Bimaparakh — Understand your group health insurance in minutes

Bimaparakh is a mobile-first platform built for Indian HR and admin teams who manage group health insurance for their employees. Powered by Protego, it turns a dense, jargon-heavy policy document into clear, actionable answers — so you can protect your team and negotiate a better renewal with confidence.

Get your Bima Score

Upload your company's group mediclaim policy and instantly receive your Bima Score: a single 0 to 100 rating of how strong your cover really is. Alongside the score, you get a red, amber and green breakdown of the coverage gaps that matter most — room rent limits, co-pay clauses, disease-wise sub-limits, waiting periods, maternity benefits and corporate buffer — explained in plain English.

AI claims coverage check

Not sure whether a hospitalisation, procedure or treatment is covered? Describe the medical situation and Bimaparakh checks it against your uploaded policy and the insurer's master wording, giving you an indicative answer in seconds. Attach a prescription or consultation note for an even sharper view, then connect with a Protego representative for final clarity.

Next-year budget and premium insights

Bimaparakh reads your claims data and member details to project a realistic next-year insurance budget. See your annualised claims, benchmark against peers, and understand whether you overpaid last year — all without exposing complex actuarial maths to your leadership. Forward a clean, CEO-ready and CFO-ready branded report in one click.

Renewals, claims support and HR community

Never miss a renewal with automatic reminders. Get help escalating stuck or rejected claims. Refer fellow HR leaders to unlock a free employee health check-up, and discover real HR summits, conclaves, POSH conferences and wellness seminars happening across India — from Mumbai and New Delhi to Bengaluru, Gurugram and beyond.

Bimaparakh is powered by Protego Insure. Group health insurance, employee benefits, coverage analysis and claims support — made simple for Indian HR teams.

Corporate

For HR & Admin heads

Is your group insurance
actually protecting your team?

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.

Encrypted & confidential

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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.

Three steps. Two minutes.

1

Sign up

Tell us about your company & policy in a short form.

2

Upload policy

Drop in your group policy PDF. Consent-gated & encrypted.

3

Get your score

See your Bima Score, gaps and a shareable score card.