{"uin":"SHAHLIP26043V062526","name":"Young Star Insurance Policy","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526","insurer":{"slug":"star-health-and-allied-insurance","name":"Star Health & Allied Insurance Co.Ltd.","url":"https://indiainsurances.com/insurer/star-health-and-allied-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-05-14","withdrawn_on":null,"summary":"Young Star Insurance Policy is a Star Health indemnity health policy for adults aged 18 to 40 at entry, sold as Silver and Gold plans on individual or floater basis with sum insured from Rs.5 lakh to Rs.1 crore, a single private A/C room and no co-payment. Pre-existing diseases and listed conditions wait 12 months, the sum insured is restored once by 100% a year, and the Gold Plan adds delivery cover up to Rs.30,000 after 36 months and hospital cash.","analysis":{"state":"extracted","analysed_at":"2026-10-19 16:40:22.387478+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"cross-checked","value":["Silver Plan","Gold Plan"],"display":"Silver Plan, Gold Plan","note":"Gold Plan adds Delivery Expenses and Hospital Cash Benefit; other cover is common to both plans.","quote":"Plan Options There are two plans available; i. Silver Plan ii. Gold Plan","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1 year, 2 years or 3 years.","display":"1, 2 or 3 years","note":"Long term discount: 10% on 2nd year premium, 12.5% on 3rd year premium; not available if premium is paid in instalments.","quote":"Policy Term: 1 year/ 2 year/ 3 year.","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Emergency hospitalisation: within 24 hours of hospitalisation. Planned hospitalisation: at least 48 hours before the treatment or admission.","display":"Within 24 hours of emergency admission; at least 48 hours before planned admission","note":"Reimbursement claim to be filed within 15 days of discharge; post-hospitalisation bills within 15 days after completion of 90 days from discharge. The insurer may relax the time limits on merits.","quote":"Emergency Hospitalization (Cashless / Reimbursement): Within 24 hours of date and time of Hospitalization if the Insured Person has been hospitalized in an Emergency. ... Planned Hospitalization (Cashless / Reimbursement): At least 48 hours prior to the proposed treatment or date and time of Hospitalization ... However the Company will examine and relax the time limit mentioned in these conditions depending upon the merits of the case.","sources":[{"clause":null,"heading":"Emergency Hospitalization (Cashless","page":27,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-emergency-hospitalization-cashless"},{"clause":null,"heading":"Planned Hospitalization (Cashless /","page":27,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-planned-hospitalization-cashless"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Duly completed claim form","Pre Admission investigations and treatment papers in original","Discharge Summary in original from the hospital","Cash receipts in original from hospital, chemists","Cash receipts and reports for tests done in original","Receipts from doctors, surgeons, anesthetist in original","Certificate from the attending doctor regarding the diagnosis","Copy of PAN card","Copy of Aadhaar Card","Any other document specific to the treatment / illness","Prescriptions and receipt for Pre and Post-Hospitalization expenses","KYC (Identity proof with Address) of the proposer, as per AML Guidelines","NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code","CKYC No. of the proposer (if available)"],"display":"Duly completed claim form; Pre Admission investigations and treatment papers in original; Discharge Summary in original from the hospital; Cash receipts in original from hospital, chemists; Cash receipts and reports for tests done in original; Receipts from doctors, surgeons, anesthetist in original; Certificate from the attending doctor regarding the diagnosis; Copy of PAN card; Copy of Aadhaar Card; Any other document specific to the treatment / illness; Prescriptions and receipt for Pre and Post-Hospitalization expenses; KYC (Identity proof with Address) of the proposer, as per AML Guidelines; NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code; CKYC No. of the proposer (if available)","note":"The Company may call for additional documents; full list on the insurer's website.","quote":"Duly completed claim form ... Pre Admission investigations and treatment papers in original ... Discharge Summary in original from the hospital ... Cash receipts in original from hospital, chemists ... Cash receipts and reports for tests done in original ... Receipts from doctors, surgeons, anesthetist in original ... Certificate from the attending doctor regarding the diagnosis ... Copy of PAN card ... Copy of Aadhaar Card ... Any other document specific to the treatment / illness ... Prescriptions and receipt for Pre and Post-Hospitalization expenses ... KYC (Identity proof with Address) of the proposer, as per AML Guidelines ... NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code ... CKYC No. of the proposer (if available)","sources":[{"clause":null,"heading":"E. Documents to be submitted for","page":27,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-e-documents-to-be-submitted-for"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"Cashless pre-authorisation within 1 hour and cashless final bill authorisation within 3 hours from receipt of all necessary documents. No time for settling reimbursement claims is printed.","display":"Cashless: pre-authorisation 1 hr, final bill 3 hrs from receipt of all documents","note":"From the CIS. The policy wording gives no settlement time for reimbursement claims.","quote":"TAT for preauthorization of cashless facility :1 hr from the time of receipt of all necessary relevant documents ... TAT for cashless final bill authorization:3 hrs from the time of receipt of all necessary relevant documents","sources":[{"clause":"Row 5(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-row-5-i"},{"clause":"Row 5(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-row-5-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 12 months of continuous coverage","Listed conditions and surgeries until 12 months of continuous coverage (not for accidents)","Any illness within 30 days of first policy commencement, except accidents","Admission primarily for diagnostics and evaluation","Rest cure, rehabilitation and respite care","Surgical treatment of obesity not meeting the conditions","Cosmetic or plastic surgery unless for reconstruction after accident, burns or cancer","Professional hazardous or adventure sports","Alcoholism, drug