{"uin":"SHAHLIP26044V092526","name":"Star Comprehensive Insurance Policy","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526","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":null,"kind":"product","status":"active","approved_on":"2014-02-26","withdrawn_on":null,"summary":"Star Comprehensive Insurance Policy is a Star Health indemnity plan for individuals or families on a floater basis, with Sum Insured from Rs.5,00,000 to Rs.1,00,00,000, a Private Single A/C room, 60 days pre and 90 days post hospitalisation, 100% restoration once a Policy Period and a Cumulative Bonus up to 100%. It also pays delivery and new born costs after 24 months, out-patient consultations, dental and eye care, hospital cash and accidental death cover, with a 36-month pre-existing disease wait and 10% co-payment for entry at 61 or above.","analysis":{"state":"extracted","analysed_at":"2026-10-19 16:40:22.716389+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":"not-stated","value":null,"display":null,"note":"No named plans. The product is sold on an individual or a floater Sum Insured basis, which is a cover type, not a plan.","quote":null,"sources":[],"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":"One, two or three years.","display":"1, 2 or 3 years","note":"Long-term premium can be paid upfront; 10% discount on the 2nd year and 12.5% on the 3rd year premium, not available in instalment mode (prospectus).","quote":"Policy Term: 1 Year / 2 Years / 3 Years. ... the premium for such policies can be paid upfront as a single payment. Long Term Discount: 10% discount is available on 2nd year premium 12.5% discount is available on 3rd year premium ... Long term discount will not be available, if premium is paid in instalment mode.","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-eligibility"}],"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":"Within 24 hours of an emergency hospitalisation; at least 48 hours before a planned hospitalisation.","display":"Emergency: within 24 hours; planned: at least 48 hours before","note":"Reimbursement claims must be filed within 15 days of discharge; post-hospitalisation claims within 15 days after the 90 days. The insurer may relax the time limits on merits. Wording table is garbled, so the prospectus text is quoted (same words).","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. ... Claim must be filed within 15 days from the date of discharge from the Hospital ... Within 15 days after completion of 90 days from the date of discharge from hospital","sources":[{"clause":"Excl03(j)","heading":null,"page":36,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-j"}],"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","NEFT documents (bank account details)","CKYC No. of the proposer (if available)"],"display":"Claim form, original hospital papers, discharge summary, bills and receipts, doctor's certificate, PAN, Aadhaar, KYC and bank details","note":"Accidental death claims also need death certificate, post-mortem report, FIR, legal heir certificate and others; PTD claims need a Government doctor's certificate. The insurer may call for more documents. Prospectus list quoted (the wording's list is garbled in a two-column layout).","quote":"a) Duly completed claim form ... b) Pre Admission investigations and treatment papers in original ... c) Discharge Summary in original from the hospital ... d) Cash receipts in original from hospital, chemists ... e) Cash receipts and reports for tests done in original ... f) Receipts from doctors, surgeons, anesthetist in original ... g) Certificate from the attending doctor regarding the diagnosis ... h) Copy of PAN card ... i) Copy of Aadhaar Card ... j) Any other document specific to the treatment / illness ... k) Prescriptions and receipt for Pre and Post-Hospitalization expenses ... l) KYC (Identity proof with Address) of the proposer, as per AML Guidelines ... m) NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code ... n) CKYC No. of the proposer (if available)","sources":[{"clause":"Excl03(a)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-a-2"},{"clause":"Excl03(b)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-b-2"},{"clause":"Excl03(c)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-c-2"},{"clause":"Excl03(d)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-d-2"},{"clause":"Excl03(e)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-e-2"},{"clause":"Excl03(f)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-f-2"},{"clause":"Excl03(g)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-g-2"},{"clause":"Excl03(h)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-h-2"},{"clause":"Excl03(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-i-3"},{"clause":"Excl03(j)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-j-2"},{"clause":"Excl03(k)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-k"},{"clause":"Excl03(l)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-l"},{"clause":"Excl03(m)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-m"},{"clause":"Excl03(n)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-n"}],"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 of receiving all necessary documents. No time is printed for paying reimbursement claims.","display":"Cashless: pre-authorisation within 1 hr, final bill within 3 hrs of all documents","note":"From the CIS; the policy wording gives no settlement time.","quote":"TAT for preauthorization of cashless facility: Within 1 hr from the time of receipt of all necessary relevant documents. ... TAT for cashless final bill authorization: Within 3 hrs from the time of receipt of all necessary relevant documents","sources":[{"clause":"Excl09(d)(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/339#c-excl09-d-i"},{"clause":"Excl09(d)(ii)","heading":"TAT for cashless final bill authorization","page":15,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/339#c-excl09-d-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 36 months of continuous coverage","Listed conditions, surgeries and treatments until 24 months of continuous coverage, except accidents","Any illness within 30 days from the first policy commencement date, except accidents","Admission primarily for diagnostics and evaluation","Surgical treatment of obesity that does not fulfil the stated conditions","Cosmetic or plastic surgery, unless for reconstruction after an accident, burns or cancer","Treatment due to participation as a professional in hazardous or adventure sports","Treatment for alcoholism, drug or substance abuse or any addictive condition","Correction of eye sight for refractive error less than 7.5 diopters","Unproven treatments","Sterility and infertility, including contraception, IVF and surrogacy","Maternity, except ectopic pregnancy and to the extent covered under the Delivery and New Born section","Dental treatment unless due to accidental injury and requiring hospitalization; dental implants","Cochlear implants, hearing aids, walkers, wheel chairs, CPAP, BIPAP and similar aids","Other excluded expenses as detailed on the website www.starhealth.in"],"display":"Pre-existing diseases (36 months), listed conditions (24 months), first 30 days, plus standard and product exclusions","note":"The 36-month pre-existing disease wait can be cut to 12 months with the optional buy-back cover. Full list of permanent exclusions under permanent_exclusions. The accidental death and disablement section has its own exclusions (Code Sec10 Excl 01 to 15).","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage ... Expenses related to the treatment of the listed Conditions, surgeries/ treatments shall be excluded until the expiry of 24 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 ... 