{"uin":"SHATIDP23122V012223","name":"Star Domestic Travel Insurance Policy","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223","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":"general","category":"travel","category_name":"Travel insurance","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Star Domestic Travel Insurance Policy is a domestic travel policy covering trips within India in Silver, Gold and Platinum variants for single, round and multi trips. It covers accident benefits and travel inconvenience benefits with NIL deductible, with accidental hospitalization limits of Rs. 1,00,000, Rs. 2,50,000 or Rs. 5,00,000 by plan.","analysis":{"state":"machine","analysed_at":"2026-10-20 08:24:42.649246+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"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":"quote-verified","value":["Silver","Gold","Platinum"],"display":"Silver, Gold and Platinum","note":"Single Trip, Round Trip and Multi Trip coverage are available under each variant.","quote":"“Star Domestic Travel Insurance Policy” offers Silver, Gold and Platinum variants.","sources":[{"clause":"C","heading":"COVERAGE","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-c"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Single trip terms are 1 day, 2 days, 3 days, 7 days or 15 days. Round trip terms are 7 days, 15 days or 30 days; multi trip allows each trip up to 30, 45 or 60 days and the maximum multi-trip policy term is 1 year, and the policy cannot be renewed.","display":"Single trip: 1, 2, 3, 7 or 15 days; Round Trip: 7, 15 or 30 days; Multi trip: each trip up to 30/45/60 days, maximum policy term 1 year; not renewable","note":"Policy term options are stated in the prospectus.","quote":"r Single trip: 1 day, 2 days, 3 days, 7 days, 15 days r Round Trip: 7 days, 15 days, 30 days r Multi trip: Each Trip can be up to 30 days/45 days/60 days and Maximum policy term under Multi-Trip is 1 year ... Renewal: This policy can't be renewed.","sources":[{"clause":null,"heading":"Policy Term/Trip Duration","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360#c-policy-term-trip-duration"},{"clause":"19","heading":"Renewal","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-19-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"Intimation of an event that may give rise to a claim must be given within 15 days of its happening. If treatment requires emergency hospitalisation, the company must be informed within 24 hours of admission.","display":"Within 15 days of the event; emergency hospitalisation within 24 hours of admission","note":"The Company says it will examine and relax the time limit depending upon the merits of the case.","quote":"III) Notification of Claim: Intimation about an event or occurrence that may give rise to a claim under this policy must be given within fifteen (15) days of its happening. ... ii) If any treatment for which a claim may be made and that treatment requires Hospitalisation in an Emergency, the company shall be informed within 24 hours of the admission of the insured person in Hospital.","sources":[{"clause":"Row 10(III)","heading":"Notification of Claim","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360#c-row-10-iii-2"},{"clause":"Row 10(ii)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360#c-row-10-ii-3"}],"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":"quote-verified","value":["Claim Form (to be filled and signed by insured)","Hospitalization discharge summary/consultation papers of insured/family members (if applicable)","All bills and payment receipts towards cancellation of ticket, hotel bookings, scheduled tour bookings","NEFT form and Cancelled cheque stating insured's/Claimant Bank account details","KYC details of Insured","Death certificate in case of death if applicable","Policy Copy","Original bills, receipts of emergency purchases made, Original reports or letter from airlines","“Property Irregularity Report” (to be obtained from the airline authorities)","Letter from the airlines accepting the liability for loss"],"display":"Claim form, relevant medical or travel documents, bills and receipts, NEFT/cancelled cheque, KYC, death certificate if applicable, policy copy, airline reports for baggage claims","note":"Documents vary by benefit; the policy lists separate document sets for each section.","quote":"· Claim Form (to be filled and signed by insured) · Hospitalization discharge summary/consultation papers of insured/family members (if applicable) · All bills and payment receipts towards cancellation of ticket, hotel bookings, scheduled tour bookings · NEFT form and