Terms & Conditions

This website, www.policytray.com is owned and operated by ESKRO Services Private Limited. By ‘You’ we refer to the users of this website. By using this website, you agree to the following terms and conditions. So please read them carefully. We reserve the right to change/ alter/ modify these terms and conditions at any time and we suggest that you periodically visit this page to review the most recent Terms & Conditions. The information and descriptions on the site do not necessarily represent complete descriptions of all terms, conditions and exclusions and the precise cover provided (as applicable) shall be included in the schedule of cover, policy documents and/ or conditions of purchase issued to you. If you apply for any product or service detailed on the site, these Conditions of Use should be read in conjunction with any additional terms and conditions relating to that product or service and, in the event of any contradiction between these Conditions of Use and the specific product of service terms and conditions, the latter shall prevail.

Privacy Policy

By using the website and / or registering yourself at PolicyTray.com, you authorize us, our affiliates & our associate partners to contact you via email or phone call and offer you our services , offer promotional offers running on website & offers offered by the associated third parties, for which reasons, personally identifiable information may be collected as detailed below. And Irrespective of the fact if also you have registered yourself under DND or DNC or NCPR service, you still authorize us to give you a call from PolicyTray & its associate partners for the above mentioned purposes, once you register with us.
When you register with us, we will ask you for your Name, Date of Birth, Phone, E-Mail, City. By accepting our Privacy Policy, you authorize us to share these information with our associates, so that they can reach out to you for selling their insurance products. By registering, you authorize us to send sms/ email alerts to you for your login details and any other service requirements or some advertising messages/ emails from us.

Fees and Charges

PolicyTray offers a free service and charges no fees or charges from it’s users.

Limitations of Services

The premium rates mentioned on the website may not be final and binding. The values provided on PolicyTray are intended only to provide some knowledge to the users and these values are in no way gauranteed. Further, the rates mentioned on the website are sourced and collated from various sources and not from the insurer. The rates are subject to change at any time and we take NO responsibility of any loss in such cases.
The maturity values mentioned at PolicyTray.com is only an estimation based on the past Bonus history of the insurer and in no way, it means that the maturity values given here are guaranteed, unless its explicitly mentioned in the policy brochure. The insurer reserves the right to recover from the policyholder or proposer, any levies and duties (including service tax), as imposed by the government, either by premium adjustment or other forms, as deemed appropriate. Kindly refer to the proposal for the exact fees and charges. PolicyTray.com never involves in selling of any type of insurance products.


The trademarks, logos and service marks displayed on the Site are the property of PolicyTray and other associated parties and service providers. The values provided here are for information purposes only and its NOT an official LIC website.
PolicyTray is an online platform where users shall gain knowledge on various insurance products. We do not sell any insurance products nor we recommend any product to the users by way of comparison. We are NOT any entity authorised by IRDA or any other insurance body to sell any insurance product. The information provided here are collected from various available sources and collated to provide an estimate. While efforts are being made to check the correctness, completeness, accuracy or usefulness of the contents published here, readers are requested not to entirely rely on information available on this website.