Bimaparakh — Group Health Insurance Bima Score & Coverage Analysis for Indian HR teams, powered by Protego Insure
For HR & Admin headsIs your group insurance
actually protecting your team?
Upload your policy and find out in 60 seconds — free.
Know more than your broker: Group policy score, Coverage gaps, Next-year costs, instant AI claim checks, a report your CEO will read — plus an HR community.
Your policy stays private and encrypted. No sales call unless you ask for one.
Sample Bima Score
72
out of 100
Good base, maternity gap
Bima Score
A single 0–100 score that tells you how strong your group cover really is.
Coverage Gaps
Red / amber / green breakdown of room rent, co-pay, waiting periods & more.
Renewal Radar
Never miss a renewal. We nudge you before it's too late to benchmark.
Claim Check
Describe a medical situation and see if it's likely covered — in plain English.
Next-Year Budget
Know your likely renewal cost early — annualized claims-based budget, GST included.
CEO-Ready Report
A branded, forwardable PDF your CEO/CFO will actually read — score, gaps & budget.
HR Community
Health camps, seminars & an HR network — benefits, POSH, retention and more.
Three steps. Two minutes.
Sign up
Tell us about your company & policy in a short form.
Upload policy
Drop in your group policy PDF. Consent-gated & encrypted.
Get your score
See your Bima Score, gaps and a shareable score card.
Why HR teams use Bimaparakh
Group health insurance is one of the largest people-costs an Indian company carries, yet most HR and admin teams only see the policy once a year at renewal — usually as a dense, jargon-heavy PDF. Bimaparakh, powered by Protego Insure, turns that document into clear answers in minutes. Upload your group mediclaim policy and you get a single 0–100 Bima Score, a red / amber / green breakdown of the coverage gaps that matter most, and a plain-English summary you can forward straight to your CEO or CFO.
Behind the score, Bimaparakh reads the terms that quietly hurt employees — room-rent caps, co-pay clauses, disease-wise sub-limits, maternity waiting periods and the corporate buffer — and shows you exactly where your cover is strong and where it needs work. Our AI claims coverage check lets you describe any hospitalisation or treatment and see whether it is likely covered before you commit. And with claims and member data, Bimaparakh projects a realistic next-year budget, benchmarks your premium against peers of your size, and flags where you may have overpaid — so you walk into your renewal negotiation with data, not guesswork.
Frequently asked questions
Is Bimaparakh free to use?
Yes. Getting your Bima Score, coverage-gap analysis and a shareable score card is completely free. There is no obligation and no sales call unless you ask for one.
What do I need to upload?
Just your company's group mediclaim policy PDF. For the deeper Insights (next-year budget and benchmarking) you can also add your claims dump and member-detail file — the claims analysis report is optional.
Is my policy data secure?
Your documents are transmitted over encrypted connections and stored in secured, access-controlled storage, shared only with Protego Insure to help you review cover, claims and renewals. You can delete your data any time from your dashboard.
How accurate is the coverage check?
The Bima Score, gaps and claims checks are indicative and informational, based on the documents you provide, and are subject to the insurer's final adjudication. For anything critical, a Protego advisor can confirm the details for you.
What is a good room-rent limit in group health insurance?
The best group policies have no room-rent cap, or a generous limit such as 1–2% of the sum insured per day (2% for ICU). A low fixed cap triggers proportionate deductions that shrink the whole claim. Bimaparakh flags your room-rent clause as red, amber or green.
Is maternity covered in group health insurance?
Group mediclaim can cover maternity, but terms vary — check the waiting period (often waived), the sub-limit (commonly ₹50,000 normal / ₹75,000 C-section) and whether the newborn is covered from day one. Bimaparakh reads your maternity clause for you.
What is co-pay and should our policy have it?
Co-pay is the share of every claim the employee pays. The best core covers have zero co-pay; it's more acceptable only on voluntary parental top-ups. Removing co-pay raises the premium, so weigh it against your claims experience.
When should we start our group insurance renewal?
Start about 90 days before your renewal date. Benchmarking your premium and annualizing your claims early gives you the data to negotiate — Bimaparakh's Renewal Radar nudges you at T-90/60/30 so you never leave it late.
HR insurance guides
Plain-English answers to what HR teams Google before renewal.
What is a good room-rent limit in group health insurance?
Room-rent caps quietly shrink every hospital claim. Here's what a healthy limit looks like and how to spot a bad one before renewal.
ReadIs maternity covered in group health insurance?
Maternity benefit, waiting periods and sub-limits explained for HR teams — what employees actually get, and where the gaps hide.
ReadWhat is co-pay in group mediclaim, and should your policy have it?
Co-pay makes employees share every claim. Here's when it's acceptable, when it isn't, and how it affects your premium.
Read