What each policy actually covers
Read from each insurer's own PDS, clause by clause, with the wording one click away. Built only from quote-verified provisions. not_stated means no evidence found for that concept — a gap in our reading as often as in the policy, never a cross.
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Click any cover for every clause, tier by tier, with verbatim quotes and page numbers. Carve-out counts are not comparable across brands yet — a 104-page PDS states more of everything than a 35-page one.