01 / 06
Room rent limit
The most your policy pays per day for a hospital room. Pick a pricier room and other charges can be cut too.
How a policy might word it“Room rent: up to 1% of sum insured per day.”
Explore Knowvia
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Know your cover. Before you need it.
One email the day Knowvia opens. Nothing before.
Join the early listOpening soon · early list is open
Ask your health policy. Get a straight answer.
Plain words. The exact page. And when the policy is unclear, we say so instead of guessing.
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Family floater · Maa and you
Policy started March 2024
Is Maa’s cataract surgery covered?
Covered
Yes. Cataract has a 2-year wait. Your policy began March 2024, so Maa is clear from March 2026.
Page 11 · clause 4.2“Cataract: 24 months of continuous coverage.”
Tap a question, or ask your own
Watch it work · 16 seconds
See three answers for every person.
Add the health policies you already have. It reads them person by person, and shows its working.
1Add your policyA PDF of your schedule. Employer cover, floater, top-up.
2It reads every pageEvery clause, person by person.
3Gaps get flaggedUnclear stays unclear. Never guessed.
4You get answersCovered, not confirmed, next step.
The fine print
Six words decide your bill.
Each one, in plain words, with how a policy might word it. Keep scrolling.
02 / 06
Co-pay
A fixed share of every claim that you pay yourself, such as 10% or 20%.
How a policy might word it“A co-payment of 20% applies to each admissible claim.”
03 / 06
Waiting period
How long you must hold the policy before some illnesses or treatments are covered.
How a policy might word it“Listed conditions are covered after 24 months.”
04 / 06
Sub-limit
A cap on what the policy pays for one treatment, such as cataract, even when your cover is higher.
How a policy might word it“Cataract: up to ₹40,000 per eye.”
05 / 06
Deductible
The amount you pay first, before the policy starts paying.
How a policy might word it“Aggregate deductible: ₹3,00,000 per policy year.”
06 / 06
Pre-existing disease
A condition you had before buying the policy. Usually covered only after a waiting period.
How a policy might word it“Pre-existing diseases are covered after 36 months.”
Built only for health cover
Every clause that decides your bill.
Twelve terms decide most claims. Tap one for plain words, the way Knowvia will explain it.
In plain words
Room rent limit
The most your policy pays per day for a hospital room. Pick a pricier room and other charges can be cut too.
How a policy might word it
“Room rent: up to 1% of sum insured per day.”
01 of 12
Stop finding out at the hospital desk.
The same five moments, two ways. One of them happens at 2 a.m.
2 a.m.
At the hospital desk
The better way
Any calm dayWith Knowvia
Room rent
At the desk: You learn the room limit when the bill arrives.
With Knowvia: You see the room limit, and its page, before you choose a room.
Who is covered
At the desk: You are not sure who is still on the family policy.
With Knowvia: Every person has a row: known, not confirmed, or missing.
Cash
At the desk: You look for an ATM while the admission waits.
With Knowvia: You know how much cash to keep ready, and why.
Leaving a job
At the desk: You get an end date. Nobody tells you how to keep your cover.
With Knowvia: The deadline to keep your cover is already on your page.
Buying more
At the desk: A relative says the top-up is cheap.
With Knowvia: You see what the top-up adds, and what it does not.
Walk in already knowing your limits, your gaps and your next step.
Join the early listTry it · the room test
One room choice can cut your whole claim.
Pay ₹3,000 a day more for a room and you could pay ₹72,000 yourself. Find out what your room would cost you.
₹5,00,000 cover, room limit 1% a day, 4 nights. Rules differ by policy.
In their words
Why every answer comes with a page.
M. checked a top-up quote against her base policy before paying for it. Her point: at the hospital desk, only the document counts.
I can't say ‘an app told me.’ I can say ‘it says here, page fourteen.’
Questions
Questions families ask us
Knowvia is not open yet, and pricing is not set. Join the early list and you will hear about both first.
Why it matters · 4 numbers
This keeps happening to families.
Knowvia cannot overrule an insurer. It changes the part you control: knowing your cover, and its rules, before the desk does.