or substance abuse","Sterility and infertility","Maternity, except the Gold Plan delivery cover","Dental treatment unless due to accidental injury needing hospitalisation","Unproven treatments","Spectacles, contact lens, hearing aids, walkers, CPAP and similar aids","Existing diseases named in the schedule under Permanent Exclusion"],"display":"Pre-existing diseases until 12 months of continuous coverage; Listed conditions and surgeries until 12 months of continuous coverage (not for accidents); Any illness within 30 days of first policy commencement, except accidents; Admission primarily for diagnostics and evaluation; Rest cure, rehabilitation and respite care; Surgical treatment of obesity not meeting the conditions; Cosmetic or plastic surgery unless for reconstruction after accident, burns or cancer; Professional hazardous or adventure sports; Alcoholism, drug or substance abuse; Sterility and infertility; Maternity, except the Gold Plan delivery cover; Dental treatment unless due to accidental injury needing hospitalisation; Unproven treatments; Spectacles, contact lens, hearing aids, walkers, CPAP and similar aids; Existing diseases named in the schedule under Permanent Exclusion","note":"Also excluded: items in the list of other excluded expenses (gloves, masks, attendant charges and others).","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage ... excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Rest Cure, rehabilitation and respite care ... Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Expenses related to sterility and infertility ... Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan) ... Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization (Dental implants are not payable) ... Expenses related to any unproven treatment, services and supplies ... Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP ... Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under Permanent Exclusion (based on Insured’s consent)","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl01"},{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-3-30-day-waiting-period-code-excl-03"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl04"},{"clause":"Excl06","heading":"Obesity/ Weight Control – Code Excl 06","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl06"},{"clause":"Excl08","heading":"Expenses for cosmetic or plastic","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl08"},{"clause":"Excl09","heading":"Expenses related to any treatment","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl09"},{"clause":"Excl11","heading":"Excluded Providers – Code Excl 11","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl11"},{"clause":"16","heading":"Unproven Treatments – Code Excl 16","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-16"},{"clause":"17","heading":"Sterility and Infertility - Code Excl","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17"},{"clause":"18","heading":"Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan)","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-18"},{"clause":"30","heading":"Dental treatment or surgery unless necessitated due to accidental injuries and requiring","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-30"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"Contact Star Health first: website www.starhealth.in, e-mail gro@starhealth.in or grievances@starhealth.in, phone 044-69006900 or toll free 1800 425 2255, or any branch grievance cell. If not satisfied, the grievance officer at 044-43664600, then the Insurance Ombudsman.","display":"Star Health: gro@starhealth.in, grievances@starhealth.in, 044-69006900, toll free 1800 425 2255; then grievance officer 044-43664600; then Ombudsman","note":"Senior citizens may call 044-69007500. Courier: 4th Floor, Balaji Complex, No.15, Whites Lane, Whites Road, Royapettah, Chennai 600014. Complaints may also be lodged on IRDAI Bima Bharosa.","quote":"Incase of any grievance the Insured Person may contact the Company through ... Website | : www.starhealth.in ... gro@starhealth.in,\ngrievances@starhealth.in\nPh. No. | : 044-69006900\nToll Free No : 1800 425 2255 ... lnsured person may also approach the grievance cell at any of the company’s branches with the details of grievance ... Insured Person may contact the grievance officer at 044- 43664600 ... the Insured Person may also approach the office of lnsurance Ombudsman of the respective area/ region","sources":[{"clause":null,"heading":"13. Possibility of Revision of Terms of the","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-13-possibility-of-revision-of-terms-of-the"},{"clause":null,"heading":"Courier/ Post : Star Health and Allied","page":32,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-courier-post-star-health-and-allied"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs.5,00,000, 7,50,000, 10,00,000, 15,00,000, 20,00,000, 25,00,000, 50,00,000, 75,00,000 and 1,00,00,000 on individual or floater basis; Rs.3,00,000 only on individual basis and only for renewals.","display":"Rs.5 lakh to Rs.1 crore (Rs.5,00,000 to Rs.1,00,00,000); Rs.3,00,000 for renewals only","note":"From the prospectus.","quote":"Rs.3,00,000/- (Available only on Individual Sum Insured basis and only for renewals) ... Rs.5,00,000/-, Rs.7,50,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/-, Rs.25,00,000/-, Rs.50,00,000/-, Rs.75,00,000/- and Rs.1,00,00,000/- available for Individual and Floater basis","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply to accidents, or if the insured has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident","sources":[{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-3-30-day-waiting-period-code-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":12},"display":"12 months","note":"Applies afresh to any sum insured increase; reduced by prior continuous coverage under portability. Cover after 12 months only if the disease was declared and accepted.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Policy with insurer","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"cross-checked","value":{"unit":"months","amount":12},"display":"12 months","note":"One tier only. Not for accidents. If a listed condition is also pre-existing, the longer waiting period applies.","quote":"excluded until the expiry of 12 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Diseases of ENT and Thyroid","All types of Hydrocele, Hernia, Varicocele, Piles, Fistula, and Fissure in Ano","Diseases of Female Reproductive System","Calculus diseases of the Gall Bladder, Kidney and Urinary Tract"],"display":"Diseases of ENT and Thyroid; All types of Hydrocele, Hernia, Varicocele, Piles, Fistula, and Fissure in Ano; Diseases of Female Reproductive System; Calculus diseases of the Gall Bladder, Kidney and Urinary Tract","note":null,"quote":"Diseases of ENT and Thyroid ... All types of Hydrocele, Hernia, Varicocele, Piles, Fistula, and Fissure in Ano ... Diseases of Female Reproductive System ... Calculus diseases of the Gall Bladder, Kidney and Urinary Tract","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-excl01"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the sixty months run from the date of enhancement on the enhanced limit.