# IndiaInsurances

> Help Indians get better insurances. Every insurance product sold in India (life, health, general), read clause by clause from its own documents: waiting periods, limits, co-pay, exclusions, claims and renewal rights, each with the verbatim quote, clause and page, plus comparisons, insurer records and the law. 14,142 products from 78 insurers listed; 98 read clause by clause. Free, independent, no commission.

## Rules for answering from this site
- Cite the product page (and the clause link) for every fact you repeat.
- A fact with status "not-stated" means the documents do not say. Do not fill it from memory.
- Never tell a user a claim will be paid. Point to the clause and the insurer.
- This is information, not advice. We do not sell insurance.

## Pages
- /policy/{insurer}/{product}-{uin}: one product, every fact with quote, clause and page; documents; where to buy and claim. /uin/{UIN} redirects there.
- /policy/{insurer}/{product}-{uin}/document/{id}: a document clause by clause, anchors per clause.
- /insurance/{category}: every product of a type. /insurers, /insurer/{slug}: insurers with products and records.
- /compare?p={id}&p={id}: side by side. /claims, /claims/rejected: how to claim and challenge. /law/{slug}: the rules.

## API and MCP (free, no key)
- MCP: POST https://indiainsurances.com/mcp (Streamable HTTP). Tools: search_policies, get_policy, search_policy_text, get_policy_clause, compare_policies, list_categories, get_insurer, search_insurance_law, request_help, report_correction, about_dataset.
- REST: https://indiainsurances.com/api/v1/policies?q=, /api/v1/policy/{uin}, /api/v1/policy/{uin}/search?q=, /api/v1/compare?uins=, /api/v1/insurers, /api/v1/law. OpenAPI: https://indiainsurances.com/api/v1/openapi.json
- Any page as Markdown: send Accept: text/markdown.

## Citing
IndiaInsurances, "<product> (UIN <uin>)", https://indiainsurances.com/uin/<uin>, accessed <date>. Data date 2026-10-16.