India's Insurance Truth AI

Your policy has secrets.
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Tell Tara about your insurance. Get the honest truth — what's covered, what's not, and exactly what happens when you claim.

₹26,000 Cr rejected claims FY24
11% of claims denied
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नमस्ते 🙏 I'm Tara — your insurance truth AI.

Tell me about your policy. Which insurer, what cover, when you bought it — and I'll tell you exactly what you need to know.
Sample Truth Report
HDFC Ergo Optima Secure — ₹10 Lakh Cover
Analysed by Tara · Bought Jan 2022 · Individual Plan · Gurgaon
⚠️
Your policy is adequate but has 2 serious gaps that will hurt you at claim time.
Room Rent Limit
₹5,000/day
⚠ Most Gurgaon private hospitals charge ₹8,000+. Proportionate deduction will apply to your doctor fees and surgery charges.
Waiting Period
Served ✓
✓ 2 years served. Pre-existing conditions now covered.
Claim Settlement
94.3%
✓ HDFC Ergo settles 94 of every 100 claims. Strong track record.
Newborn Cover
After 90 days
✗ Baby not covered for first 90 days of life. NICU bills will be out of pocket.
Premium vs Market
Fair ✓
✓ Within 8% of market rate for your age and city.
Nominee Status
⚠ Verify
⚠ Confirm nominee details are current. Outdated nominees cause major delays at claim time.

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