Cancelled cheque stating insured's/Claimant Bank account details · KYC details of Insured · Death certificate in case of death if applicable · Policy Copy ... · Original bills, receipts of emergency purchases made, Original reports or letter from airlines ... · “Property Irregularity Report” (to be obtained from the airline authorities) · Letter from the airlines accepting the liability for loss","sources":[{"clause":null,"heading":"List of Claim Documents Specific to Trip Cancellation and Trip Curtailment","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-list-of-claim-documents-specific-to-trip-cancell"},{"clause":null,"heading":"List of Claim Documents Specific to Flight/Rail Delay and Flight/Common","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-list-of-claim-documents-specific-to-flight-rail"}],"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":"quote-verified","value":"Cashless preauthorisation TAT is 1 hour from receipt of all necessary relevant documents. Final bill authorisation or rejection is within 30 days from receipt of the last necessary document.","display":"Cashless preauthorisation: 1 hr from all necessary documents; final bill settlement/rejection: within 30 days from last necessary document","note":"This timing is stated in the Customer Information Sheet.","quote":"i) TAT for preauthorization of cashless facility: 1 hr from\ni) TAT for preauthorization of cashless facility: 1 hr from the time of receipt of all necessary relevant documents. ... ii) TAT for final bill authorization: The Company shall settle\nii) TAT for final bill authorization: The Company shall settle or reject a claim, as the case may be, within 30 days or reject a claim, as the case may be, within 30 days from the date of receipt of last necessary document.","sources":[{"clause":null,"heading":"Turn Around Time ( TAT) for claims settlement","page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31384#c-turn-around-time-tat-for-claims-settlement"}],"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":"quote-verified","value":["Any pre-existing disease and its complications arising out of or resulting therefrom","Daily commutators who holds valid season ticket/pass","Trip by Chartered Flight/Helicopter","Accident while insured is at his/her home.","Any claim for Death or Permanent Disablement of the Insured Person (a) from intentional self-injury/suicide or attempted suicide or (b) caused by the insured person whilst he/she is under the influence of intoxicating liquor or drugs or (c) from self-endangerment unless in self-defence or to save human life","Participation in an actual or attempted felony, riot, crime, misdemeanour or civil commotion.","Accident while participating in vehicle racing or trial run as a driver, co-driver or passenger.","Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these.","War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority.","Nuclear energy, radiation.","Whilst engaging in hazardous activity.","Whilst engaging in Adventure Sports.(except to the extent covered under Adventure Sport – Section 20)","Non-allopathic medicine.","Cosmetic surgery and plastic surgery."],"display":"Pre-existing disease; daily commutators with season pass; chartered flight/helicopter; accident at home; self-injury/suicide, intoxication or self-endangerment; felony/riot/crime; vehicle racing; pregnancy and childbirth; war; nuclear energy/radiation; hazardous activity; adventure sports except Section 20; non-allopathic medicine; cosmetic/plastic surgery","note":null,"quote":"Any pre-existing disease and its complications arising out of or resulting therefrom ... Daily commutators who holds valid season ticket/pass ... Trip by Chartered Flight/Helicopter ... Accident while insured is at his/her home. ... Any claim for Death or Permanent Disablement of the Insured Person (a) from intentional self-injury/suicide or attempted suicide or (b) caused by the insured person whilst he/she is under the influence of intoxicating liquor or drugs or (c) from self-endangerment unless in self-defence or to save human life ... Participation in an actual or attempted felony, riot, crime, misdemeanour or civil commotion. ... Accident while participating in vehicle racing or trial run as a driver, co-driver or passenger. Pregnancy and childbirth, miscarriage, abortion or complications arising out of any of these. ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, commotion unrest, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition of or damage or under the order of any government or public authority. ... Nuclear energy, radiation. ... Whilst engaging in hazardous activity. ... Whilst engaging in Adventure Sports.