अपनी पॉलिसी को समझिए, आसान और साफ़ ज़ुबान में।
Think of Raksho as a sharp friend who actually read your policy. Ask it anything, and it tells you in plain language what you're covered for, what you're not, and where you'll get stuck.
Join the waitlist. We'll never sell your data or spam-call you. That's the entire point.
"Where the Insured Person opts for a room with Room Rent exceeding the limit specified in the Schedule, the Company shall pay only the proportionate charges for all Associated Medical Expenses, in the ratio of the eligible Room Rent to the actual Room Rent incurred."
Say your cap is ₹5,000/day and you take a ₹10,000 room. They now pay only 50% of everything: surgery, ICU, doctor fees. A ₹4,00,000 bill leaves you paying ₹2,00,000. Fix: stay within the cap, or get a plan with no room-rent limit.
"Knee replacement (per joint): up to ₹1,60,000. Cataract: up to ₹40,000/eye. Any amount in excess of these sub-limits shall be borne by the Insured Person, irrespective of the Sum Insured."
You bought ₹10,00,000 cover, but a knee replacement is capped at ₹1,60,000 per knee, even when the surgery costs ₹3,00,000. The extra ₹1,40,000 is on you. These per-procedure sub-limits hide in the schedule and quietly shrink your "big" cover.
"Pre-Existing Diseases shall be covered only after a continuous waiting period of thirty-six (36) months. Any claim arising from such conditions before completion of this period stands excluded."
Diabetes, hypertension, thyroid: if you had it before buying, claims linked to it are denied for the first 36 months. Buy at 40 with high BP and you're effectively uncovered for it until 43. Worth knowing before you assume you're protected.
Not our opinion. This is what the regulator itself reported last year.
sources: IRDAI Annual Report 2024–25 & Bima Bharosa grievance data.
One room above a hidden cap, and the insurer quietly slices your entire bill proportionately. Nobody mentioned the limit.
Exclusions, sub-limits, co-pays and waiting periods scattered across 40 pages, discovered at the worst possible moment.
Cashless suddenly refused, hospital and insurer blaming each other, and you paying out of pocket when you can least afford it.
Drop your policy PDF, or type a plain question like "will this cover my mom's knee surgery?"
Every exclusion, sub-limit, waiting period and room cap, read in seconds and weighed against the insurer's claim-settlement record.
A straight answer in English or Hindi, always citing the exact clause, so you can verify it yourself.
Most "free" insurance help is a funnel that sells your number to an agent. Raksho is built the opposite way, on purpose.
We can't earn a commission off you, so there's zero reason to push a policy, hide a flaw, or sugarcoat the fine print. When we charge for premium features, you'll pay us directly, and know exactly what for.
We never sell your data and never hand your number to a call center. Stored in India, used to help you, not to turn you into a lead someone else buys.
Every answer cites the exact clause it came from. No black box. If Raksho says you're not covered, it shows you the line that says so. You never have to take our word for it.
My family once paid out of pocket on a claim we were sure was covered. The denial was one line on page 23, a clause nobody explained when we signed up. You shouldn't have to learn how your insurance really works in a hospital corridor. Raksho is the honest reader I wish we'd had.
We're building now and onboarding our first users soon. Join the waitlist and you'll be among the first to try it.