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"17(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying at least 30 days but not earlier than 60 days before renewal, carrying over credits for sum insured, no claim bonus, specific and pre-existing disease waiting periods and moratorium.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credits carried over","note":null,"quote":"The Policyholder has the choice to port his / her policy from one Insurer to another by applying to such Insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date ... The Policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, Specific Waiting Periods, Waiting period for Pre-Existing Diseases, Moratorium period etc. from the existing Insurer to the Acquiring Insurer","sources":[{"clause":"17(b)(i)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-i"},{"clause":"17(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes","note":"Lifelong renewal is printed in the prospectus eligibility section.","quote":"Lifelong renewal. ... The policy shall be renewable provided the product is not withdrawn, except in case of established fraud or non-disclosure or misrepresentation by the Policyholder.","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"},{"clause":"17(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-ii"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"No claim-based loading is stated. The prospectus offers a 5% Favourable Claim Experience Discount at renewal only if claims in the preceding three years total up to Rs. 25,000 (insured aged up to 55). Risk loading is based on proposal declarations and health status.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation","Rest cure, rehabilitation and respite care","Obesity / weight control surgery not meeting conditions","Change-of-gender treatments","Cosmetic or plastic surgery","Hazardous or adventure sports","Breach of law","Excluded providers","Alcoholism, drug or substance abuse","Health hydros, nature cure clinics, spas","Dietary supplements bought without prescription","Refractive error less than 7.5 dioptres","Unproven treatments","Sterility and infertility","Maternity, except Gold Plan delivery cover","Circumcision unless medically necessary or due to accident","Congenital external conditions / defects / anomalies","Convalescence, general debility, nutritional deficiency","Intentional self-injury","War and warlike operations","Nuclear weapons or materials","EECP, chelation, hyperbaric oxygen and similar therapies","Unconventional, untested, experimental therapies","Stromal vascular fraction, chondrocyte implantation, PRP, intra-articular injections","Biologicals except as in-patient when warranted","Inoculation or vaccination","Dental treatment unless accidental","Hospital registration, admission, record charges","Spectacles, contact lens, hearing aids, cochlear implants and similar aids","Hospitalisation not medically necessary","Other excluded expenses listed on the insurer website","Existing diseases named in the schedule under Permanent Exclusion"],"display":"Investigation & Evaluation; Rest cure, rehabilitation and respite care; Obesity / weight control surgery not meeting conditions; Change-of-gender treatments; Cosmetic or plastic surgery; Hazardous or adventure sports; Breach of law; Excluded providers; Alcoholism, drug or substance abuse; Health hydros, nature cure clinics, spas; Dietary supplements bought without prescription; Refractive error less than 7.5 dioptres; Unproven treatments; Sterility and infertility; Maternity, except Gold Plan delivery cover; Circumcision unless medically necessary or due to accident; Congenital external conditions / defects / anomalies; Convalescence, general debility, nutritional deficiency; Intentional self-injury; War and warlike operations; Nuclear weapons or materials; EECP, chelation, hyperbaric oxygen and similar therapies; Unconventional, untested, experimental therapies; Stromal vascular fraction, chondrocyte implantation, PRP, intra-articular injections; Biologicals except as in-patient when warranted; Inoculation or vaccination; Dental treatment unless accidental; Hospital registration, admission, record charges; Spectacles, contact lens, hearing aids, cochlear implants and similar aids; Hospitalisation not medically necessary; Other excluded expenses listed on the insurer website; Existing diseases named in the schedule under Permanent Exclusion","note":"Quoted from the prospectus, whose exclusion list is cleaner than the two-column wording text; the wording prints the same list (Excl 04 to Excl 38). Code numbers skip Excl 23, 30 and 33.","quote":"Investigation & Evaluation ... Rest Cure, rehabilitation and respite care ... Obesity/ Weight Control ... Change-of-Gender treatments ... Cosmetic or plastic Surgery ... Hazardous or Adventure sports ... Breach of law ... Excluded Providers ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... Dietary supplements and substances that can be purchased without prescription ... refractive error less than 7.5 dioptres ... Unproven Treatments ... Sterility and Infertility ... Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan) ... Circumcision (unless necessary for treatment of a disease not excluded under this policy ... Congenital External Condition / Defects / Anomalies ... Convalescence, general debility, run-down condition, Nutritional deficiency states ... Intentional self -injury ... Injury/disease caused by or arising from or attributable to war, invasion, act of foreign ... Injury or disease caused by or contributed to by nuclear weapons/ materials ... Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy ... Unconventional, Untested, Experimental therapies ... Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy ... Biologicals, except when administered as an in-patient ... Inoculation or Vaccination (except for post–bite treatment and for medical treatment for ... Dental treatment or surgery unless necessitated due to accidental injuries ... Hospital registration charges, admission charges, record charges, telephone charges ... Cost of spectacles and contact lens, hearing aids, Cochlear implants ... Any hospitalization which are not medically necessary ... Other Excluded Expenses as detailed in the website www.starhealth.in ... Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under Permanent Exclusion (based on Insured’s consent)","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – Code Excl 05: Expenses related to any","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control – Code Excl 06: Expenses related to the surgical treatment of","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery – Code Excl 08: Expenses for cosmetic or plastic surgery or","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports – Code Excl09: Expenses related to any treatment","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl09"},{"clause":"Excl10","heading":"Breach of law – Code Excl 10: Expenses for treatment directly arising from or consequent","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers – Code Excl 11: Expenses incurred towards treatment in any hospital","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl11"},{"clause":"Excl15","heading":"Refractive Error – Code Excl 15: Expenses related to the treatment for correction of","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-excl15"},{"clause":"16","heading":"Unproven Treatments","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-16"},{"clause":"17","heading":"Sterility and Infertility","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-17"},{"clause":"18","heading":"Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan)","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-18"},{"clause":"19","heading":"Circumcision (unless necessary for treatment of a disease not excluded under this policy","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-19"},{"clause":"20","heading":"Congenital External Condition / Defects / Anomalies - Code- Excl 20","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-20"},{"clause":"21","heading":"Convalescence, general debility, run-down condition, Nutritional deficiency states","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-21"},{"clause":"22","heading":"Intentional self -injury - Code- Excl 22","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-22"},{"clause":"23","heading":"Injury/disease caused by or arising from or attributable to war, invasion, act of foreign","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed to by nuclear weapons/ materials","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-24"},{"clause":"25","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-25"},{"clause":"26","heading":"Unconventional, Untested, Experimental therapies - Code- Excl 27","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-26"},{"clause":"27","heading":"Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-27"},{"clause":"28","heading":"Biologicals, except when administered as an in-patient, when clinically indicated and","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-28"},{"clause":"29","heading":"Inoculation or Vaccination (except for post–bite treatment and for medical treatment for","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-29"},{"clause":"30","heading":"Dental treatment or surgery unless necessitated due to accidental injuries and requiring","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-30"},{"clause":"31","heading":"Hospital registration charges, admission charges, record charges, telephone charges","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-31"},{"clause":"32","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-32"},{"clause":"33","heading":"Any hospitalization which are not medically necessary / does not warrant hospitalization","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-33"},{"clause":"34","heading":"Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-34"},{"clause":"35","heading":"Existing disease/s, disclosed by the Insured and mentioned in the policy schedule under","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-35"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"Policyholder can cancel with 7 days written notice: for a term up to one year, proportionate premium for the unexpired period if no claim was made; for longer terms, premium for policy years whose cover has not started. No refund if the insurer cancels for misrepresentation, non-disclosure or fraud.","display":"Pro-rata refund for unexpired period if no claim (1-year term); unstarted years refunded on multi-year policies","note":"Refund on long term policies is after adjusting the long term discount. If a claim was made in a one-year policy, no refund is stated.","quote":"The Policyholder may cancel his policy by giving 7 days written notice. ... a) refund proportionate premium for unexpired Policy Period, for Policy Term upto one year and there is no claim (s) made during the Policy Period. ... b) refund premium for the unexpired Policy Period, in respect of policies with Policy Term more than 1 year and risk coverage for such Policy Years has not commenced. ... There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud. ... In case of long term policies the refund will be given after adjusting the long term discount availed by the insured/ policyholder.","sources":[{"clause":"17(l)(iv)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-l-iv"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":null,"quote":"Territorial Limit : All treatments under this policy shall have to be taken in India.","sources":[{"clause":"23","heading":"Territorial Limit : All treatments under","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-23"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting/migration. Refund less proportionate risk premium, medical examination and stamp duty costs.