Decoding insurance policies in plain English

Insurance policies are the canonical example of a document people sign without reading. The fine print decides whether you get a payout — and the fine print is usually written to be hard to follow.

The problem

The summary your agent showed you lives in a brochure. The actual contract is the policy schedule plus the master agreement plus the riders. The "yes you're covered" is in one section; the "but only if" is six pages later. When you have a claim and need to know fast, that's a bad time to be flipping pages.

How SeekFiles AI helps

• Citation-grounded answers to specific scenarios: "is dengue hospitalization covered?" with the exact policy paragraph.
• Handles scanned policies — many older HMO docs are still scanned PDFs.
• Cross-document Q&A — combines the policy schedule, master agreement, and riders so coverage actually makes sense.
• Refuses to guess when the policy is silent. Flags it, doesn't invent.

Questions worth asking your policy

• What's covered, and what's specifically excluded?
• What are the deductibles, co-pays, and lifetime caps?
• What's the claims process and the time limit to file?
• Does the policy have a waiting period for pre-existing conditions?
• Are dependents and out-of-network providers covered?

What to upload

• The signed policy schedule
• The master agreement (the long one)
• Any riders / add-ons / endorsements
• The latest renewal notice if your terms changed

Insurance is one of those products where reading the doc once, properly, is worth more than years of premium discounts. SeekFiles AI makes "reading it properly" something you can actually do in twenty minutes.