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 ... 12. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof – Code Excl 12 ... Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters. ... Unproven Treatments – Code Excl 16: Expenses related to any unproven treatment ... Expenses related to sterility and infertility. This includes; ... a) Any type of contraception, sterilization ... such as IVF, ZIFT, GIFT, ICSI ... c) Gestational Surrogacy ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean Sections incurred during hospitalization) except ectopic pregnancy and to the extent covered under Section 14 ... Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization (Dental implants are not payable) ... Cochlear implants and procedure related hospitalization expenses. Cost of spectacles and contact lens (in excess of what is specifically provided), hearing aids, walkers and crutches, wheel chairs, CPAP, BIPAP ... Other Excluded Expenses as detailed in the website www.starhealth.in","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code Excl 01","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl01-2"},{"clause":null,"heading":"2. Specified disease/procedure waiting","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-2-specified-disease-procedure-waiting"},{"clause":null,"heading":"3. 30-day waiting period – Code Excl 03","page":32,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-3-30-day-waiting-period-code-excl-03"},{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl04"},{"clause":null,"heading":"6. Obesity/ Weight Control – Code Excl","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-6-obesity-weight-control-code-excl"},{"clause":"Excl09","heading":"Expenses related to","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl09"},{"clause":null,"heading":"Table of Contents","page":32,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-table-of-contents-2"},{"clause":"Excl15","heading":"Refractive Error – Code Excl 15: Expenses related to the treatment for correction of eye","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl17"},{"clause":"Excl18(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl18-a"},{"clause":"30","heading":"Dental treatment or surgery unless necessitated due to accidental injuries and requiring","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-30"},{"clause":"32","heading":null,"page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-32"},{"clause":"34","heading":"Other Excluded Expenses as detailed in the website www.starhealth.in – Code Excl 37","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-34"}],"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's grievance cell (website, gro@starhealth.in or grievances@starhealth.in, phone or toll-free line, or any branch); if not satisfied, the grievance officer; then the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Star Health grievance cell (gro@starhealth.in), then grievance officer, then Insurance Ombudsman","note":"Phone 044-69006900; senior citizens 044-69007500; post to Grievance Redressal Officer, Balaji Complex, Whites Lane, Royapettah, Chennai 600014.","quote":"Incase of any grievance the Insured Person may contact the Company through ... E-mail | : gro@starhealth.in, ... grievances@starhealth.in ... Toll 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. If lnsured person is not satisfied with the redressal of grievance through one of the above methods, 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 for redressal of grievance ... Grievance may also be lodged at IRDAI lntegrated Grievance Management System","sources":[{"clause":null,"heading":"13. Possibility of Revision of Terms of the","page":42,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-13-possibility-of-revision-of-terms-of-the"},{"clause":null,"heading":"Courier/ Post : Star Health and Allied","page":43,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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; 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; Rs.1,00,00,000.","display":"Rs.5,00,000 to Rs.1,00,00,000 (9 options)","note":"Individual or floater basis.","quote":"Sum Insured Options:\nRs.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 ; Rs.1,00,00,000","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-eligibility"}],"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":"Accidents are covered from day one; does not apply with continuous coverage of more than twelve months; applies again to an enhanced Sum Insured.","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, provided the same are covered B. This exclusion shall not, however, apply if the Insured Person has Continuous Coverage for more than twelve months ... C. The within referred waiting period is made applicable to the enhanced Sum Insured in the event of granting higher Sum Insured subsequently","sources":[{"clause":null,"heading":"3. 30-day waiting period – Code Excl 03","page":32,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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":36},"display":"36 months","note":"12 months with the optional Buy Back of Pre-Existing Disease Waiting Period (extra premium, first purchase only).","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... the Insured Person has the option to opt for reduction of waiting period in respect of Pre-Existing Diseases from 36 months to 12 months","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases – Code Excl 01","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl01-2"},{"clause":"25","heading":"Optional Cover (Buy Back of Pre-Existing","page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-25"}],"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":24},"display":"24 months","note":"Not for accidents. Delivery and New Born cover has its own 24-month waiting period; Bariatric Surgery 36 months.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/ treatments shall be excluded until the expiry of 24 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. ... Benefit under this Section is subject to a waiting period of 24 months ... This benefit is subject to a waiting period of 36 months from the date of first commencement of this policy","sources":[{"clause":null,"heading":"2. Specified disease/procedure waiting","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-2-specified-disease-procedure-waiting"},{"clause":"14(i)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-14-i"},{"clause":"15","heading":"Bariatric Surgery: Expenses incurred on hospitalization for bariatric surgical procedure","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-15"}],"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":["Cataract and diseases of the anterior and posterior chamber of the Eye","Diseases of ENT","Diseases related to Thyroid","Benign diseases of the breast","Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Lipoma, Neurofibroma, Fibroadenoma, Ganglion and similar pathology","Carpal Tunnel Syndrome, Trigger Finger","Diseases related to Tendon, Ligament, Fascia, Bones and Joint including Arthroscopy and Arthroplasty / Joint Replacement (other than caused by accident)","Degenerative disc and Vertebral diseases, Degenerative diseases of the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than caused by accident)","Hepato-pancreato-biliary diseases including Gall bladder and Pancreatic calculi","Kidney calculi and Genitourinary tract calculi","All types of Hernia","Desmoid