Insurance Policy Analyzer
LiveUpload a policy and see what isn't covered — exclusions, sub-limits, deductibles, and the claims-notice window that voids the claim if you miss it.
- ✓Metadata extraction: insurer, policy number, sum insured, premium, and type (property, liability, marine, health, motor, fire, engineering, cyber, D&O, PI, GPA, credit)
- ✓Coverage heads versus exclusions, side by side
- ✓Per-peril sub-limits and deductibles / excess
- ✓Conditions precedent and warranties whose breach suspends cover
What it is.
Insurance wordings hide the things that matter in the exclusions and conditions. Upload a policy and LexVio extracts the metadata (insurer, policy number, sum insured, premium, type), then lays out the coverage heads against the exclusions, the per-peril sub-limits, and the deductibles — so the gaps are visible at a glance.
Critically, it surfaces the claims-notification window — miss it and the claim can be void — alongside conditions precedent, warranties whose breach suspends cover, coverage-gap flags, and the renewal date, which syncs into the Compliance Calendar so a lapse never sneaks up on you.
Three steps.
End to end.
PDF, DOCX, or text. LexVio parses the wording and extracts the structured terms.
Exclusions, sub-limits, deductibles, conditions, and the claims-notice window, all pulled out and ranked by severity.
Renewal and premium dates sync into your calendar as obligations with reminders.
What you get.
- ✓Metadata extraction: insurer, policy number, sum insured, premium, and type (property, liability, marine, health, motor, fire, engineering, cyber, D&O, PI, GPA, credit)
- ✓Coverage heads versus exclusions, side by side
- ✓Per-peril sub-limits and deductibles / excess
- ✓Conditions precedent and warranties whose breach suspends cover
- ✓Claims-notification window highlighted — the deadline that voids a claim if missed
- ✓Coverage-gap flags and risk flags (e.g. average clause) with severity
- ✓Renewal date and key policy dates syncable to Obligations
- ✓Re-analyse when the wording changes; export to PDF, DOCX, or text
Quick answers.
No — it analyses the policy you upload. IRDAI circular ingestion, live rate data, and claims-history scoring are out of scope for now.
It flags coverage gaps it can see in the wording (for example, a missing business-interruption head). It does not recommend products or benchmark cover against the market.
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