Decoding the fine print, without the sales pitch.
You're Paying for Coverage You Might Never Get
Most policyholders don't know what “critical illness” actually means in their contract. InsureIQ scans your policy document, flags what's covered (and what isn't), then explains the claim requirements in plain English — not agent-speak. Benchmarked against the LIA Framework.
Built by actuaries with over 35 years combined experience in insurance and reinsurance across Asia and Europe.
How Do You Use InsureIQ to Check Your Policy?
InsureIQ reads your specific policy document — not a generic summary. Here is how it works in three steps.
Upload your policy
Upload your life, health, or critical illness insurance policy as a PDF. InsureIQ accepts the full policy contract, including riders and endorsements. No sign-up is required to get started.
Ask any question in plain English
Type your question the way you would ask a friend. "Is thyroid cancer covered under my policy?" "What is the waiting period before I can claim?" "Does my policy cover robotic surgery?" InsureIQ reads the relevant clauses and returns a specific answer.
Get a clear, clause-level answer
InsureIQ identifies the exact clause in your policy that applies, explains what it means, and flags whether it meets current LIA standards. Every answer cites the specific section of your document — not generic insurance information.
Why Do Most Policyholders Not Understand Their Coverage?
The average life and health insurance policy runs to over 60 pages of legal, medical, and actuarial language. Even financially literate people struggle to parse staging thresholds (the medical criteria that determine whether a condition qualifies for payout), survival periods (the number of days you must survive after diagnosis before a claim is triggered), and exclusions (the conditions or circumstances your policy does not cover).
Medical treatments also advance faster than policy definitions are updated. A policy purchased in 2016 may define brain surgery as “surgical craniotomy.” The current standard of care for brain aneurysms is endovascular repair — a minimally invasive procedure that does not involve opening the skull. If the policy definition has not been updated, the procedure may not meet the claim criteria.
The result: most people only discover what their policy actually says at the moment they need to make a claim.
What Does InsureIQ Check in Your Policy?
InsureIQ analyses the clauses that determine whether a claim is paid — not the headline benefit amount.
Critical illness definitions
InsureIQ compares your policy's critical illness definitions against the LIA Critical Illness Framework — the industry standard that governs how conditions like cancer, heart attack, and stroke must be defined in Singapore policies. The LIA framework has been updated in 2003, 2014, and 2019. InsureIQ checks which version your policy follows.
Staging criteria and survival periods
Many critical illness payouts depend on how a condition is staged. For example, a cancer must meet specific TNM staging thresholds to qualify as a "Major Cancer" under most policies. InsureIQ identifies these thresholds in your document and explains them in plain English.
Exclusions and waiting periods
Every policy contains exclusions — conditions, treatments, or timeframes that are not covered. InsureIQ surfaces these clauses so you can see them before you need to claim. It also identifies waiting periods (the period after policy inception during which certain conditions are not claimable).
Outdated medical definitions
Some policies rely on surgical or treatment definitions that are 10 or more years old. InsureIQ flags definitions where the procedure described in the policy differs from current medical practice — factually, without judgment.
What Do Insurance Comparison Sites Not Show You?
Most Singapore insurance comparison sites show premiums and benefit amounts. They do not show the definitions that determine whether a claim is paid.
A policy with a S$500,000 sum assured means nothing if papillary thyroid carcinoma at T1N0M0 is excluded from the Major Cancer benefit and you did not know to check the Early Cancer tier. CompareFIRST (the MAS product comparison portal) shows product features side by side. It does not read the definitions, staging criteria, survival periods, or exclusions in your specific policy document.
InsureIQ reads these clauses. It tells you what your policy says, cites the exact section, and checks it against the applicable LIA standard.
What InsureIQ Does Not Do
InsureIQ is a factual policy analysis tool. Here is what it will never do.
It does not recommend products.
InsureIQ does not tell you which insurer is better, compare premiums, or advise you on which policy to buy. It explains what your existing policy says.
It does not share your data.
Your uploaded documents are stored with row-level security — only you can access them. InsureIQ does not share, sell, or use your policy data to train external AI models.
It does not provide financial advice.
Every response includes a disclaimer. InsureIQ is a factual analysis and compliance-checking tool. For personalised financial advice or planning, consult a MAS-licensed financial adviser.
Why Is InsureIQ Built Specifically for Singapore?
InsureIQ's compliance checks are built around the LIA Critical Illness Framework — the regulatory standard that governs critical illness definitions in Singapore.
Every answer InsureIQ returns is grounded in the specific regulatory and contractual realities of Singapore policies, not generic international templates. The tool references Singapore-specific structures: MediShield Life, Integrated Shield Plans, MediSave withdrawal limits, and the LIA's 37 standard critical illness conditions.
Both founders of InsureIQ are fully qualified actuaries with over 35 years combined experience in insurance and reinsurance, product development, and commercial negotiations on policy terms across Asia and Europe. We believe every policyholder deserves clarity on what they have paid for — before they need to make a claim.
Why Are Insurance Claims Denied in Singapore?
InsureIQ analyses the specific clauses that determine payout eligibility. Here are three categories of clause that frequently affect claim outcomes.
Outdated medical definitions
Some policies define surgical procedures using terminology from 10 or more years ago. A procedure that meets the current standard of care may not meet the definition in the policy document. InsureIQ identifies these definitions and explains what they require.
Survival periods
Most critical illness policies require the policyholder to survive a specified number of days after diagnosis or surgery before a payout is triggered. This clause exists in nearly every CI policy but is rarely discussed at the point of sale. InsureIQ maps these periods for each condition in your policy.
Multi-pay waiting periods
Policies that allow multiple critical illness payouts typically impose waiting periods between claims — for example, 12 months between a cancer diagnosis and a subsequent heart attack claim. InsureIQ identifies these intervals and explains how they apply.
Frequently Asked Questions
What is InsureIQ?
InsureIQ is a Singapore-built policy analysis tool that reads your life, health, and critical illness insurance documents and explains the definitions, exclusions, staging criteria, and claim requirements in plain English. It checks every policy against the Life Insurance Association (LIA) Critical Illness Framework. Upload your policy and ask your first question free — no sign-up required.
Is InsureIQ considered financial advice?
No. InsureIQ is a policy analysis tool. It explains what your policy document says in plain English. It does not recommend products, compare insurers, or advise on suitability. For personalised recommendations, consult a MAS-licensed financial adviser.
What types of insurance policies can InsureIQ analyse?
InsureIQ is optimised for Singapore critical illness (CI) insurance policies. Upload any CI policy PDF and ask questions about coverage, exclusions, staging thresholds, waiting periods, and claim procedures.
Is my policy document kept private?
Yes. Your documents are stored with row-level security — only you can access them. InsureIQ does not share, sell, or use your policy data for any purpose other than answering your questions.
How does InsureIQ check against LIA standards?
InsureIQ has the LIA Critical Illness Framework in different vintages built into its compliance checker. It compares your policy definitions against each LIA standard and shows you whether your policy meets, exceeds, or falls below the standard — factually, without judgment.
Check what your policy actually says
Upload your policy document and ask any question. No sign-up required to get started.
InsureIQ · Policy analysis only · Not financial advice · Privacy Policy
Last updated: June 2026