Tumor, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula","Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases","All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies","Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele","Fistula, Fissure in Ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence","Varicose veins and Varicose ulcers","All types of transplant and related surgeries","Congenital Internal disease / defect"],"display":"Cataract, ENT, thyroid, hernia, joint replacement, spine, gall bladder and kidney stones, uterus and prostate diseases, piles, varicose veins, transplants and others","note":"Prospectus list quoted because the wording list has broken table cells; the prospectus adds '(other than due to Cancer)' after Ovaries, the wording does not.","quote":"i) Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye, Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast. ... ii) Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma, Neurofibroma, Fibroadenoma, Ganglion and similar pathology. ... iii) All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to Tendon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident]. ... iv) All types of treatment for Degenerative disc and Vertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than caused by accident), ... v) All treatments (conservative, interventional, laparoscopic and open) related to Hepato-pancreato-biliary diseases including Gall bladder and Pancreatic calculi. All types of management for Kidney calculi and Genitourinary tract calculi. ... vi) All types of Hernia, ... vii) Desmoid Tumor, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula, ... viii) All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries(other than due to Cancer), Uterine Bleeding, Pelvic Inflammatory Diseases. ... ix) All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies, ... x) Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele, ... xi) Fistula, Fissure in Ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence. ... xii) Varicose veins and Varicose ulcers. ... xiii) All types of transplant and related surgeries. ... xiv) Congenital Internal disease / defect (except to the extent provided under Section 14 for New Born).","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period – Code Excl 02","page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl02-2"}],"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 enhancement, on the enhanced limit only.","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. ... Wherever, the Sum Insured is enhanced, completion of sixty continuous months would be applicable from the date of enhancement of Sums Insured only on the enhanced limits.","sources":[{"clause":"Excl31(I)(b)(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-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 with all family members can be ported to another insurer, applying at least 30 days but not earlier than 60 days before renewal, with credit for Sum Insured, No Claim Bonus, specific and PED waiting periods and moratorium.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credits transfer","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.","sources":[{"clause":"Excl31(I)(b)(i)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-b-i"},{"clause":"Excl31(I)(b)(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-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":"not-stated","value":null,"display":null,"note":"The documents say: '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.' They print no maximum renewal age but never say renewal is lifelong or without an age limit; the premium chart has an 'Above 75' age band.","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 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 clause on raising the premium because of claims. The prospectus offers a Favourable Claim Experience Discount at renewal that is lost when claims exceed the stated amount; medical underwriting loading applies from the start of the policy.","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 (Excl 04)","Rest Cure, rehabilitation and respite care (Excl 05)","Obesity / weight control: surgical treatment of obesity that does not fulfil the stated conditions (Excl 06)","Change-of-Gender treatments (Excl 07)","Cosmetic or plastic Surgery (Excl 08)","Hazardous or Adventure sports, as a professional (Excl 09)","Breach of law (Excl 10)","Excluded Providers (Excl 11)","Treatment for Alcoholism, drug or substance abuse or any addictive condition (Excl 12)","Treatments in health hydros, nature cure clinics, spas or similar establishments (Excl 13)","Dietary supplements and substances that can be purchased without prescription (Excl 14)","Refractive error less than 7.5 diopters (Excl 15)","Unproven Treatments (Excl 16)","Sterility and Infertility (Excl 17)","Maternity, except ectopic pregnancy and to the extent covered under Section 14; miscarriage (unless due to an accident) and medical termination of pregnancy (Excl 18)","Circumcision (unless necessary for treatment of a disease or due to an accident), Preputioplasty, Frenuloplasty, Preputial Dilatation and Removal of SMEGMA (Excl 19)","Congenital External Condition / Defects / Anomalies, except for the New Born cover (Excl 20)","Convalescence, general debility, run-down condition, Nutritional deficiency states (Excl 21)","Intentional self injury (Excl 22)","War, invasion, act of foreign enemy, warlike operations (Excl 24)","Injury or disease caused by nuclear weapons / materials (Excl 25)","Enhanced External Counter Pulsation Therapy, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy (Excl 26)","Unconventional, Untested, Experimental therapies (Excl 27)","Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Platelet Rich plasma and Intra articular injection therapy (Excl 28)","Biologicals, except when administered as an in-patient when clinically indicated and hospitalization warranted (Excl 29)","Inoculation or Vaccination, except post-bite and therapeutic treatment (Excl 31)","Dental treatment or surgery unless due to accidental injuries and requiring hospitalization; dental implants (except under Section 17) (Excl 32)","Hospital registration, admission, record, telephone and such other charges (Excl 34)","Cochlear implants; spectacles and contact lens beyond the cover; hearing aids, walkers, crutches, wheel chairs, CPAP, BIPAP, CAPD, infusion pump and similar aids (Excl 35)","Hospitalization which is not Medically Necessary (Excl 36)","Other Excluded Expenses as detailed in the website www.starhealth.in (Excl 37)","Existing diseases disclosed and listed in the policy schedule under Permanent Exclusion, with the insured's consent (Excl 38)"],"display":"Standard exclusions Excl 04 to Excl 18 plus the product's specific exclusions Excl 19 to Excl 38","note":"Quoted from the prospectus; the policy wording (III A) prints the same list in a two-column layout and heads Excl 19 onward 'Specific Exclusions'. Codes Excl 23, 30 and 33 are not used. The accidental death and disablement section (II.23) has its own exclusions (Code Sec10 Excl 01 to 15), including pre-existing conditions and air travel other than as a fare-paying passenger.","quote":"Investigation & Evaluation – Code Excl 04 ... Rest Cure, rehabilitation and respite care – Code Excl 05 ... Obesity/ Weight Control – Code Excl 06: Expenses related to the surgical treatment of obesity that does not fulfil all the below conditions ... 7. Change-of-Gender treatments – Code Excl 07 ... 8. Cosmetic or plastic Surgery – Code Excl 08 ... 9. Hazardous or Adventure sports – Code Excl 09: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... 10. Breach of law – Code Excl 10 ... 11. Excluded Providers – Code Excl 11 ... 12. