ClarifiCover
Document interpretation for informational use only

Healthcare insurance sounds simple. Surprise bills don't.

We break down your policy into clear insights on coverage, limits, and potential out-of-pocket exposure — before you file a claim.

See how it works
Documents deleted after processingNo data stored or sharedInformational use only

0%

of people don't know what their healthcare insurance actually covers.

1 in 0

can accurately estimate their out-of-pocket costs when using insurance.

How it Works

Upload. Understand. Prepare.

01

Upload

Upload your insurance policy PDF. The document is processed securely and permanently deleted after interpretation.

PDF up to 25MB. No account required.

02

Understand

Key clauses, coverage areas, exclusions, and cost structures are identified and organised into a structured report.

Clarity score, key figures, and observations.

03

Prepare

Receive a preparation checklist, commonly required documents, and questions to raise with your provider.

Export as PDF.

The literacy gap

Most people can't define the terms on their own policy.

1 in 0

Gen Z adults

can accurately define “deductible”

0%

Don't know

what “out-of-pocket” means on their insurance plan

0%

Can't define

what a “copay” is — one of the most common insurance terms

Upload your document

PDF format, up to 25MB. Your file is not stored after processing.

Drop your PDF here

or click to browse

What You Receive

A structured view of your document

Everything is based on the wording in your uploaded document. No assumptions, no advice.

Policy Snapshot

Key figures identified — deductible, copay, coinsurance, and out-of-pocket limits — presented at a glance.

Coverage Areas Identified

Services that appear covered and excluded, categorised based on the document wording.

Exclusions & Limitations

Specific exclusions, caps, and waiting periods highlighted with severity indicators.

Document Preparation Checklist

Commonly required documents and steps often needed when preparing a submission, based on the policy wording.

Interactive Policy Chat

Ask questions about your policy in plain language and get instant, document-based answers.

Exportable PDF Report

Download a structured interpretation report to share with your broker or keep for your records.

What this tool does — and does not do

This tool does

Interpret document wording
Identify exclusions and clauses
Highlight key coverage areas
Generate preparation checklists
Provide educational cost scenarios

This tool does not

Submit or process claims
Contact insurers on your behalf
Guarantee reimbursement amounts
Provide financial or insurance advice
Recommend or compare policies

Simple Pricing

One document, one clear price

Full access to every feature. No subscription, no account required.

Full Report
$1.99per document

Complete policy interpretation — every feature included

  • Document snapshot with key figures
  • Key clauses & priority observations
  • Exclusions & limitations breakdown
  • Financial exposure mapping
  • What-if cost calculator
  • Preparation & document checklists
  • Questions to raise with your provider
  • PDF export

No account required · Secure payment via Stripe