Read your insurance policy with AI and see the wording behind every answer
An insurance policy is a contract written in layers: a declarations page with your details, an insuring agreement that grants the coverage, definitions that narrow it, exclusions and conditions that limit it, and endorsements or riders that change it. The answer to a simple question can depend on all five. Upload the policy to Search+, ask in plain language, and open the cited excerpt so you read the insurer's actual words before you rely on them.
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Last updated October 2026
How to read a policy with Search+
- Upload the full policy, not only the summary
Add the complete policy wording, the declarations page and every endorsement or rider, plus any renewal notice that lists changes. Most come as PDFs, and a policy you only kept on paper can be scanned in. Keeping them together means an answer can see the endorsement that amends a clause.
- Write down what you need to know
Use Workspace Context for standing instructions, such as "I am checking what this policy covers for outpatient care; quote the defined term and name any endorsement that changes it." Search+ applies that to every question in the workspace.
- Ask one topic at a time, then read the source
Ask about a single topic, like the waiting period or the claims notice requirement. Each answer has inline citations; open one to read the excerpt, with the page or section reference when the policy provides it.
Questions people ask about an insurance policy
What does the insuring agreement say this policy covers, and which defined terms does that wording rely on?
Which exclusions could apply to treatment received outside my home country?
What deductible and coverage limits does the declarations page or schedule list for this policy?
Which endorsements or riders are attached, and what does each one add, remove or change?
What does the policy require me to do after a loss or treatment, and is a time limit for notice stated?
Under what conditions can I or the insurer cancel this policy, and what does it say about refunds of premium?
What reading an insurance policy well takes
Words such as illness, accident, pre-existing condition or medically necessary usually carry a defined meaning in a definitions section. Ask for the definition each time a key term appears in an answer, because the everyday meaning may not be the one the policy uses.
The grant of coverage is often short, while the exclusions, limitations and conditions that shape it run for pages. A good question asks for both: what the policy covers and what in it narrows that coverage.
Many policies start from a standard form and are then amended by endorsements or riders. Reading the base form alone can give the wrong answer, so upload the endorsements and ask whether any of them change the clause in question.
Deductibles, limits, named insureds and the policy period usually sit on the declarations page or a schedule of benefits, not in the wording itself. Policies vary by insurer, product and place, so read the figures from your own document.
A policy bought years ago may exist only as a printed booklet. Its scanned pages are read with OCR, though fine print in an endorsement or a page copied at an angle can come through imperfectly, so compare the cited wording with the booklet when a clause matters.
Answers cite the excerpt they used, with a page or section reference when the policy has one. Search+ does not invent locations, and AI answers can be incomplete, so read the cited clause before acting.
The parts of an insurance policy and a question for each
| Part of the policy | What it usually covers | A question to ask Search+ |
|---|---|---|
| Declarations page or schedule | Named insured, policy period, limits, deductibles, premium | What policy period, limits and deductibles are listed for me? |
| Insuring agreement | The insurer's promise of what it will pay for | What does the insurer agree to pay for under this policy? |
| Definitions | The meaning of key terms used throughout | How does the policy define a pre-existing condition? |
| Exclusions and limitations | What is not covered or covered only in part | Which exclusions mention sports or high-risk activities? |
| Conditions | Duties of the insured and insurer, claims, cancellation | What must I do to keep coverage in force after a claim? |
| Endorsements or riders | Additions, removals or changes to the base form | Which rider changes the coverage for prescription drugs? |
| Claims procedure | How to give notice, documents to send, how disputes are handled | What documents does the policy say a claim must include? |
What is an insurance policy?
An insurance policy is the written contract between an insurer and a policyholder. It states what risks are covered, for whom and for how long, the limits and cost-share terms that apply, what is excluded, and the conditions both sides must meet.
Insurance policy questions
Can Search+ tell me what my insurance policy covers?
Does it read the endorsements as well as the main policy?
Will it explain what a defined term means in my policy?
Can I use it to choose between two policies?
My policy is a stack of scanned paper. Can Search+ handle it?
Is an answer about coverage final?
Read the policy before you need it
Start a workspace, upload your policy and its endorsements, and ask about the coverage that matters to you.
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