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof – Code Excl 12 ... 13. Treatments received in health hydros, nature cure clinics, spas or similar establishments ... 14. Dietary supplements and substances that can be purchased without prescription ... Refractive Error – Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 diopters. ... Unproven Treatments – Code Excl 16 ... Sterility and Infertility – Code Excl 17 ... Maternity – Code Excl 18 ... except ectopic pregnancy and to the extent covered under Section 14 ... b) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy ... 19. Circumcision (unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident), Preputioplasty, Frenuloplasty, Preputial Dilatation and Removal of SMEGMA – Code Excl 19 ... 20. Congenital External Condition / Defects / Anomalies (except to the extent provided under Section 14 for New Born) – Code Excl 20 ... 21. Convalescence, general debility, run-down condition, Nutritional deficiency states – ... Intentional self injury - Code Excl 22 ... 23. Injury/disease caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) – Code Excl 24 ... Injury or disease caused by or contributed to by nuclear weapons/ materials – Code Excl 25 ... Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy, Rotational Field Quantum Magnetic Resonance Therapy, VAX-D, Low level laser therapy, Photodynamic therapy – Code Excl 26 ... Unconventional, Untested, Experimental therapies – Code Excl 27 ... Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures using Platelet Rich plasma and Intra articular injection therapy – Code Excl 28 ... Biologicals, except when administered as an in-patient, when clinically indicated and hospitalization warranted – Code Excl 29 ... Inoculation or Vaccination (except for post–bite treatment and for medical treatment for therapeutic reasons) – Code Excl 31 ... Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization (Dental implants are not payable) (except to the extent covered under Section 17) - Code Excl 32 ... Hospital registration charges, admission charges, record charges, telephone charges and such other charges – Code Excl 34 ... Cochlear implants and procedure related hospitalization expenses. Cost of spectacles and contact lens (in excess of what is specifically provided), hearing aids, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids – Code Excl 35 ... Any hospitalization which are not Medically Necessary / does not warrant Hospitalization – Code Excl 36 ... Other Excluded Expenses as detailed in the website www.starhealth.in – Code Excl 37 ... Existing disease/s, disclosed by the insured and mentioned in the policy schedule under Permanent Exclusion (based on insured’s consent) – Code Excl 38 ... S P E C I F I C E X C L U S I O N S","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – Code Excl 05: Expenses related to any","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control – Code Excl 06: Expenses related to the surgical treatment of","page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl06"},{"clause":null,"heading":"Table of Contents","page":32,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-table-of-contents-2"},{"clause":"Excl15","heading":"Refractive Error – Code Excl 15: Expenses related to the treatment for correction of eye","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl17"},{"clause":"Excl18","heading":"Maternity – Code Excl 18","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl18"},{"clause":"Excl18(a)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl18-a"},{"clause":"Excl18(b)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl18-b"},{"clause":"Excl21","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl21"},{"clause":"Excl22","heading":"Intentional self injury - Code Excl 22","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl22"},{"clause":"Excl25","heading":"Injury or disease caused by or contributed to by nuclear weapons/ materials – Code Excl 25","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl25"},{"clause":"25","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-25"},{"clause":"26","heading":"Unconventional, Untested, Experimental therapies – Code Excl 27","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-26"},{"clause":"27","heading":"Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-27"},{"clause":"28","heading":"Biologicals, except when administered as an in-patient, when clinically indicated and","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-28"},{"clause":"29","heading":"Inoculation or Vaccination (except for post–bite treatment and for medical treatment","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-29"},{"clause":"30","heading":"Dental treatment or surgery unless necessitated due to accidental injuries and requiring","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-30"},{"clause":"31","heading":"Hospital registration charges, admission charges, record charges, telephone charges","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-31"},{"clause":"32","heading":null,"page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-32"},{"clause":"33","heading":"Any hospitalization which are not Medically Necessary / does not warrant Hospitalization","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-33"},{"clause":"34","heading":"Other Excluded Expenses as detailed in the website www.starhealth.in – Code Excl 37","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-34"},{"clause":"35","heading":"Existing disease/s, disclosed by the insured and mentioned in the policy schedule under","page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-35"},{"clause":"Excl12","heading":null,"page":34,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl12"}],"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":"You may cancel any time with 7 days' written notice. For a policy of up to one year, proportionate premium for the unexpired period is refunded if no claim was made. For longer policies, premium is refunded for policy years whose cover has not started.","display":"Proportionate refund if no claim (1-year policy); unstarted years refunded on long-term policies","note":"No refund is described for a one-year policy with a claim. Long-term refunds are adjusted for the long term discount.","quote":"The Policy Holder may cancel his policy any time during the term by giving 7 days written notice. ... a) refund proportionate premium for unexpired Policy Period, if Policy Term upto one year and there is no claim ... 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. ... Incase of long term policies the refund will be given after adjusting the long term discount availed by the insured/ policyholder.","sources":[{"clause":null,"heading":"6. Cancellation","page":40,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-6-cancellation"},{"clause":"Excl31(I)(a)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-a"},{"clause":"Excl31(I)(b)","heading":null,"page":40,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-b"}],"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. The accidental death and disablement section covers worldwide.","display":"India only","note":"Worldwide applies only to Section II.23 (Accidental Death and Permanent Total Disablement).","quote":"Territorial Limit: All treatments under this policy shall have to be taken in India. ... xi. Geographical Scope: The cover under this Section applies World Wide.","sources":[{"clause":"Excl31(I)(b)","heading":null,"page":44,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-b-2"},{"clause":"23(b)","heading":null,"page":19,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-23-b-2"}],"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.","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 ... 