(except to the extent covered under Adventure Sport – Section 20) ... Non-allopathic medicine. ... Cosmetic surgery and plastic surgery.","sources":[{"clause":"1","heading":"Any pre-existing disease and its complications arising out of or resulting therefrom","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-1-9"},{"clause":"2","heading":"Daily commutators who holds valid season ticket/pass","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-2-8"},{"clause":"3","heading":"Trip by Chartered Flight/Helicopter","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-3-6"},{"clause":"4","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-4-6"},{"clause":"5","heading":"Any claim for Death or Permanent Disablement of the Insured Person (a) from","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-5-5"},{"clause":"6","heading":"Participation in an actual or attempted felony, riot, crime, misdemeanour or civil","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-6-4"},{"clause":"7","heading":"Any Accident of which a contributing cause was the Insured Person's actual or","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-7-4"},{"clause":"10","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-10"},{"clause":"11","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-11"},{"clause":"12","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-12"},{"clause":"13","heading":"Whilst engaging in Adventure Sports.(except to the extent covered under Adventure","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-13"},{"clause":"18","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-18"},{"clause":"19","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-19"}],"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":"quote-verified","value":"For a grievance, the insured may contact the Company through its website, e-mail, phone or post, or approach a branch. If not satisfied, the insured may contact the grievance officer and then the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Contact Star Health via www.starhealth.in, gro@starhealth.in / grievances@starhealth.in, 044-69006900 / 1800 425 2255, post or branch; if not satisfied contact grievance officer at 044-43664600","note":null,"quote":"the Company through\nWebsite | : www.starhealth.in\nE-mail | : gro@starhealth.in, grievances@starhealth.in\nPh. No. | : 044-69006900 | 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. lf 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","sources":[{"clause":"26","heading":"Redressal of Grievance: Incase of any grievance the insured person may contact","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-26"},{"clause":null,"heading":"Senior Citizens may call at 044-69007500","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-senior-citizens-may-call-at-044-69007500"},{"clause":null,"heading":"For updated details of grievance officer, kindly refer the link","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-for-updated-details-of-grievance-officer-kindly"}],"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":"perils","label":"What is covered","section":"Cover","meaning":"The events or risks covered.","status":"quote-verified","value":["Accidental Death","Permanent Total Disablement","Permanent Partial Disablement","Accidental Hospitalization Expenses","Emergency Hospitalization Expenses (for Heart Attack (Myocardial Infarction) & Stroke (CVA), if happened during travel and if it is not a PED)","Child Education Fund","Emergency Medical Assistance","Compassionate Visit","Emergency Medical Evacuation","Repatriation of Mortal Remains","Personal Liability","Missed Departure/Connecting flight","Trip Cancellation","Delay of Checked in Baggage (by Air) 6 hrs","Trip Curtailment","Flight/Rail Delay (6 hrs)","Flight/Carrier Cancellation","Loss of checked-in baggage (By Air) (irrespective of number of bag loss)","Convalescence Benefit","Adventure Sports"],"display":"Accidental death, disablement, hospitalization, specified illness hospitalization, child education fund, emergency assistance, compassionate visit, evacuation, repatriation, personal liability, missed departure, trip cancellation, baggage delay/loss, trip curtailment, flight/rail delay, carrier cancellation, convalescence and adventure sports","note":"Benefit availability and limits differ by Silver, Gold and Platinum plan.","quote":"Benefits Accidental Death | S | ILVE | R PLAN | G | O | LD PLAN | PLATINUM PLAN\nMinimum limit (Rs.) 1,00,000 | Maximum Limit (Rs 5,00,000 | .) Minimum limit (Rs.) 2,50,000 | Maximum Limit (Rs.) 10,00,000 | Minimum limit (Rs.) 5,00,000 | Maximum Limit (Rs.) 1,00,00,000\nPTD | 1,00,000 | 5,00,000 | 2,50,000 | 10,00,000 | 5,00,000 | 1,00,00,000\nPPD | 1,00,000 | 5,00,000 | 2,50,000 | 10,00,000 | 5,00,000 | 1,00,00,000\nAccidental Hospitalization Expenses | 1,00,000 | 2,50,000 | 5,00,000\nEmergency Hospitalization Expenses (for Heart Attack (Myocardial Infarction) & Stroke (CVA), if happened during travel and if it is not a PED) | Covered as part of Accidental Hospitalisation Expenses | Covered as part of Accidental Hospitalisation Expenses | Covered as part of Accidental Hospitalisation Expenses\nChild Education Fund | 30,000 | 30,000 | 30,000\nEmergency Medical Assistance | Available | Available | Available\nCompassionate Visit | 15,000 | 15,000 | 15,000\nEmergency Medical Evacuation | Not Available | 10,000 | 10,000\nRepatriation of Mortal Remains | Not Available | 25,000 | 25,000\nPersonal Liability | Not Available | 1,00,000 | 2,50,000\nMissed Departure/Connecting flight | Not Available | 5,000 | 10,000\nTrip Cancellation | Not Available | 5,000 | 10,000\nDelay of Checked in Baggage (by Air) 6 hrs | Not Available | 3,000 | 3,000\nTrip Curtailment | Not Available | 10,000 | 10,000\nFlight/Rail Delay (6 hrs) | Not Available | Not Available | 5,000\nFlight/Carrier Cancellation | Not Available | Not Available | 7,000\nLoss of checked-in baggage (By Air) (irrespective of number of bag loss) | Not Available | Not Available | 7,500\nConvalescence Benefit | Not Available | Not Available | 25,000\nAdventure Sports | Not Available | Not Available | Death, PTD & Repatriation of Mortal Remains","sources":[{"clause":null,"heading":"TABLE OF BENEFITS","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-table-of-benefits"}],"law":[]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"Cancellation for Single Trip, Round Trip and Multi Trip is allowed only when the journey is not undertaken and the insured produces the ticket as proof, subject to cancellation charges. For Multi Trip, premium retained is 25.0% up to one month, 37.5% exceeding 1 month up to 3 months, 57.5% exceeding 3 months up to 6 months, 80.0% exceeding 6 months up to 9 months, and 100% exceeding 9 months.","display":"Only if journey not undertaken and ticket proof is produced; multi-trip premium retained: 25.0%, 37.5%, 57.5%, 80.0% or 100% by period on risk","note":null,"quote":"For Single Trip/Round Trip/Multi Trip: Cancellation of the policy may be done only where a journey is not undertaken and only on production of the Insured's ticket as a proof that the journey has not been undertaken. Such cancellation will be subject to deduction of cancellation charges by the Company. For Multi Trip: Cancellation applicable as per the below table ... Period on Risk | Rate of premium to be retained\nUp to one month | 25.0%\nExceeding 1 month up to 3 months | 37.5%\nExceeding 3 months up to 6 months | 57.5%\nExceeding 6 months up to 9 months | 80.0%\nExceeding 9 months | 100%","sources":[{"clause":"14","heading":"Cancellation","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-14-2"},{"clause":null,"heading":"Cancellation Applicable only for Multi trip","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-cancellation-applicable-only-for-multi-trip"}],"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":"quote-verified","value":"Covered within India.","display":"Covered within India","note":null,"quote":"Geographical/Territorial Limits: Covered within India.","sources":[{"clause":"18","heading":"Geographical/Territorial Limits","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-18-2"}],"law":[]},{"key":"medical_cover","label":"Medical cover abroad","section":"Cover","meaning":"Emergency medical and hospital costs while travelling, and the limit.","status":"quote-verified","value":"The policy covers medical costs during travel within India, not abroad. Accidental hospitalization expenses are covered up to Rs. 1,00,000 in Silver, Rs. 2,50,000 in Gold and Rs. 5,00,000 in Platinum; emergency hospitalization for sudden heart attack or stroke during travel is covered as part of Accidental Hospitalisation Expenses if it is not a PED.","display":"Within India only: accidental hospitalization Rs. 1,00,000 / Rs. 2,50,000 / Rs. 5,00,000 by plan; sudden heart attack or stroke covered as part of accidental hospitalization if not a PED","note":"This is a domestic travel policy; the documents do not provide medical cover abroad.","quote":"Geographical/Territorial Limits: Covered within India. ... Accidental Hospitalization Expenses | 1,00,000 | 2,50,000 | 5,00,000\nEmergency Hospitalization Expenses (for Heart Attack (Myocardial Infarction) & Stroke (CVA), if happened during travel and if it is not a PED) | Covered as part of Accidental Hospitalisation Expenses | Covered as part of Accidental Hospitalisation Expenses | Covered as part of Accidental Hospitalisation Expenses","sources":[{"clause":"18","heading":"Geographical/Territorial Limits","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-18-2"},{"clause":null,"heading":"TABLE OF BENEFITS","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-table-of-benefits"}],"law":[]},{"key":"ped_cover","label":"Pre-existing conditions","section":"Cover","meaning":"Whether emergencies from existing conditions are covered.","status":"quote-verified","value":"Emergencies or claims arising from pre-existing conditions are excluded.","display":"Pre-existing disease and its complications are excluded; specified illness claims due to pre-existing condition are excluded","note":"The specific exclusion in Section 5 applies to emergency hospitalization expenses for specified illness.","quote":"Any pre-existing disease and its complications arising out of or resulting therefrom ... Any claim arising due to Pre-existing condition is excluded under the scope of this benefit.","sources":[{"clause":"1","heading":"Any pre-existing disease and its complications arising out of or resulting therefrom","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-1-9"},{"clause":"Section 5","heading":"Emergency Hospitalization Expenses (for Specified Illness): The Company","page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-5"}],"law":[]},{"key":"trip_cancellation","label":"Trip cancellation and curtailment","section":"Cover","meaning":"Refund of non-refundable costs if you must cancel or cut short a trip.","status":"quote-verified","value":"Trip cancellation cover pays the difference between the original ticket cost and refund received, up to the policy schedule/table limit, for necessary and unavoidable cancellation due to death of the insured or family member within 7 days before the journey, or serious injury or sudden sickness requiring hospitalization within 2 days before departure. The benefit is not available in Silver, is Rs. 5,000 in Gold and Rs. 10,000 in Platinum.","display":"Gold Rs. 5,000 and Platinum Rs. 10,000; Silver not available; pays ticket cost minus refund for specified death, serious injury or sudden sickness","note":null,"quote":"Section 13 Trip cancellation: The Company will indemnify the insured, the difference between the cost of original ticket and the refund amount received, up to the limits as mentioned in the Policy schedule/Table of Benefits, following the necessary and unavoidable cancellation of the Journey during policy period because of: ... i) Death of insured or his/her family member within 7 days prior to the start of journey ... ii) Serious injury or sudden sickness requiring hospitalization within 2 days before the date of departure specified in the policy schedule of (a) of the Insured Person or (b) Travelling Companion or (c) immediate Family member of the Insured Person. ... Trip Cancellation | Not Available | 5,000 | 10,000","sources":[{"clause":"Section 13","heading":"Trip cancellation: The Company will indemnify the insured, the difference","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-13"},{"clause":"Section 13(i)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-13-i"},{"clause":"Section 13(ii)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-13-ii"},{"clause":null,"heading":"TABLE OF BENEFITS","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-table-of-benefits"}],"law":[]},{"key":"baggage","label":"Baggage loss and delay","section":"Cover","meaning":"Cover for checked baggage lost or delayed.","status":"quote-verified","value":"Delay of checked-in baggage is covered for air travel if arrival of baggage is delayed by more than 6 hours; Silver is not available and Gold and Platinum are Rs. 3,000. Loss of checked-in baggage is covered only for air travel as a lump sum for total loss; it is available only in Platinum up to Rs. 7,500.","display":"Baggage delay by air over 6 hours: Gold/Platinum Rs. 3,000, Silver not available; loss of checked-in baggage by air: Platinum Rs. 7,500 only","note":"Both baggage covers are stated as applicable only for air travel.","quote":"Section 14 Delay Of Checked-in Baggage (Applicable only for Air travel): The Company will indemnify the insured, up to the limits as mentioned in the Policy schedule/Table of Benefits in respect of his/her emergency purchase of toiletries, emergency medication and clothing if the arrival of the baggage is delayed by more than 