Compare two insurance policies point by point, with the wording cited
Two insurance policies can look alike on a quote and still differ where it counts: one defines a term more narrowly, another adds an exclusion, a third sets a lower sub-limit or a longer waiting period. The same is true of this year's renewal against last year's policy. Put both policies in one Search+ workspace, as PDFs or scans of the paper copies, ask about one criterion at a time, and the answer in chat cites each policy so you can read the two clauses yourself.
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Last updated October 2026
How to compare policies with Search+
- Upload every version you want to weigh
Add each policy's full wording, its declarations page or schedule and any endorsements, or last year's policy next to the renewal. Name the files clearly, such as by insurer and year, so the citations make it obvious which document each passage comes from.
- Name your comparison criteria in Workspace Context
List the points you care about, for example "Compare on exclusions, limits, deductible, waiting periods and cancellation; quote both policies and say when one is silent." Search+ applies those instructions to every question you ask in that workspace.
- Ask about one criterion per question
Ask about the deductible, then the exclusions, then the claims conditions, rather than asking which policy is better overall. Each answer cites both policies, and opening the citations lets you check that the two passages really address the same thing. When you are weighing three or more policies at once, Deep Analysis (beta) is another way to ask Search+ to compare them all, with every passage cited.
Comparison questions people ask
Which exclusions appear in one policy but not the other?
How does each policy define a pre-existing condition, and where do the two definitions differ?
What overall limits and sub-limits does each policy's schedule list for hospital stays?
What changed between last year's policy and this year's renewal, including any new endorsement?
Which waiting periods does each policy set, and for which kinds of cover?
How do the two policies differ on what I must do and send when I make a claim?
Comparison points that matter for insurance policies
Terms like accident, illness, home or dependent can be defined differently in each policy. Compare the definitions first, because every other difference is read through them.
One policy may exclude an activity outright while another excludes it unless a rider is bought. Ask for each exclusion together with any exception written into it.
Headline limits can hide smaller caps for particular services or items, and the deductible and coinsurance terms change what you pay. Read the figures from each schedule; they vary by insurer, product and place.
Waiting periods, notice deadlines for claims and the dates coverage starts and ends often differ between policies and between renewals. Ask for each period and what triggers it.
When one policy addresses a point and the other does not, a good answer says so. Ask Search+ to compare and point out where the policies differ, citing each source; then open both citations to confirm.
What to compare, why it matters, and a question to ask
| Comparison point | Why it matters | A question to ask Search+ |
|---|---|---|
| Insuring agreement | Sets the basic scope of what each insurer promises | How does each policy describe what it will pay for? |
| Definitions | Can widen or narrow coverage without changing the headline | How do the two policies define a covered dependent? |
| Exclusions | Decide what is outside cover even when the event seems included | Which exclusions are unique to each policy? |
| Limits and sub-limits | Cap the total and particular kinds of payment | Which services carry a separate limit in either policy? |
| Deductible and cost share | Decide what you pay before and alongside the insurer | How do the deductible terms differ between the two schedules? |
| Waiting periods | Delay when particular cover begins | Which policy has waiting periods for which benefits? |
| Claims conditions | Missing a duty can affect a claim | What notice and documents does each policy require for a claim? |
| Cancellation and renewal | Decide how and when each side can end or change the policy | How do the cancellation terms differ, including refunds of premium? |
What a policy comparison in Search+ is
A comparison in Search+ is a written answer in chat that sets the relevant passages of two or more policies against each other, with an inline citation to each one. You choose the criterion; Search+ finds the passages by meaning and describes where they agree, differ or are silent.
Questions about comparing insurance policies
Can Search+ tell me which insurance policy is better?
Can I compare my renewal with last year's policy?
What if the two insurers use different headings?
Can I compare more than two policies at once?
Will a comparison catch every difference?
One of the policies is a scanned brochure. Can I still compare it?
See the difference in the wording
Start a workspace, upload the policies you are weighing, and compare them one point at a time.
Start a workspace