Hook Most people look at their health insurance in terms of premium, sum insured, and a few visible benefits. Yet the true strength of a policy is rarely found on the surface. Real protection depends on how well your coverage aligns with medical realities in your city, your family structure, and the insurer’s actual claim behavior. That is exactly what your BimaScore reveals. Problem The challenge with traditional policy evaluation is that it’s often inconsistent and subjective. Two people can look at the same brochure and come away with completely different interpretations. Meanwhile, crucial factors such as room rent limits, waiting periods, sub-limits, cost of treatment in your Pin Code, or claim turnaround times often remain hidden until the moment of hospitalization. Without a standardized way to assess these variables, it becomes difficult to judge whether your policy is actually strong or only appears strong on paper. Discovery Your BimaScore, generated through BimaAnalyze by Alps Insurance Brokers Pvt. Ltd., is designed to make this complexity understandable. The score, ranging from 400 to 1000, is a reflection of how well your current coverage meets real-world expectations. BimaAnalyze starts with a few simple inputs — your Pin Code, insurer name, age group, and sum insured. From there, it evaluates more than 100 analytical factors, which include: City-specific medical inflation and hospitalization costs Insurer performance metrics like claim settlement patterns The typical structure of waiting periods and sub-limits linked to your insurer Coverage sufficiency based on your age group and family size Market comparisons with similar premium brackets Your BimaScore is not a guess; it’s a data-backed clarity marker. Here’s what the scale indicates: 400–600: Your policy may not be keeping pace with healthcare realities. This range suggests gaps such as restrictive room rent caps, high waiting periods, or inadequate disease coverage. 601–800: Your coverage is reasonably strong but may still have areas where improvements can add substantial value — especially if your city has higher medical costs. 801–1000: You are well-protected with a policy that aligns closely with your needs and market benchmarks. This range typically reflects balanced benefits, stronger insurer performance, and fewer restrictive conditions. Your BimaScore takes everything that’s complicated about insurance and translates it into a single insight: How well are you truly covered today? Vision This clarity will become even more meaningful with the launch of BimaSolution on March 31, 2026. The platform will use your BimaScore to offer personalized, data-driven health insurance recommendations tailored to your needs. Understanding your score now will help you make smarter renewal and upgrade decisions as this ecosystem evolves.