What InsureGenie does
InsureGenie provides educational information about insurance concepts, products, exclusions, waiting periods, sub-limits, claim processes, and tax benefits. Information is drawn from publicly available policy brochures, IRDAI guidelines, and other open sources, and is interpreted by an AI model (Claude Sonnet 4.5).
What InsureGenie does NOT do
- It does not sell, broker, or recommend the purchase of any specific insurance product.
- It does not provide regulated insurance advice as defined by the Insurance Regulatory and Development Authority of India (IRDAI).
- It does not provide tax advice as defined by the Income Tax Act of India.
- It does not provide investment or financial planning advice as defined by SEBI.
- It does not provide legal advice.
Accuracy disclaimer
AI-generated content can be inaccurate or out of date. Insurance policy terms, premiums, network hospitals, exclusions, and tax rules change frequently. Always verify material facts with:
- The official insurer (policy brochure, customer service).
- IRDAI's official portal: www.irdai.gov.in.
- A licensed insurance broker, IRDAI-registered agent, or financial advisor.
- A qualified Chartered Accountant or tax professional for tax matters.
No fiduciary relationship
Using InsureGenie does not create any fiduciary, advisory, broker-client, or attorney-client relationship between you and InsureGenie or its operators.
External links
InsureGenie may reference third-party websites and resources for context. We are not responsible for the accuracy, availability, or content of any external resource.
Your responsibility
You are solely responsible for the financial decisions you make. By using InsureGenie, you acknowledge that you understand the educational nature of the Service and agree not to treat its output as professional advice.