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/ migrating the policy. The Policyholder shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy. ... The Policyholder shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any incurred by the Insurer on medical examination of the proposer and stamp duty charges.","sources":[{"clause":null,"heading":"13. Possibility of Revision of Terms of the","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-13-possibility-of-revision-of-terms-of-the"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days for monthly instalments.","quote":"At the end of the Policy Period, the policy shall terminate and can be renewed within the Grace Period of 30 days. ... For monthly instalment option: Grace Period of 15 days would be given to pay the instalment premium due for the policy. ... For Quarterly, Half yearly and Yearly instalment option: Grace Period of 30 days would be given","sources":[{"clause":"17(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"Adults aged 18 to 40 years; economically dependent children from 91 days to 25 years with one or both parents.","display":"18 to 40 years (children 91 days to 25 years)","note":"From the prospectus.","quote":"Any person aged between 18 years and 40 years can take this insurance. ... Economically dependent children aged from 91 days to 25 years can be covered with one or both parents.","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Monthly","Quarterly","Half-yearly","Yearly"],"display":"Monthly, quarterly, half-yearly, yearly","note":"Loading of 2% half-yearly, 3% quarterly, 4% monthly. Multi-year policies can be paid upfront as a single payment.","quote":"Premium can be paid Monthly, Quarterly, Half-yearly and Yearly. ... i. 2% for half-yearly mode\nii. 3% for quarterly mode\niii. 4% for monthly mode","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"cross-checked","value":["Young Star Extra Protect add-on (UIN SHAHLIA23171V012223)","Star Flexi add-on (UIN SHAHLIA26040V012526)"],"display":"Young Star Extra Protect (SHAHLIA23171V012223); Star Flexi (SHAHLIA26040V012526)","note":"From the prospectus; separate add-on products with their own terms. 0.25% discount on base premium when Young Star Extra Protect is taken.","quote":"Add-on cover: Young Star Extra Protect – Add on cover| UIN: SHAHLIA23171V012223 and its subsequent revisions. Star Flexi | UIN: SHAHLIA26040V012526 and its subsequent revisions. These Add on covers can be availed along with this Product.","sources":[{"clause":"Row 7(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-row-7-b"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"No cover during the renewal grace period (continuity is kept); for premiums paid in instalments, cover continues during the grace period.","display":"Not covered at renewal grace; covered for instalment premiums","note":null,"quote":"While coverage is not available during the Grace Period, if the policy is renewed during the Grace Period, all the credits ... For premium paid in instalments during the Policy Period, coverage is available during the grace period also.","sources":[{"clause":"17(b)(ii)","heading":null,"page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-ii"},{"clause":"17(b)(viii)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-17-b-viii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"Single private A/C room; no rupee limit.","display":"Single Private A/C room","note":"Single Private A/c Room: single occupancy air-conditioned, the most economical single room in the hospital; not deluxe room or suite. Costlier room leads to proportionate deduction.","quote":"Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital.","sources":[{"clause":"1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1-i"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"Single private A/C room, both plans; not a deluxe room or suite.","display":"Single Private A/C room","note":null,"quote":"Room (Single Private A/C room), Boarding and Nursing Expenses as provided by the Hospital. ... Single Private A/c Room means a single occupancy airconditioned room with attached rest room and a couch for the attendant. ... Such room must be the most economical of all accommodations available in that hospital as single occupancy. This does not include Deluxe room or a suite.","sources":[{"clause":"1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1-i"},{"clause":null,"heading":"Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-unique-identification-no-shahlip26043v062526"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"No separate ICU limit; ICU charges are paid within the sum insured.","display":"No separate limit, up to sum insured","note":null,"quote":"up to the Sum Insured specified in the Policy Schedule against this In-Patient treatment ... Operation Theatre charges, ICU charges ... iv. Any other limit as applicable | NIL","sources":[{"clause":"1","heading":"In-patient Treatment: We will cover the","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1"},{"clause":"1(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1-iii"},{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-specific-exclusions"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. If a room above the eligible category is chosen, associated medical expenses (professional fees, OT and procedure charges) are reduced in proportion, besides the room rent difference; pharmacy, consumables, implants and diagnostics are not reduced.","display":"Yes, on associated medical expenses if a higher room is chosen","note":null,"quote":"Hospitalization expenses which vary based on the room rent occupied by the Insured Person will be considered in proportion to the room rent limit / room category stated in the Policy or actuals whichever is less. ... If Policyholder chooses a higher room category above the eligibility defined in policy, then proportionate deduction will apply on the Associated Medical Expenses in addition to the difference in room rent. Such associated medical expenses do not include Cost of pharmacy and consumables, Cost of implants and medical devices and Cost of diagnostics.","sources":[{"clause":"1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1-i"},{"clause":null,"heading":"Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-unique-identification-no-shahlip26043v062526"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"None.","display":"Nil","note":"From the CIS; the policy wording prints no co-payment.","quote":"Co-payment (It is specified amount / Percentage of the admissible claim amount to be paid by Policyholder / insured) | NIL","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-specific-exclusions"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"cross-checked","value":"None on hospitalisation claims.","display":"Nil","note":"From the CIS. Gold Plan Hospital Cash Benefit has a 1 day deductible.","quote":"Deductible (It is a specified amount: up to which an insurance company will not pay any claim and Which will be deducted from total claim amount (if claim amount is more than the specified amount) | NIL ... This benefit is subject to 1 day Deductible.","sources":[{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-specific-exclusions"},{"clause":"Row 7(b)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-row-7-b"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Uterine artery Embolization and HIFU: Rs.1,25,000 at Rs.5,00,000 sum insured","Balloon Sinuplasty: Rs.50,000 