🛡️ Insurance Policy Decoder — free & instant
You pay every month — but do you know what your insurance actually covers? Our free decoder reads your policy and lists the exclusions, waiting periods, co-pays and the exact conditions under which a claim can be rejected, in plain words.
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How it works
- 1. Paste or upload — text, PDF, or even a photo taken with your phone.
- 2. Get the analysis — risk score, A–F grade, red flags with severity, and a plain-words summary in your language.
- 3. Act on it — one-click push-back messages, an action plan, and a follow-up chat about your document.
Why people use it
- Free every day — no account required to start
- Reads documents in almost any language, explains in 18+ languages
- Nothing is stored — your document is analyzed and forgotten
- Clause-by-clause X-Ray and market comparison on every red flag
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Health, car, travel or home — know what's covered before you claim
Insurance policies everywhere are built around the same fine print: long exclusion lists, waiting periods before coverage starts, claim conditions that must be followed exactly, co-pays and deductibles that change the real payout, and clauses that let the insurer refuse to pay. The AI reads your policy — health, motor, travel, home or life, from any insurer in any country — and tells you plainly what is covered, what is not, and which questions to ask your agent before you rely on it.
Why claims get denied — the exclusions to watch
Most claim denials trace back to a clause in the policy you were never really shown. Read for these before you rely on any cover:
- Exclusions. The specific situations the policy simply won't cover. This is the single most important section — read it first.
- Waiting periods. Cover that doesn't start until months (sometimes years) after you sign, common for pre-existing conditions and maternity.
- Sub-limits. Caps on specific items (e.g. room rent, a particular treatment) even when your overall cover is larger.
- Non-disclosure clauses. A missed detail on your application can void a claim entirely. Know what you were required to declare.
- Network and pre-authorisation rules. Using an out-of-network provider, or skipping pre-approval, can shift the whole bill to you.
How to read an insurance policy
- Read the exclusions section first — it defines what you're actually buying.
- Check waiting periods and sub-limits against why you're buying the cover.
- Confirm the claim process — pre-authorisation, network, and deadlines.
- Run it through FinePrint for a plain-English breakdown of exclusions and the reasons a claim like yours could be denied.
Frequently asked questions
Why was my insurance claim rejected?
The most common reasons are an exclusion in the policy, an unmet waiting period, a sub-limit, non-disclosure on your application, or an out-of-network or unauthorised provider. FinePrint reads the policy and flags which of these apply to your situation.
Can FinePrint tell me what my policy doesn't cover?
Yes. Upload the policy and FinePrint surfaces the exclusions, waiting periods and sub-limits in plain language, so you know the gaps before you need to claim.
Which types of insurance can it decode?
Health and medical insurance, car insurance, travel insurance, home and contents, life insurance and warranties — from any insurer, in almost any language.
Can it tell me when the insurer could refuse a claim?
Yes — it specifically highlights exclusions, waiting periods and claim conditions: the three most common reasons insurance claims get rejected worldwide.
Why do insurance claims get rejected?
Usually exclusions, waiting periods, or missed claim conditions buried in the policy — the decoder surfaces them all.
Which policies does it read?
Health, car, travel, home and life policies — any wording you can paste or upload.
Is this insurance advice?
No — it is a plain-language explanation of your document.
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