AUAS.Dev Product
Insurance Smart
Compare, buy, and manage insurance without the agent
Insurance comparisons online show you premium only, with policy exclusions buried in 60-page PDFs
Low premiums often come with exclusions that void claims. Insurance Smart surfaces the top 5 exclusions for every policy in plain language before you compare premiums.
Filing a claim requires forms, phone calls, and multiple document re-submissions over weeks
Claim friction is the biggest trust destroyer in insurance. Insurance Smart provides a digital claims assistant that pre-fills forms, tracks status, and escalates delays automatically.
Your family's insurance policies are scattered across emails and physical files with no renewal tracking
A missed renewal at the wrong time is a financial catastrophe. Insurance Smart stores all policies in one dashboard with automated renewal reminders 60 days before each expiry.
Comparing policies across insurers requires speaking to agents who each push only their own products
Agent advice is structurally biased toward commission-heavy products. Insurance Smart shows unbiased side-by-side comparisons across all major insurers with no agent incentive in the ranking.
Your nominees do not know which insurers to contact or how to file in the event of a claim
Insurance is useless if beneficiaries cannot access it. Insurance Smart stores emergency claim instructions and insurer contacts in a nominee-accessible section that works without your login.
Health insurance cashless claim rejections happen at hospital reception desks with no prior warning
Cashless denial at the point of care is a crisis. Insurance Smart pre-authorises planned hospitalisation automatically and alerts you of network hospital eligibility before you check in.
No-claim bonus reductions from a single minor claim cost more than the claim itself over five years
Out-of-pocket calculation for small claims is never done before filing. Insurance Smart models the NCB impact before every claim so you can make an informed decision about whether to file.
Group health insurance from your employer lapses immediately on resignation with no continuity option visible
Job transitions create dangerous insurance gaps. Insurance Smart notifies you 30 days before employment insurance expiry and shows portability options to continue coverage without a break.