at Rs.5,00,000 sum insured","Deep Brain Stimulation: Rs.2,50,000 at Rs.5,00,000 sum insured","Oral Chemotherapy (including pre and post hospitalisation): Rs.1,25,000 at Rs.5,00,000 sum insured","Immunotherapy (monoclonal antibody injection): Rs.2,50,000 at Rs.5,00,000 sum insured","Intra Vitreal injections: Rs.50,000 at Rs.5,00,000 sum insured","Robotic Surgeries: Rs.2,50,000 at Rs.5,00,000 sum insured","Stereotactic Radio Surgeries: Rs.2,00,000 at Rs.5,00,000 sum insured","Home Care Treatment: 10% of sum insured, up to Rs.5 lakhs a policy year","Delivery Expenses (Gold Plan): up to Rs.30,000 per delivery","Coronary stent: as per DPCO / NPPA capping"],"display":"Uterine artery Embolization and HIFU: Rs.1,25,000 at Rs.5,00,000 sum insured; Balloon Sinuplasty: Rs.50,000 at Rs.5,00,000 sum insured; Deep Brain Stimulation: Rs.2,50,000 at Rs.5,00,000 sum insured; Oral Chemotherapy (including pre and post hospitalisation): Rs.1,25,000 at Rs.5,00,000 sum insured; Immunotherapy (monoclonal antibody injection): Rs.2,50,000 at Rs.5,00,000 sum insured; Intra Vitreal injections: Rs.50,000 at Rs.5,00,000 sum insured; Robotic Surgeries: Rs.2,50,000 at Rs.5,00,000 sum insured; Stereotactic Radio Surgeries: Rs.2,00,000 at Rs.5,00,000 sum insured; Home Care Treatment: 10% of sum insured, up to Rs.5 lakhs a policy year; Delivery Expenses (Gold Plan): up to Rs.30,000 per delivery; Coronary stent: as per DPCO / NPPA capping","note":"Modern treatment limits are per treatment per policy period and rise with sum insured (Rs.3,00,000 to Rs.1,00,00,000); figures shown are for Rs.5,00,000, from the prospectus table (the wording table is the same but its columns came through interleaved). Bronchial Thermoplasty, Vaporisation of the Prostate, IONM and Stem Cell therapy limits are in a table whose columns did not come through cleanly (some up to sum insured). Limits are per person (individual) or per policy period (floater). Delivery cover is Gold Plan only.","quote":"Sum Insured ( Rs.) | Uterine artery Embolization and HIFU | Balloon Sinuplasty | Deep Brain Stimulation | Oral Chemotherapy* (Sublimits including Pre and Post Hospitalization) ... 5,00,000/- | 1,25,000/- | 50,000/- | 2,50,000/- | 1,25,000/- ... Sum Insured ( Rs.) | Immunotherapy-Monoclonal Antibody to be given as injection | Intra Vitreal injections | Robotic Surgeries | Stereotactic Radio Surgeries ... 5,00,000/- | 2,50,000/- | 50,000/- | 2,50,000/- | 2,00,000/- ... Payable up to 10% of the Sum Insured subject to maximum of Rs. 5 lakhs in a Policy Year ... up to Rs.30,000/- per delivery ... With regard to coronary stenting, the Company will pay cost of stent as per the Drug Price Control Order (DPCO) / National Pharmaceuticals Pricing Authority (NPPA) Capping.","sources":[{"clause":"4","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-4"},{"clause":"8","heading":"Home Care Treatment: Payable up","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-8"},{"clause":null,"heading":"III. Coverage available only under Gold Plan","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-iii-coverage-available-only-under-gold-plan"},{"clause":"1(iii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-1-iii"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days","note":"The policy wording text has the number missing ('up to | days') in its extracted text; prospectus and CIS print 60 days.","quote":"Pre-Hospitalization Expenses : Medical expenses incurred up to 60 days immediately ... Pre-Hospitalization: Medical Expenses incurred up to 60 days prior to the date of hospitalization","sources":[{"clause":"5","heading":"Pre-Hospitalization Expenses : Medical expenses incurred up to 60 days immediately","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-5"},{"clause":"Row 5","heading":"Policy Coverage (What the Policy covers)","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-row-5"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":90},"display":"90 days","note":null,"quote":"expenses incurred up to 90 days immediately after the Insured person is discharged from the hospital.","sources":[{"clause":"6","heading":"Post-Hospitalization Expenses: Medical","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-6"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All day care treatments are covered up to the sum insured.","display":"All day care treatments, up to sum insured","note":null,"quote":"Medical Expenses incurred in respect of All Day Care Treatments of the Insured Person during the Policy Period up to the Sum Insured","sources":[{"clause":"2","heading":"Day Care Treatment: We will cover the","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Yes, as Home Care Treatment: up to 10% of the sum insured, maximum Rs. 5 lakhs a policy year, for listed conditions only, when a doctor advises treatment at home with daily monitoring.","display":"Home care: 10% of sum insured, max Rs. 5 lakhs a year, listed conditions","note":"Conditions include fever and infectious diseases, UTI needing parenteral antibiotics, IV chemotherapy, palliative cancer care and others; available cashless from network providers.","quote":"Payable up to 10% of the Sum Insured subject to maximum of Rs. 5 lakhs in a Policy Year, for treatment availed by the Insured Person at home, only for the specified conditions mentioned below ... The Medical practitioner advises the Insured Person to undergo treatment at home ... Claim under this benefit forms part of Sum Insured","sources":[{"clause":"8","heading":"Home Care Treatment: Payable up","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-8"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient treatment under Ayurveda, Unani, Siddha and Homeopathy in an AYUSH hospital is paid up to the sum insured.","display":"Up to sum insured","note":"Yoga and Naturopathy claims need prior approval.","quote":"for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the Sum Insured. ... Claims under Yoga and Naturopathy system of treatment will be payable subject to prior approval from the company.","sources":[{"clause":"3","heading":"AYUSH Treatment: Medical expenses","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-3"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered as day care or in-patient, with a limit per treatment per policy period that depends on the sum insured. Automatic restoration does not apply.","display":"Covered with per-procedure limits by sum insured","note":"Covers uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgery, stereotactic radio surgery, bronchial thermoplasty, prostate vaporisation, IONM and stem cell therapy. See disease_sublimits.","quote":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period