Spot hidden costs in your health insurance policy
A developer built Insurance Samjho, where a Gemma model reads health insurance policies and flags risks in English or Hindi; he reports 13 findings, four high-risk, on one sample.
Done with Custom agentGemma (gemma-2-9b-it); IndicTrans2 for translation
What they did
A developer built Insurance Samjho after his father's health policy paid nothing for a knee-related hospital stay. Users upload their policy file. A Gemma model pulls out waiting periods, exclusions, room-rent caps, payout limits and shared costs. It double-checks each finding and shows the policy quote behind it. Another tool translates results into Hindi, and a coding agent set up the model.
How it went
He reports a sample policy produced 13 findings, 4 of them high risk. He says his father now understands his policy far better, sent screenshots to the agent who sold it, and shared the link with relatives.
Worth knowing
The model sometimes repeats a finding or calls a benefit a risk. Treat results as questions for your insurer, not legal advice. The online version sometimes took close to 30 minutes to start.
Try it yourself
Read my health insurance policy PDF [file]. Find every clause that could leave me paying out of pocket, including waiting periods for pre-existing conditions, room rent caps, deductibles, sub-limits, co-pays and exclusions. For each one, give a risk level (high, medium or note), a plain-language explanation, and the exact quote and page from the policy. Flag anything you are unsure about. Then turn the findings into a list of questions I should ask my insurer before [buying / renewing / claiming].
Swap the highlighted [parts] for your own details.
Source: DEV Community · Jayant Jeet Tomar · Oct 14, 2026
Written with AI assistance from the original post and checked against our editorial guidelines. Results are as reported by the source, not independently verified.