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":42,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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; 30 days for quarterly, half-yearly and yearly.","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.","sources":[{"clause":"Excl31(I)(b)(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-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 18 to 65 years; dependent children 91 days to 25 years.","display":"Adults 18 to 65 years; children 91 days to 25 years","note":"Newly wedded spouse, new born baby and legally adopted child can be added mid-term on proportionate premium.","quote":"i. For Adults – 18years – 65 years ... ii. For Dependent Child - 91 days – 25 years","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-eligibility"}],"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":["Yearly","Half Yearly","Quarterly","Monthly","Single upfront payment for policies of more than one year"],"display":"Yearly, half-yearly, quarterly or monthly","note":"Instalment loading: monthly 4%, quarterly 3%, half-yearly 2%, yearly 0%.","quote":"Premium can be paid Monthly, Quarterly, Half-yearly and Yearly. ... For policies more than one year, the Basic Sum Insured is for each year, without any carry over benefit thereof and the premium for such policies can be paid upfront as a single payment ... i. Monthly: 4% | ii. Quarterly: 3% iii. Half Yearly: 2% iv. Yearly: 0%","sources":[{"clause":null,"heading":"Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-eligibility"}],"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":["Buy Back of Pre-Existing Disease Waiting Period (36 to 12 months)","Star Extra Protect add-on cover (UIN SHAHLIA23061V012223)","Star Flexi add-on (UIN SHAHLIA26040V012526)"],"display":"Pre-existing disease waiting period buy-back; add-ons Star Extra Protect and Star Flexi","note":"The buy-back is for the first purchase only, not renewals or ported policies. Star Extra Protect and Star Flexi are separate add-on products (prospectus).","quote":"Optional Cover (Buy Back of Pre-Existing ... On payment of additional premium the Insured Person has the option to opt for reduction of waiting period in respect of Pre-Existing Diseases from 36 months to 12 months. ... Star Extra Protect – Add on cover| UIN: SHAHLIA23061V012223 ... Star Flexi | UIN: SHAHLIA26040V012526","sources":[{"clause":"25","heading":"Optional Cover (Buy Back of Pre-Existing","page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-25"},{"clause":"Excl02","heading":"Specified disease / procedure waiting period - Code Excl 02","page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl02"}],"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, though continuity is kept if renewed in it; cover continues in the grace period when premium is paid in instalments.","display":"No (renewal); yes 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":"Excl31(I)(b)(ii)","heading":null,"page":41,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-b-ii"},{"clause":"Excl31(I)(b)(viii)","heading":null,"page":42,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-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":"Private Single A/C room; no rupee limit is printed.","display":"Private Single A/C room","note":"A costlier room leads to proportionate deduction of associated expenses.","quote":"i) Room (Private Single A/C room), Boarding and Nursing Expenses as provided by the Hospital / Nursing Home. ... Any hospitalization expenses arising under this Policy, 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.","sources":[{"clause":"1(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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":"Private Single A/C room: the most economical single occupancy air-conditioned room in the hospital, not a deluxe room or suite.","display":"Private Single A/C room","note":null,"quote":"i) Room (Private Single A/C room), Boarding and Nursing Expenses ... Private Single A/C Room means a single occupancy airconditioned room with attached wash 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":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-1-i"},{"clause":null,"heading":"STAR COMPREHENSIVE INSURANCE POLICY Unique Identification No: SHAHLIP26044V092526","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-star-comprehensive-insurance-policy-unique-ident"}],"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":"ICU charges are covered within the in-patient benefit up to the Sum Insured; no separate ICU limit is printed.","display":"Up to the Sum Insured","note":"ICU charges are not subject to proportionate deduction.","quote":"up to the Sum Insured specified in the Policy Schedule against this In-Patient treatment: ... operation theatre charges, ICU charges ... does not include cost of pharmacy and consumables, cost of implants and medical devices and cost of diagnostics, ICU charges and hence proportionate deduction will not be applicable on these items","sources":[{"clause":"1","heading":"In-patient Treatment: We will cover the","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-1"},{"clause":"1(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-1-iii"},{"clause":null,"heading":"STAR COMPREHENSIVE INSURANCE POLICY Unique Identification No: SHAHLIP26044V092526","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-star-comprehensive-insurance-policy-unique-ident"}],"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 the room exceeds the allowed category, associated medical expenses (nursing, operation theatre, doctors' fees) are paid in proportion; pharmacy, consumables, implants, diagnostics and ICU charges are not reduced.","display":"Yes, on associated medical expenses","note":null,"quote":"Any hospitalization expenses arising under this Policy, 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. ... Associated Medical Expenses means expenses that shall include the applicable nursing charges, Operation theatre charges, Professional fees of Medical Practitioner including Surgeon/ anesthetist / Physician/Specialist of the Hospital where the Insured Person has been admitted and treated and hence Proportionate deduction will be applicable on these items. ... “Associated Medical Expenses” does not include cost of pharmacy and consumables, cost of implants and medical devices and cost of diagnostics, ICU charges and hence proportionate deduction will not be applicable on these items.","sources":[{"clause":"1(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-1-i"},{"clause":null,"heading":"STAR COMPREHENSIVE INSURANCE POLICY Unique Identification No: SHAHLIP26044V092526","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-star-comprehensive-insurance-policy-unique-ident"}],"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":"10% of each claim for insured persons who enter the policy at age 61 or above; not for those who joined before 61 and renew without a break.","display":"10% if entry age is 61 or above","note":"Applies to the hospitalisation and related sections (II.1 to II.11, II.15, II.25), not to the out-patient, check-up, hospital cash or accident sections.","quote":"This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for Insured Persons whose age at the time of entry is 61 years and above. This co-payment will not apply for those insured persons who have entered the policy before attaining 61 years of age and renew the policy continuously without any break. This co-payment is applicable for Sections II.1, II.2, II.3, II.4, II.5, II.6, II.7, II.8, II.9, II.10, II.11, II.15 and