for ... the following treatment / procedure (either as a day care or as in-patient exceeding 24hrs of admission in the hospital) is limited to the amount mentioned in table below ... This Benefit is not available for Modern Treatment.","sources":[{"clause":"4","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period for","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-4"},{"clause":"10","heading":"Automatic Restoration of Sum Insured","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-10"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-stated","value":null,"display":null,"note":"Organ donor expenses are not mentioned in the documents.","quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance by private ambulance service is paid with an admissible hospitalisation claim: to hospital, between hospitals, and from hospital to home in the same city if certified. No rupee limit is printed.","display":"Road ambulance covered with an admissible claim; no limit printed","note":"Air ambulance not mentioned.","quote":"Road Ambulance: Subject to an admissible hospitalization claim, Road Ambulance expenses incurred for the following are payable ... for transportation of the Insured person by private ambulance service to go to hospital when this is needed for medical reasons","sources":[{"clause":"7","heading":"Road Ambulance: Subject to an","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-7"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Yes, the basic sum insured is restored once by 100% a policy year, immediately on partial or full use; usable for all claims, but no single claim can exceed the Limit of Coverage. Not for modern treatments; unused restoration is not carried forward.","display":"100% once a year, on partial or full use","note":"Additional 25% basic sum insured (max Rs.10,00,000) once a year for road traffic accidents on a two wheeler wearing a helmet.","quote":"There shall be automatic restoration of the Basic Sum Insured once by 100% subject to the following ... The automatic restoration shall be available immediately upon partial/ full utilization of the Limit of Coverage. ... Such Restored Basic Sum Insured can be utilized for all claims during the Policy Period. ... The maximum liability of the Company in a single claim under a Policy Year shall not exceed the Limit of Coverage. ... The unutilized restored Sum Insured cannot be carried forward. ... This Benefit is not available for Modern Treatment.","sources":[{"clause":"10","heading":"Automatic Restoration of Sum Insured","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-10"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"Cumulative bonus of 20% of basic sum insured for each claim-free year, up to 100%. After a claim it is reduced at the same rate at which it accrued.","display":"20% a claim-free year, max 100%","note":null,"quote":"will be eligible for Cumulative Bonus calculated at 20% of Basic Sum Insured for each claim free year subject to a maximum of 100% of the Basic Sum Insured. ... Partial utilization of Basic Sum Insured, such Cumulative Bonus so granted will be reduced at the same rate at which it has accrued.","sources":[{"clause":"9","heading":"Cumulative Bonus: The Insured Person","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-9"},{"clause":null,"heading":"Special Conditions","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-special-conditions"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"cross-checked","value":"Not covered: gloves, masks and similar items are in the list of excluded expenses.","display":"Not covered","note":null,"quote":"Items for which coverage is not available in the policy ... GLOVES ... MASK","sources":[{"clause":null,"heading":"Kindly refer https://cioins.co.in/Ombudsman for future updates","page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-kindly-refer-https-cioins-co-in-ombudsman-for-fu"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Gold Plan only: delivery including caesarean, with pre and post natal expenses, up to Rs.30,000 per delivery, for at most 2 deliveries in the lifetime, after a 36 month waiting period; 24 months waiting applies afresh after a claim. Excluded in the Silver Plan.","display":"Gold Plan: up to Rs.30,000 per delivery after 36 months; Silver: not covered","note":"Both self and spouse must be covered for 36 continuous months under this policy. Does not reduce the sum insured; affects cumulative bonus.","quote":"Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up to Rs.30,000/- per delivery is payable ... This benefit is available only for a maximum of 2 deliveries in the life time under this Policy. ... This Benefit is subject to a waiting period of 36 months from the date of first commencement of Young Star Insurance Policy ... A waiting period of 24 months will apply afresh following a claim under this benefit. ... Coverage available only under Gold Plan ... Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan)","sources":[{"clause":null,"heading":"III. Coverage available only under Gold Plan","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-iii-coverage-available-only-under-gold-plan"},{"clause":"Row 7(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-row-7-i"},{"clause":"Row 7(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-row-7-ii"},{"clause":"Row 7(iii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-row-7-iii"},{"clause":null,"heading":"Scenario – 3","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-scenario-3"},{"clause":"18","heading":"Maternity – Code Excl 18 (Except to the extent covered under Delivery Section – Gold Plan)","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-18"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"A new born baby can be added mid-term on payment of proportionate premium, subject to underwriter's approval; waiting periods apply from inclusion. Children are otherwise covered from 91 days.","display":"Mid-term inclusion on proportionate premium; children from 91 days","note":"Cover for the newborn's own treatment from birth is not stated.","quote":"Midterm Inclusion Facility: Is available on payment of proportionate premium for Newly Wedded spouse, New born baby and Legally adopted child. ... Waiting periods as stated in the policy will be applicable from the date of inclusion of such newly wedded spouse, new born baby, legally adopted child. ... Such midterm inclusion will be subject to underwriter’s approval ... Economically dependent children aged from 91 days to 25 years can be covered","sources":[{"clause":"21","heading":"Special