Insure‑Helper: Simple answers to health insurance questions

Health insurance information is technically available, but it’s rarely easy to understand when you actually need it. Policies are long, terms are confusing, and most answers online are generic. So I built a small tool that helps you ask questions in plain language and get a plain-language response back.

Try it here

Why I built this

While searching for insurance policies for my autistic brother, I couldn't find much guidance around health insurance coverage for neurodiverse kids. A lot of insurance advisors were also not able to help given the niche ask.

If you find the right products, even then basic questions felt hard to answer quickly:

• what’s covered vs not covered

• what “pre‑existing” actually means in practice

• whether therapy-related support is included

• what limits or exclusions apply

A lot of the information exists, but it’s scattered and written in a way that makes it hard to act on. This tool is my attempt to reduce that friction.

What it is

Insure‑Helper is a small web app that answers common health-insurance questions in a straightforward way.

It’s meant for:

• quick clarity on terms and processes

• knowing what to check in a plan/policy

• getting a usable next step instead of “it depends”

It’s not a broker, and it’s not trying to sell you anything.

What it helps with

General health insurance questions

• Cashless vs reimbursement: what’s the difference?

• What is a deductible / co-pay?

• What is a waiting period?

• What does “sub-limit” mean?

• How do exclusions work?

• What documents are usually needed for a claim?

Questions that come up for neurodiverse kids

(These vary a lot by plan and country, but the questions are common.)

• Does the plan cover therapy-related care? If yes, where are the limits mentioned?

• Are developmental conditions treated as “pre-existing” for coverage purposes?

• Are there caps (sessions / amount / category limits) for outpatient support?

• How do I find the right section in the policy to confirm this?

The goal isn’t to guess your plan details. It’s to help you understand what the terms mean and what to look for.

What it won’t do

To keep it useful and honest, Insure‑Helper should not:

• make guarantees about claim approval

• replace plan wording or professional advice

• give medical guidance

If a question depends on your exact policy, the tool should steer you to what to verify rather than inventing an answer.