II.25.","sources":[{"clause":"Excl31(I)","heading":"Co-payment","page":39,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-i-2"}],"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.","display":"None","note":"From the CIS. Hospital Cash Benefit has an excess of the first 24 hours of each hospitalisation.","quote":"iii) Deductible (It is a specifei d 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 specifei d amount) | NIL ... This benefit is subject to an excess of first 24 hours of Hospitalization for each and every claim.","sources":[{"clause":"Excl09(xiv)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/339#c-excl09-xiv"},{"clause":"22","heading":"Hospital Cash Benefit","page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-22"}],"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 (Sum Insured 5,00,000) to Rs. 3,00,000 (Sum Insured 1,00,00,000)","Balloon Sinuplasty: Rs. 50,000 to Rs. 2,00,000","Deep Brain Stimulation: Rs. 2,50,000 to Rs. 7,50,000","Oral Chemotherapy: Rs. 1,25,000 to Rs. 6,00,000, including pre and post hospitalisation","Immunotherapy (Monoclonal Antibody injection): Rs. 2,50,000 to Rs. 10,00,000","Intra Vitreal injections: Rs. 50,000 to Rs. 2,00,000","Robotic surgeries: Rs. 2,50,000 to Rs. 7,50,000","Stereotactic radio surgeries: Rs. 2,00,000 to Rs. 4,00,000","Stem cell therapy for bone marrow transplant: Rs. 2,50,000 to Rs. 10,00,000","Bronchial Thermoplasty, Vaporisation of the prostate, IONM: up to the Sum Insured","Home Care Treatment: 10% of the Sum Insured, maximum Rs. 5 lakhs a Policy Year","Bariatric surgery: Rs. 2,50,000 (Sum Insured 5,00,000 to 15,00,000) or Rs. 5,00,000 (above 15,00,000), including pre and post hospitalisation"],"display":"Modern treatments capped by Sum Insured (e.g. robotic surgery Rs. 2,50,000 to 7,50,000); bariatric surgery and home care limits","note":"Modern treatment limits are per person per Policy Period (individual) or per Policy Period (floater), for each treatment; intermediate Sum Insured rows have intermediate limits. Delivery and new born limits are under maternity and newborn; air ambulance is capped at Rs.2,50,000 per hospitalisation and Rs.5,00,000 per Policy Period. No sub-limit on cataract is printed.","quote":"The expenses payable during the entire Policy Period for the following treatment / procedure (either as a day care or as an in-patient exceeding 24hrs of admission in the hospital) is limited to the amount mentioned in table below; ... Sum Insured (Rs.) | Uterine artery Embolization and HIFU | Balloon Sinuplasty | Deep Brain Stimulation | Oral Chemotherapy* (Sublimits including Pre and Post Hospitalization) | Immunotheraphy- Monoclonal Antibody to be given as injection | Intra Vitreal injections ... Sum Insured on Individual Basis: Limit per person, per Policy Period for each treatment / procedure Sum Insured on Floater Basis: Limit per Policy Period for each treatment / procedure ... 5,00,000/- | 1,25,000/- | 50,000/- | 2,50,000/- | 1,25,000/- | 2,50,000/- | 50,000/- ... 1,00,00,000/- | 3,00,000/- | 2,00,000/- | 7,50,000/- | 6,00,000/- | 10,00,000/- | 2,00,000/- ... Sum Insured (Rs.) | Robotic surgeries | Stereotactic radio surgeries | Bronchical Thermoplasty | Vaporisation of the prostate (Green laser treatment or holmium laser treatment) | IONM-(Intra Operative Neuro Monitoring) | Stem cell theraphy: Hematopoietic stem cells for bone marrow transplant for haematological condition ... 5,00,000/- | 2,50,000/- | 2,00,000/- | Up to Sum Insured | 2,50,000/- ... 1,00,00,000/- | 7,50,000/- | 4,00,000/- | 10,00,000/- ... to 10% of the Sum Insured subject to maximum of Rs. 5 lakhs in a Policy Year ... This maximum limit of Rs.2,50,000/- and Rs.5,00,000/- are inclusive of pre-hospitalization and post-hospitalization expenses. ... 5,00,000/- to 15,00,000/- | 2,50,000/- ... Above 15,00,000/- | 5,00,000/-","sources":[{"clause":"4","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-4"},{"clause":"10","heading":"Home Care Treatment: Payable up","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-10"},{"clause":"15","heading":"Bariatric Surgery: Expenses incurred on hospitalization for bariatric surgical procedure","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-15"}],"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":null,"quote":"expenses incurred for a period not exceeding 60 days prior to the date of hospitalization are payable subject to an admissible hospitalization claim.","sources":[{"clause":"5","heading":"Pre-Hospitalization Expenses: Medical","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-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 for a period up to 90 days from the date of discharge from the hospital wherever recommended by the Medical Practitioner / Hospital","sources":[{"clause":"6","heading":"Post-Hospitalization Expenses: Medical","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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","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":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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, for treatment at home (including AYUSH) for more than three days when the patient cannot be moved or no hospital room is available; asthma, bronchitis, diabetes, hypertension, psychiatric disorders and other listed conditions are not covered. Separately, Home Care Treatment for listed conditions pays up to 10% of Sum Insured, maximum Rs. 5 lakhs a year.","display":"Yes, for more than three days, with listed exclusions; plus Home Care Treatment","note":"Home Care Treatment can be taken cashless from network providers.","quote":"for medical treatment (including AYUSH) for a period exceeding three days ... The condition of the patient is such that he/she is not in a condition to be removed to a Hospital, or The patient takes treatment at home on account of non-availability of room in a hospital. However, this benefit shall not cover Asthma, Bronchitis ... Diabetes Mellitus and Insipidus, Epilepsy, Hypertension ... all Psychiatric or Psychosomatic Disorders ... 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","sources":[{"clause":"11","heading":"Domiciliary Hospitalization: Coverage","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-11"},{"clause":"10","heading":"Home Care Treatment: Payable up","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-10"}],"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":"Covered for in-patient treatment in an AYUSH Hospital up to the Sum Insured; Yoga and Naturopathy claims need prior approval.","display":"Up to the Sum Insured","note":null,"quote":"for Inpatient Hospitalization incurred on treatment under Ayurveda, Yoga and Naturopathy, 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":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#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, each capped per Policy Period by Sum Insured: e.g. robotic surgeries Rs. 2,50,000 to 7,50,000, immunotherapy Rs. 2,50,000 to 10,00,000, oral chemotherapy Rs. 1,25,000 to 6,00,000; bronchial thermoplasty, prostate vaporisation and IONM up to the Sum Insured.","display":"Covered with sub-limits by Sum Insured","note":"Full table under disease_sublimits.","quote":"for the following treatment / procedure (either as a day care or as an in-patient exceeding 24hrs of admission in the hospital) is limited to the amount mentioned in table below; ... Sum Insured (Rs.) | Uterine artery Embolization and HIFU | Balloon Sinuplasty | Deep Brain Stimulation | Oral Chemotherapy* (Sublimits including Pre and Post Hospitalization) | Immunotheraphy- Monoclonal Antibody to be given as injection | Intra Vitreal injections ... 