Decoding the fine print, without the sales pitch.
Decoding the fine print, without the sales pitch. We bridge the gap between complex contracts and your actual claim payouts.
The average life and health policy runs to over 60 pages. It is written in dense legal, medical and actuarial language that even financially literate people struggle to parse. Staging thresholds, survival periods, incontestability clauses, exclusions, — these terms determine whether a claim is paid, yet most policyholders have never read them.
Furthermore, medical treatments advance rapidly, but policies bought years ago rely on outdated medical definitions, creating a dangerous gap between modern medicine and legacy contracts.
As the founders of InsureIQ, we have been approached countless times by family members and friends desperately seeking help to interpret complicated terms, payout requirements, and hidden exclusions.
The result of this complexity is a systemic flaw: people only discover the gaps in their coverage at the worst possible moment — when they are in the hospital and need to make a claim.
InsureIQ was built on a foundation of actuarial understanding. Actuaries are the professionals who design insurance products — meaning we understand precisely how policy definitions, staging criteria, and benefit structures interact to determine claim outcomes.
Both founders of InsureIQ are fully qualified actuaries, possessing over 35 years combined experience in insurance and reinsurance, product development and commercial negotiations on the policy terms across Asia and Europe.
We combine this authoritative domain knowledge with advanced AI to translate your exact policy document into plain English. We do not provide generic summaries; we deliver specific, factual answers about your unique policy, citing the exact clauses that apply to your medical conditions.
We systematically check your policy against the Life Insurance Association (LIA) Critical Illness Framework - the rigorous industry standard that governs how critical illness conditions must be defined in Singapore. This means you can see at a glance where your policy meets, exceeds, or falls below the specific market and regulatory standard that was applicable at the time of your purchase.
We never recommend products
InsureIQ translates policy text factually. We do not tell you which insurer is better, compare premiums, or advise you on which policy to buy.
We never share your data
Even though your uploaded documents should only contain the policy terms, we treat them as highly private financial documents. They are stored securely with strict row-level security — ensuring only you can access them. We will never share, sell, or use your personal policy data to train external AI models.
We never pretend to be financial advice
Every response from InsureIQ ends with a clear disclaimer. We are a factual translation and compliance checking tool. For personalised financial advice or planning, you should always consult a MAS-licensed financial adviser.
InsureIQ is a dedicated translation engine built locally in Singapore, specifically for the Singaporean insurance market to facilitate policyholders in fully understanding their coverage.
Because our compliance checks are hardcoded to the LIA Critical Illness Framework, every response you receive is grounded in the exact regulatory realities and text of Singapore policies — not generic international templates.
We built InsureIQ because we firmly believe every policyholder deserves absolute clarity on what they have paid for, long before they ever need to make a claim.
Most Singapore insurance comparison sites show you premiums and benefit amounts. They do not show you the definitions that determine whether a claim is paid.
A policy with a $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.
InsureIQ reads the definitions, the staging criteria, the survival periods, and the exclusions — the parts of the policy that actually determine your claim outcome.
Upload your life and health insurance policy contracts with the respective policy terms. No sign-up required to get started.
Ask in plain English. "Is thyroid cancer covered?" "What is my waiting period?" "How do I make a claim?"
InsureIQ reads your policy and gives you a specific answer — with the exact clause, staging threshold, and any exclusions that apply.
We analyse the clauses that dictate your payout eligibility.
Many policies rely on 10-year-old surgical definitions that exclude modern, minimally invasive treatments — meaning a successful procedure may still fail the claim test.
We map out the exact number of days you must survive a critical illness event before a payout is triggered — a clause most policyholders are unaware of.
We clarify the complex waiting periods between recurrent conditions or new cancer diagnoses that govern whether a second payout can be triggered.
No. InsureIQ is a policy translation 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.
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.
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.
InsureIQ hhas the LIA Critical Illness Frameworks 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.
Upload your policy document and ask any question. No sign-up required to get started.
InsureIQ · Policy translation only · Not financial advice · Privacy Policy