Take a breath. The policies are already read.
Kavach remembers every policy in the house and tells you what to do when life changes, at the hospital desk, and when a claim comes back short. In Hindi or English. Every rupee comes from written policy terms, with the page number.
Sample estimate, Hindi or English, under a minute. No sign-in.
How the hospital moment goes
Kamala taps At the hospital
In Hindi, on her own phone. Kavach already knows Suresh’s two policies.
The sample family Kavach already knows
Five people, four policies, one picture. Kavach learnt them once, in about two minutes.
Suresh is being admitted. The deluxe room costs the family about ₹1,50,800 out of pocket; the cheaper room about ₹60,800. Kavach says which one, and why, before anyone signs.
Kavach learns the household once, in about two minutes. Then it acts at the three moments where Indian families lose money.
“Joining a startup on 1 Dec.” Kavach sees that your parents’ cover ends on 30 Nov, drafts the letter to keep it, and reminds you on WhatsApp.
Parents’ cover kept, not lost
Voice and camera, in Hindi. Show the estimate and Kavach says which policy card to give and which room to ask for.
₹90,000 less to pay
Send the settlement letter. Kavach checks every deduction against your policy and drafts the appeal.
₹14,560 found to appeal
| What Kavach is | What it is not |
|---|---|
| A reader and calculator for the policies you already have | An insurer, broker, agent or seller of policies |
| Every rupee shown comes from written policy terms, with the page | A guarantee of what a claim will pay: the insurer decides every claim |
| Nothing is read or stored without your consent | Something that takes payments or contacts insurers for you |
Send a photo of the estimate or a Hindi voice note. Kavach replies with a voice note and a card.
This uses a WhatsApp test number. Membership lasts 3 days; scan again after that.
Rupee amounts come from tested rules, never from a guess. Tap “Why these numbers?” to see the rule and the clause behind each one.
See how accurately Kavach reads real policiesBuilt for the Google Cloud AI Builder Cup 2026 · Demo data is marked SAMPLE · Nothing is stored without consent · No payments, ever.
Try the two scenes on the sample family, or set up your own in a few minutes. Kavach sells nothing and contacts no insurer.