Free tools
Work out your dates,
in a minute.
Small calculators built on IRDAI’s rules and the Insurance Ombudsman Rules. They run in your browser, need no login, and explain each result.
60-month moratorium calculator
Has your cover run long enough that the insurer can’t reject a claim for non-disclosure?
Open the tool →Waiting period calculator
Has your pre-existing disease or specific-disease waiting period ended, counting ported years?
Open the tool →Ombudsman deadline checker
Can you go to the Insurance Ombudsman yet, and what is the last date to file?
Open the tool →Room-rent deduction estimator
See how a proportionate deduction cuts a bill when the room costs more than your limit.
Open the tool →Insurance Ombudsman offices
Which of the 18 offices covers your state or district, with the address and email.
Find your office →We’re on your side
of the claim.
Insurers have claim teams. Now you have the rules, the facts and the next step, in about a minute.