Conditions","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-21"},{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"Mental illness cover is not mentioned in the documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"Free preventive health check-up at network providers once per policy year for each adult insured, after a 30-day initial wait in the first policy; package by sum insured.","display":"Once a policy year per adult","note":"Package A for Rs.3 lakh to 7.5 lakh, Package B for Rs.10 lakh and above (floater not applicable at Rs.3 lakh), per prospectus.","quote":"arrange for a Preventive Health Check-up at Our Network Providers for the applicable package as specified below as per opted Sum Insured ... An initial waiting period of 30 days shall apply from the first inception of Policy. ... Health Check-up can be availed once per Policy Year per Insured Person who is covered as Adult in the Policy ... Utilization of this Health Check-up shall not impact the Sum Insured.","sources":[{"clause":"12","heading":"Preventive Health Check up: We will","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-12"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Only tele-consultations: unlimited tele-consultations with doctors through the Star Health app or digital platforms; specialists outside the network are at the insured's cost.","display":"Tele-consultations only, unlimited","note":"No cover for in-person out-patient consultations, tests or medicines is printed.","quote":"arrange Tele Consultations with qualified Medical Practitioner or Healthcare professional through various modes of communication like audio, video, online portal, chat through Star Health mobile application or digital platforms ... There shall be no maximum limit on the count of Tele-Consultations that can be availed in a Policy Year by each Insured Person. ... the charges for such specialist or a general physician will have to be borne by the Insured Person.","sources":[{"clause":"14","heading":"Unlimited Tele-Consultation: We will arrange Tele Consultations with qualified Medical","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-14"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes, premium depends on zone (Zone A to E by city/state); no zone co-pay.","display":"Yes, zone-wise premium (Zones A to E)","note":"Zone A includes Delhi NCR, Gujarat, Mumbai; Zone E is rest of India. CIS shows co-payment NIL.","quote":"Zone wise premium – Applicable Zone A : Delhi ... Zone E : Rest of India ... Co-payment (It is specified amount / Percentage of the admissible claim amount to be paid by Policyholder / insured) | NIL","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"},{"clause":null,"heading":"Specific Exclusions","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317#c-specific-exclusions"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, at network hospitals; non-network hospitals are paid by reimbursement.","display":"Yes, at network hospitals","note":null,"quote":"Cashless facility can be availed only in networked Hospitals. ... In non-network hospitals payment must be made up-front and then reimbursement will be effected on submission of documents.","sources":[{"clause":null,"heading":"2. Claim Settlement","page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-2-claim-settlement"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Star Health itself: the pre-authorisation form is submitted to the Company, which processes it.","display":"The insurer (Star Health)","note":"The Third-Party Claims clause mentions an authorized TPA among those who may follow up reimbursement claims.","quote":"This form is submitted to the Company ... The Company will process the request and call for additional documents / clarifications if the information furnished is inadequate.","sources":[{"clause":null,"heading":"2. Claim Settlement","page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315#c-2-claim-settlement"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":true,"display":"Yes, up to 5 members","note":"Rs.3,00,000 sum insured not available on floater.","quote":"Proposer plus spouse with 3 economically dependent children in total maximum of 5 can be covered under the Policy on “floater” Sum Insured basis.","sources":[{"clause":null,"heading":"YOUNG STAR INSURANCE POLICY Unique Identification No: SHAHLIP26043V062526","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316#c-young-star-insurance-policy-unique-identificatio"}],"law":[]}],"documents":[{"kind":"wording","label":"Young Star Insurance Policy SHAHLIP26043V062526","pages":39,"fetched_at":"2026-10-19 16:10:21.031481+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Young_Star_Insurance_Policy_V_12_59f47a25f5.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/315"},{"kind":"wording","label":"Young Star Insurance Policy (IRDAI copy)","pages":25,"fetched_at":"2026-10-20 02:35:17+00","source_url":"https://irdai.gov.in/documents/37343/931203/SHAHLIP21024V022021_2020-2021.pdf/c8fed3fe-5f52-5ffc-b0e6-c3cd65871337?version=1.1&t=1668591479993&download=true","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/28845"},{"kind":"prospectus","label":"Young Star Insurance Policy","pages":55,"fetched_at":"2026-10-19 16:10:21.031481+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Prospectus_Young_Star_Insurance_Policy_V_8_f21b6037ff.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/316"},{"kind":"cis","label":"Young Star Insurance Policy","pages":14,"fetched_at":"2026-10-19 16:10:21.031481+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_Young_Star_Insurance_Policy_V_2_090b7cbb41.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/317"},{"kind":"brochure","label":"Young Star Insurance Policy","pages":9,"fetched_at":"2026-10-20 01:53:08+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Brochure_Young_Star_Insurance_Policy_V_9_Web_782fb9d5a9.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526/document/31288"}],"versions":[{"uin":"SHAHLIP21024V022021","version":null,"approved_on":null},{"uin":"SHAHLIP26043V062526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Star Health & Allied Insurance official website","url":"https://www.starhealth.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim process","url":"https://www.starhealth.in/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.starhealth.in/grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Instant renewal","url":"https://customer.starhealth.in/customerportal/instant-renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Young Star Insurance Policy (UIN SHAHLIP26043V062526), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/young-star-insurance-policy-shahlip26043v062526"}