Personal · What you keep · Insurance policies and claims
Insurance papers your family can find when they need them
Insurance is bought to be used on a bad day. On that day, someone has to find the policy number, the e-card or the claim papers, and it's often not the person who bought it.
What you have, and where it lives
Usually one copy, in one place. That's the part we fix.
| What | Where it usually is |
|---|---|
| Health insurance policy and e-cards | Email and the insurer's app |
| Life and term insurance policy documents | A cupboard, and an agent's office |
| Motor insurance | The glovebox and email |
| Claim forms, hospital bills and settlement letters | A carry bag after each hospital stay |
| Premium receipts for tax |
How it usually gets lost
- A family member is admitted to hospital and nobody knows which insurer covers them, or the policy number.
- The family doesn't know a life policy exists until years later, if at all.
- A claim is rejected for a missing bill, and the original was handed over without a copy.
- Renewal notices go to an old email address, and a policy lapses.
What we back up
You choose what goes up. Copy one stays on your phone or laptop; copies two and three go to two storage providers you choose, one of them on another continent (Mumbai or Hyderabad if your data must stay in India).
Policies
Scan or save every policy into an insurance folder, backed up from your phone.
Family vault
Put the insurance folder in the shared vault, so a spouse or children can find it on a bad day.
Claims
Snap each hospital bill and claim form with the bill scanner before handing originals over.
Back up the mailbox where policies and renewals arrive.
Good habits, with or without us
- Keep a short list of every policy: insurer, policy number, who's covered, nominee, renewal date. Put it in the family vault.
- Photograph every bill and form before handing it to the insurer or hospital.
- Tell your nominee that the policy exists, and where the list is.
- Print the recovery kit you get at setup and keep it with your other important papers. Your files are encrypted on your phone before upload and we can't reset your passphrase, so the kit is how you get back in.
How it works
- 1
Pick what matters
When the app launches, install it on your iPhone or Android phone and choose: photos, the folders you want, contacts, your mailbox. Nothing else leaves your phone.
- 2
It runs on its own
New photos and files are encrypted and copied in the background; email every few hours. Nobody has to remember.
- 3
Get it back
New phone, deleted file or lost laptop: restore everything, or bring back one document from version history.
What it costs
Prepaid, minimum ₹200 a month
You pay for the storage you use at the rates of the two providers you choose, with a ₹200 monthly minimum. Top up by UPI, card or net banking. No auto-debit, no card on file. Prices exclude 18% GST. How pricing works.
Join the waitlist
triplicate is in early access and the phone app is in development. Leave your email and we'll write when it's ready for you.
You might also want
LIC and life insurance
Policy bonds, premium receipts, nominee details and the list your family will need to claim, kept where they can find it.
Medical records
Reports, scans, prescriptions and discharge summaries for everyone in the family, there when a doctor asks at 2 a.m.
Pass on to your heirs
Choose who should receive your will, LIC policies, property papers and account list, and when. They get them only after checks you set up.