6 hours beyond the time of arrival at the intended destination. ... Section 18 Loss of Checked-in Baggage (Applicable only for Air Travel): If the Insured Person's checked-in accompanying baggage is permanently lost by the air carrier to whom it was entrusted, then the Insurer in respect of such loss compensate the Insured with lump-sum as mentioned in the Policy schedule/Table of Benefits. ... Delay of Checked in Baggage (by Air) 6 hrs | Not Available | 3,000 | 3,000 ... Loss of checked-in baggage (By Air) (irrespective of number of bag loss) | Not Available | Not Available | 7,500","sources":[{"clause":"Section 14","heading":"Delay Of Checked-in Baggage (Applicable only for Air travel): The Company","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-14"},{"clause":"Section 18","heading":"Loss of Checked-in Baggage (Applicable only for Air Travel): If the","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-section-18"},{"clause":null,"heading":"TABLE OF BENEFITS","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386#c-table-of-benefits"}],"law":[]},{"key":"passport_loss","label":"Passport loss","section":"Cover","meaning":"Costs of replacing a lost passport.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"Amount you bear per claim.","status":"quote-verified","value":"NIL","display":"NIL","note":"This is stated in the Customer Information Sheet.","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","sources":[{"clause":"Row 4","heading":"Compassionate visit","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31384#c-row-4"}],"law":[]},{"key":"max_trip_days","label":"Trip length","section":"Eligibility","meaning":"Longest trip covered, single or multi-trip.","status":"quote-verified","value":"Single trip options go up to 15 days and round trip options go up to 30 days. For multi trip, each trip can be up to 30, 45 or 60 days and the maximum policy term under Multi-Trip is 1 year.","display":"Single trip up to 15 days; Round Trip up to 30 days; Multi trip each trip up to 30/45/60 days, maximum policy term 1 year","note":"This is stated in the prospectus.","quote":"r Single trip: 1 day, 2 days, 3 days, 7 days, 15 days r Round Trip: 7 days, 15 days, 30 days r Multi trip: Each Trip can be up to 30 days/45 days/60 days and Maximum policy term under Multi-Trip is 1 year","sources":[{"clause":null,"heading":"Policy Term/Trip Duration","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360#c-policy-term-trip-duration"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Free-look, if the policy offers one (usually annual multi-trip policies only): days after you receive the policy in which you can return it for a refund.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 1 day and maximum entry age is up to 70 years.","display":"Minimum 1 day; maximum up to 70 years","note":"This is stated in the prospectus.","quote":"Entry age: Minimum – 1day Maximum - Up to 70 years","sources":[{"clause":null,"heading":"STAR DOMESTIC TRAVEL INSURANCE POLICY Unique Identification No.: SHATIDP23122V012223","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360#c-star-domestic-travel-insurance-policy-unique-ide"}],"law":[]}],"documents":[{"kind":"wording","label":"Star Domestic Travel Insurance Policy - SHATIDP23122V012223","pages":10,"fetched_at":"2026-10-20 01:59:56+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Star_Domestic_Travel_Insurance_Policy_V_2_Web_69e28feb7c.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31386"},{"kind":"prospectus","label":"Star Domestic Travel Insurance Policy","pages":12,"fetched_at":"2026-10-20 01:58:08+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/web_starhealth_in_sites_default_files_prospectus_Star_Domestic_Travel_Insurance_Policy_prospectus_pdf_9b0b3fdd84.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31360"},{"kind":"cis","label":"Star Domestic Travel Insurance Policy","pages":15,"fetched_at":"2026-10-20 01:59:52+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_Star_Domestic_Travel_Insurance_Policy_V_2_1_aa410eb53a.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31384"},{"kind":"brochure","label":"Star Domestic Travel Insurance Policy","pages":7,"fetched_at":"2026-10-20 01:57:34+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Brochure_Star_DT_Insurance_Policy_V_2_Web_71a84af3f2.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223/document/31353"}],"versions":[],"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 Domestic Travel Insurance Policy (UIN SHATIDP23122V012223), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/star-domestic-travel-insurance-policy-shatidp23122v012223"}