5,00,000/- | 1,25,000/- | 50,000/- | 2,50,000/- | 1,25,000/- | 2,50,000/- | 50,000/- ... 1,00,00,000/- | 3,00,000/- | 2,00,000/- | 7,50,000/- | 6,00,000/- | 10,00,000/- | 2,00,000/- ... Sum Insured (Rs.) | Robotic surgeries | Stereotactic radio surgeries | Bronchical Thermoplasty | Vaporisation of the prostate (Green laser treatment or holmium laser treatment) | IONM-(Intra Operative Neuro Monitoring) | Stem cell theraphy: Hematopoietic stem cells for bone marrow transplant for haematological condition ... 5,00,000/- | 2,50,000/- | 2,00,000/- | Up to Sum Insured | 2,50,000/- ... 1,00,00,000/- | 7,50,000/- | 4,00,000/- | 10,00,000/-","sources":[{"clause":"4","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-4"}],"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":"cross-checked","value":"Yes. The donor's in-patient hospitalisation for the transplant is paid when the transplant claim is payable; donor complications needing redo surgery or ICU are covered over and above the Limit of Coverage, up to the Basic Sum Insured.","display":"Yes, plus donor complications up to the Basic Sum Insured","note":null,"quote":"hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable provided the claim for transplantation is payable. In addition, the expenses incurred by the Donor (if any) for the complications that necessitate a Redo Surgery / ICU admission will be covered. The coverage limit under this Section is over and above the Limit of Coverage and up to the Basic Sum Insured.","sources":[{"clause":"9","heading":"Organ Donor Expenses: In-patient","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-9"}],"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 covered after an admissible claim, no rupee limit printed; air ambulance up to Rs.2,50,000 per hospitalisation and Rs.5,00,000 per Policy Period.","display":"Road: covered; air: Rs.2,50,000 per hospitalisation, Rs.5,00,000 a year","note":"Air ambulance only from the place of first occurrence to the nearest hospital, on medical advice.","quote":"Subject to an admissible ... hospitalization claim, road ambulance expenses incurred for the following are payable ... the cost of air ambulance service up to Rs.2,50,000/- per hospitalization not exceeding Rs.5,00,000/- per Policy Period","sources":[{"clause":"7","heading":"Road Ambulance: Subject to an admissible","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-7"},{"clause":"8","heading":"Air Ambulance: Subject to an admissible","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-8"}],"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":"100% of the Basic Sum Insured is restored once a Policy Period when the Basic Sum Insured and Cumulative Bonus are exhausted, usable even for the same illness.","display":"100%, once a year, same illness allowed","note":"For Sections II.1, II.3, II.5, II.6, II.7, II.8 and II.11; a relapse within 45 days counts as the same hospitalisation.","quote":"There shall be automatic restoration of the Basic Sum Insured by 100% immediately upon exhaustion of the Basic Sum Insured and accrued Cumulative Bonus if any, once during the Policy Period. It is made clear that such restored Sum Insured can be utilized for the subsequent hospitalization even for the illness /disease for which claim/s was / were already made. ... Such restoration will be available for Sections II.1, II.3, II.5, II.6, II.7, II.8 and II.11 Hospitalization due to continuous period of illness including its relapse within 45 days from the date of last consultation","sources":[{"clause":"13","heading":"Automatic Restoration of Sum Insured","page":13,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-13"}],"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: for Sum Insured Rs.5,00,000, 50% of the Basic Sum Insured per claim-free year up to 100%; for Rs.7,50,000 or above, 100% after a claim-free year. Maximum 100%. After a claim it is reduced at the rate at which it accrued.","display":"50% a year (Rs.5,00,000) or 100% (Rs.7,50,000 and above), maximum 100%","note":null,"quote":"Insured under the policy is Rs.5,00,000/-, the Insured Person would be entitled to the benefit of Cumulative Bonus calculated at 50% of the Basic Sum Insured under this policy following after every claim free year up to a maximum of 100%. Where the Sum Insured under the policy is Rs.7,50,000/-or above, the Insured Person would be entitled to the benefit of Cumulative Bonus calculated at 100% of the Basic Sum Insured under this policy following a claim free year. The maximum benefit of cumulative bonus is 100% of the Basic Sum Insured. ... such cumulative bonus so granted will be reduced at the same rate at which it has accrued","sources":[{"clause":"12","heading":"Cumulative Bonus: Where the Sum","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-12"},{"clause":null,"heading":"Special Conditions for Cumulative Bonus","page":13,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-special-conditions-for-cumulative-bonus"}],"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":"not-stated","value":null,"display":null,"note":"No clause says whether consumables are paid. The wording annexes IRDAI lists of items subsumed into room, procedure and treatment charges, and Excl 37 points to 'Other Excluded Expenses as detailed in the website'.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Yes. Delivery (normal or caesarean, including pre and post natal expenses) is paid up to Rs.15,000 to Rs.50,000 for normal and Rs.20,000 to Rs.1,00,000 for caesarean by Sum Insured, for at most 2 deliveries in a lifetime, after a 24-month waiting period, if both self and spouse are covered.","display":"Yes, Rs.15,000 to 1,00,000 per delivery after 24 months","note":"Waiting period of 24 months applies afresh after a delivery claim. Claims do not reduce the Sum Insured but affect Cumulative Bonus. Prospectus quoted because the wording table is garbled.","quote":"Expenses for a Delivery including Delivery by Caesarean Section (including pre-natal and post natal expenses) up to the limits mentioned in the table below per Delivery, subject to a maximum of 2 deliveries in the entire life time of the Insured Person ... 5,00,000/- | 15,000/- | 20,000/- | 1,00,000/- ... 50,00,000/- to 1,00,00,000/- | 50,000/- | 1,00,000/- | 2,00,000/- ... Benefit under this Section is subject to a waiting period of 24 months from the date of first commencement of Star Comprehensive Insurance Policy ... both Self and Spouse are covered under this policy either on floater basis or on individual basis and both Self and Spouse should have been covered for a continuous period of 24 months under Star Comprehensive Insurance Policy","sources":[{"clause":"14","heading":"Delivery and New Born","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-14"},{"clause":null,"heading":"Special Conditions applicable for this Section","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-special-conditions-applicable-for-this-section"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Yes, after an admissible delivery claim: treatment of the new born for any disease, illness (including congenital disorders) or injury up to Rs.1,00,000 (Rs.2,00,000 for Sum Insured Rs.50,00,000 and above), and vaccination up to Rs.5,000 or Rs.10,000 until age one.","display":"Yes, Rs.1,00,000 to 2,00,000, plus vaccination","note":"For long-term policies, payable only till the policy expiry or anniversary, whichever is earlier. A new born baby can be added mid-term on proportionate premium.","quote":"incurred in a hospital/ nursing home on treatment of the New-born for any disease, illness (including any congenital disorders) or accidental injuries are payable provided there is an admissible claim under Section 14. A above ... 