See your Money at Risk, find health cover suited to your personal picture, compare how benefits actually work, and ask every follow-up—without commission bias or a forced callback.
“Can the restored sum insured be used for the same illness in the same year?”
“Should I increase my base cover or add a super top-up?”
“Can a cheaper plan cost me more because of room-rent limits or co-pay?”
Conventional comparison experiences highlight price and visible benefits. The difficult questions—the ones that actually decide whether a policy works for your life—begin after the shortlist.
See the financial exposure behind everyday life events.
Identify health products suited to your needs, budget and existing protection.
Understand restoration, room limits, waiting periods, exclusions, co-pay and sub-limits.
Resolve detailed product questions without a mandatory human handoff.
These are examples of the kind of reasoning AVYA works through — for an actual answer on your policy or profile, ask inside the live app.
Can the restored sum insured be used for the same illness in the same year?
How does maternity cover differ when waiting periods and sub-limits are considered together?
Which plans cover infertility-related treatment or IVF, and under what conditions?
Can a cheaper plan cost me more because of room-rent limits or co-pay?
Should I increase my base cover or add a super top-up?
What does this exclusion mean for my personal situation?
Insurance products are designed for different customer profiles, needs and trade-offs. AVYA judges suitability rather than popularity—then explains why a product may fit, where it may not, and what deserves a closer look.
Answers use structured product information and policy wording.
Commission data does not determine the answer.
No preferred-insurer ranking is built into the recommendation.
Shows why an option may fit and the trade-offs that matter.
Built on 25 years of insurance product design.
⚡ AI-powered · Commission-neutral · Read the AVYA Promise →
The assessment maps exposure across life, health, income, accident, home and cyber risks. It turns the gaps into a prioritised protection picture, with personalised product matching beginning with health insurance.
Find my Money at Risk →No. Comparison sites line up features and prices side by side and leave the interpretation to you. AVYA starts with your personal risk picture, explains what actually fits it, and stays available to answer every follow-up question afterwards.
AVYA is commission-blind and insurer-neutral — commission data does not determine what's shown to you, and no insurer is preferred by default. Answers are grounded in structured product information and policy wording, with the reasoning behind each suggestion made visible rather than hidden.
Yes — Ask AVYA is built to work through the specific clauses, waiting periods, sub-limits and exclusions that matter for your situation. The final insurer-issued policy wording always governs actual coverage.
Personalised product matching currently covers Health insurance, based on your assessed risk picture, budget and existing cover. Other categories are not yet supported through this matching.
No — you can assess your risk, compare options and ask detailed questions entirely on your own. Optional human help stays available whenever you want it, or where regulated steps in actually buying a policy require it.
Your details are used to assess your risk picture and match suitable cover, and are handled under AVYA's Privacy Policy and Terms of Use. Read the full policies for exactly what's collected and how it's used.