Sources
0144%
18,989 responses, claims made 2023 to 2025: 15% rejected, 29% partly paid. 7 March 2026.
of people who claimed say it was rejected or only partly paid, for reasons they found invalid.
18,989 responses, claims made 2023 to 2025: 15% rejected, 29% partly paid. 7 March 2026.02₹26,037 cr
Reply by the Minister of State for Finance, using IRDAI data. 7 February 2025.
of health insurance claims were rejected or disallowed by insurers in a single year, 2023-24.
Reply by the Minister of State for Finance, using IRDAI data. 7 February 2025.0348 hours18,119 responses: 5 in 10 claimants waited 6 to 48 hours. 7 March 2026.
is the longest wait families reported for approval and discharge. The rule for discharge is 3 hours.
18,119 responses: 5 in 10 claimants waited 6 to 48 hours. 7 March 2026.0443%
National Health Accounts 2022-23: 43.4% of total health expenditure.
of what India spends on health comes straight out of people's own pockets.
National Health Accounts 2022-23: 43.4% of total health expenditure.Real stories · recorded September 2026
Four details hid in plain sight.
We spoke with more than 50 people across Tier 1, 2 and 3 cities. Each detail was in a health policy the family already had.
The room choiceA., 26, Gurugram
Room choice₹1,200
What it cost₹80,000
₹80,000
A ₹1,200 room choice, made with no information, cost one family this much.
A., 26, Gurugram. Recorded conversation, September 2026.
The cover gapM., 29, Bengaluru
₹0₹8L₹10L
₹2,00,000
A gap neither policy would pay. She found it before paying ₹9,400 for the top-up.
M., 29, Bengaluru. Recorded conversation, September 2026.
The 2 a.m. searchS., 31, Kolkata
2 a.m.9 a.m.
7 hours
Spent at the hospital finding a brother's employer cover.
S., 31, Kolkata. Recorded conversation, September 2026.
The closed windowN., 33, Pune
✕
17 days
The window to keep cover after leaving a job. No reminder came. It closed.
N., 33, Pune. Recorded conversation, September 2026.
The documents19 shared with us
7 of 19
documents families shared with us had a detail that did not match what the family believed.
Check yours firstFamily sharing
Each person decides what family sees.
Share the cover amount. Keep medical details to yourself. Flip a switch and watch what your brother sees change.
What you share
Change it whenever you like.
Every adult controls their own record. Medical details are never shared by default.
What your brother sees
Only what you chose to share.
Cover amount₹5,00,000 floater
Policy detailsPolicy no. and TPA contact
Medical detailsDeclared conditions
1 thing stays private. Your brother sees a blur.
Our promise
What we will not do
Five lines we will not cross. Hold us to them.
That leaves the one job that matters: reading your family's health cover with you, before you need it.
Promise a claim: we will not do this.
Only your insurer decides a claim. We show which clauses apply and what is still open.
Guess: we will not do this.
A fact we cannot find stays marked Not confirmed until someone who knows confirms it.
Push a policy: we will not do this.
Sometimes the right answer is to buy nothing yet. We will say so.
Show medical details: we will not do this.
Not to anyone, unless that person chose to share them.
Replace your insurer: we will not do this.
Your insurer, TPA and hospital desk stay your points of contact. Knowvia helps you ask them better questions.
Knowviafor Business
Fewer “what does my policy cover?” calls.
For HR platforms, insurance platforms and advisers. Your employees and customers get a clear view of every policy in their household. You keep your own support relationship.
Talk to us about a pilotYour platform
At joining or a benefits change on HR platforms. After a purchase or renewal on insurance platforms.
The person says yes
No data moves without their consent, field by field.
Knowvia reads it
Every policy in the household, person by person, linked to the issued policy.
You keep the relationship
Your team stays the support contact. Knowvia does the reading.
Know your cover. Before you need it.
Only your email is required. Tell us which policies your family has, and Knowvia reads those first for you.
- Every answer shows the page it came from.
- Your answers are never sold or shared.
- One email when we open. Nothing before.
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