5,00,000/- | 15,000/- | 20,000/- | 1,00,000/- ... 50,00,000/- to 1,00,00,000/- | 50,000/- | 1,00,000/- | 2,00,000/- ... Vaccination expenses for the new born baby are payable up to the limits mentioned in the table below, until the new born baby completes one year of age ... 5,00,000/- to 25,00,000/- | 5,000 ... Above 25,00,000/- | 10,000","sources":[{"clause":"14","heading":"Delivery and New Born","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-14"}],"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":"No clause on in-patient treatment of mental illness. Psychiatric disorders are excluded only from domiciliary hospitalisation, and severe psychiatric illness bars bariatric surgery.","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":"Yes, a preventive health check-up at network providers once per Policy Year for each adult insured (Package A up to Rs.10,00,000 Sum Insured, Package B above), after an initial 30-day wait in the first year.","display":"Once a year for each adult","note":"Does not reduce the Sum Insured.","quote":"arrange for a Preventive Health Check-up at Our Network Providers for the applicable package ... 5,00,000/- to 10,00,000/- | Package A ... Above 10,00,000/- | Package B ... 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","sources":[{"clause":"18","heading":"Preventive Health Check-up: We will arrange for a Preventive Health Check-up at Our","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-18"}],"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":"Yes. Out-patient consultations in a network facility: Rs.1,200 to Rs.5,000 per Policy Period by Sum Insured, Rs.300 per consultation. Out-patient dental and ophthalmic treatment (including spectacles): Rs.5,000 to Rs.15,000 per block of 3 years. Unlimited tele-consultations.","display":"Yes, consultations Rs.1,200 to 5,000 a year; dental and eye Rs.5,000 to 15,000 per 3 years","note":"OPD payments do not reduce the Sum Insured. Dental and ophthalmic cover becomes available after every block of 3 years of continuous coverage. OPD claims are settled cashless.","quote":"Expenses of Medical Consultations as an Out Patient incurred in a Networked Facility for ... other than Dental and Ophthalmic treatments, up to the limits mentioned in the table below are payable. ... 5,00,000/- | 1,200/- ... 50,00,000/-, 75,00,000/- and 1,00,00,000/- | 5,000/- ... Limit of per consultation is Rs.300/- ... Out-patient Dental and Ophthalmic Treatment: Expenses incurred on acute treatment ... 5,00,000/- and 7,50,000/- | 5,000/- ... Above 25,00,000/- | 15,000/- ... There shall be no maximum limit on the count of Tele-Consultations","sources":[{"clause":"16","heading":"Expenses of Medical Consultations as an Out Patient incurred in a Networked Facility for","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-16"},{"clause":null,"heading":"Out-Patient Consultation","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-out-patient-consultation"},{"clause":"17","heading":"Out-patient Dental and Ophthalmic Treatment: Expenses incurred on acute treatment","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-17"},{"clause":"17(ii)","heading":null,"page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-17-ii"},{"clause":"20","heading":"Unlimited Tele-Consultation: We will arrange Tele Consultations with qualified Medical","page":13,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-20"}],"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 the zone (A to E).","display":"Yes, Zones A to E","note":"Zone A includes Delhi NCR, Gujarat and Mumbai; Zone B Telangana, parts of Kerala, Pune; Zone C Chennai, Bengaluru, Indore; Zone D rest of several states and Kolkata; Zone E rest of India.","quote":"Zone wise premium – Applicable ... Zone A: Delhi, New Delhi ... Zone E: Rest Of India","sources":[{"clause":null,"heading":"Zone wise premium – Applicable","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-zone-wise-premium-applicable"}],"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 up-front and reimbursed. Out-patient consultation and bariatric claims are cashless only.","display":"Yes, at network hospitals","note":"Home Care Treatment can also be taken cashless from network providers.","quote":"i) 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. ... F. Claims of Out Patient Consultations / treatments will be settled on cashless basis ... Note: Claims under this Section shall be processed only on cashless basis.","sources":[{"clause":"Excl31(e)(i)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-e-i"},{"clause":"Excl03(n)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-excl03-n"},{"clause":"15","heading":"Bariatric Surgery: Expenses incurred on hospitalization for bariatric surgical procedure","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338#c-15"}],"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: claims are notified to and processed by the Company.","display":"The insurer (Star Health)","note":"Notification goes to the Company; a clause lets an authorised TPA make or follow up reimbursement claims.","quote":"f) The Company will process the request and call for additional documents / clarifications if the information furnished is ... Only the authorized Third-Party Administrator (TPA), legal heirs, Proposer, or approved Insurance Intermediaries have the right to make or follow up on reimbursement claims under this policy.","sources":[{"clause":"Excl31(f)","heading":null,"page":37,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-excl31-f"},{"clause":"31","heading":"Third-Party Claims: Only the authorized","page":45,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-31"}],"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","note":null,"quote":"Where the policy is issued on floater basis, the Basic Sum Insured, cumulative bonus and other related benefits floats amongst the Insured Persons.","sources":[{"clause":"28(ii)","heading":null,"page":45,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337#c-28-ii"}],"law":[]}],"documents":[{"kind":"wording","label":"Star Comprehensive Insurance Policy SHAHLIP26044V092526","pages":48,"fetched_at":"2026-10-19 16:40:22.483995+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Star_Comprehensive_Insurance_Policy_V_21_3a414ab104.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/337"},{"kind":"wording","label":"Star Comprehensive Insurance Policy (IRDAI copy)","pages":14,"fetched_at":"2026-10-20 02:22:28+00","source_url":"https://irdai.gov.in/documents/37343/931203/Star+Comprehensive+Insurance+Policy_2013-2014.pdf/7d9ddf0f-27da-441c-e9af-bcca9f097acf?version=1.1&t=1668330651103&download=true","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/28150"},{"kind":"prospectus","label":"Star Comprehensive Insurance Policy","pages":53,"fetched_at":"2026-10-19 16:40:22.483995+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Prospectus_Star_Comprehensive_Insurance_Policy_V_12_dc6058c95e.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/338"},{"kind":"cis","label":"Star Comprehensive Insurance Policy","pages":20,"fetched_at":"2026-10-19 16:40:22.483995+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_Star_Comprehensive_Insurance_Policy_V_2_69c15a9ee1.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526/document/339"}],"versions":[{"uin":"IRDA/NL-HLT/SHAI/P-H/V.II/398/13-14","version":null,"approved_on":null},{"uin":"SHAHLIP26044V092526","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":"Star Comprehensive Insurance Policy (UIN SHAHLIP26044V092526), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/star-comprehensive-insurance-policy-shahlip26044v092526"}