What it does
Insurance wording is long, and the costly surprises sit in a few phrases: waiting periods, caps, co-payments, exclusions. This tool scans text you paste (or a .txt or text PDF you open), highlights those clauses in colour, and lists the numbers inside them, such as 36 months or 1%.
Your text stays on this page: it is never uploaded or stored. The tool finds words only and cannot tell you what a clause means for you. Look up unfamiliar words in insurance terms explained, test whether a price is fair with should I insure this?, and work out an Indian room-rent limit with room rent limit and proportionate deduction (India).
How to use it
- Paste the wording into the box, or choose a file.
- Read the highlighted text. The colour key shows each group.
- Open the list of clauses found: each has why it matters and a question to ask the insurer.
- Use Copy summary to take the checklist to a call or email.
What it looks for
Waiting period, pre-existing conditions, moratorium, sub-limits, room rent, co-payment, deductible or excess, exclusions, proportionate deduction, average or underinsurance, depreciation, free look, grace period, cancellation and refund, claim notice deadlines, network or cashless rules, and renewal or age limits.
Worked example
“Pre-existing diseases are covered after a waiting period of 36 months. Room rent is limited to 1% of the sum insured per day.” The tool finds three groups (waiting period, pre-existing, room rent) and lists 36 months and 1%. On a sum insured of 500,000, 1% is 5,000 a day.
FAQs
Does it read PDFs that are scans? No, only PDFs that contain real text.
Does it find everything? No. A clause may use different words. Read the whole policy.
Is it advice? No. Ask your insurer or an adviser if a clause is unclear.
Where the numbers come from
- Keyword lists are fibub's own, built from common insurance terms. They find wording; they do not read or judge it. Checked 2026-11-10: check your policy document and the official source, such as the regulator's site, for what applies.
Standard scientific values, such as constants, atomic weights and melting points, are facts found in every textbook; we name where ours were checked. If you are an author or publisher and want a value, a credit or a table changed or removed, tell us and we will act quickly.
Last updated 2026-11-10.