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Four policies, four ways to lose money
The same trap looks different depending on what you bought. Here is what PoliciesXray checks first in each.
Health policy
Room rent caps and the pre-existing disease clock — the two things that quietly halve a hospital claim.
Motor policy
Depreciation on parts, zero-dep add-ons, and what "own damage" actually excludes.
Life policy
Suicide clauses, non-disclosure grounds, and whether your nominee can actually claim.
Travel policy
Sub-limits on medical evacuation and the pre-trip conditions nobody reads at booking.
Try it on your own policy
It works with any Indian insurer — LIC, Star Health, HDFC ERGO, Niva Bupa, ICICI Lombard and the rest.
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