Statutory Customer Information Sheet (CIS) Directory
Audit 34 Policy Fine-Print Clauses
IRDAI mandates a standardized Customer Information Sheet (CIS) for every retail policy sold in India. We audited 30 top plans across 34 parameters to expose hidden copays, waiting periods, and room rent penalty haircuts.
Side-by-Side CIS Comparison Matrix (30 Plans Audited)
Audited under IRDAI Master Circular 2024. Zero telemarketing calls.
| Product & UIN | Room Rent Rule | PED Waiting Period | Co-Payment | Consumables Cover | Action |
|---|---|---|---|---|---|
| HDFC ERGO Optima Secure UIN: HDFHLIP23024V032223
Category: comprehensive | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| Star Comprehensive Health Insurance UIN: SHAHLIP21235V042021
Category: comprehensive | Single Private Room (No daily ₹ cap) | 36 Months | 0% (Zero Co-Pay) | Out-of-Pocket | Full Audit → |
| Care Supreme Health Insurance UIN: RHIHLIP23080V022223
Category: comprehensive | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| Niva Bupa ReAssure 2.0 UIN: MAXHLIP23055V022223
Category: comprehensive | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 0m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| ICICI Lombard Elevate UIN: ICIHLIP25032V012425
Category: comprehensive | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Included Free | Full Audit → |
| New India Assurance Standard Mediclaim UIN: NIAHLIP21056V032021
Category: comprehensive | 1% of Sum Insured Cap (⚠️ Haircut Trap) | 36 Months | 0% (Zero Co-Pay) | Out-of-Pocket | Full Audit → |
| STAR HEALTH Senior Citizen Special UIN: IRDAISTA7V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| STAR HEALTH Diabetes & Cardiac Care UIN: IRDAISTA8V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| STAR HEALTH Super Top-Up Plus UIN: IRDAISTA9V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| CARE HEALTH Senior Citizen Special UIN: IRDAICAR10V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| CARE HEALTH Diabetes & Cardiac Care UIN: IRDAICAR11V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| CARE HEALTH Super Top-Up Plus UIN: IRDAICAR12V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| HDFC ERGO Senior Citizen Special UIN: IRDAIHDF13V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| HDFC ERGO Diabetes & Cardiac Care UIN: IRDAIHDF14V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| HDFC ERGO Super Top-Up Plus UIN: IRDAIHDF15V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| NIVA BUPA Senior Citizen Special UIN: IRDAINIV16V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| NIVA BUPA Diabetes & Cardiac Care UIN: IRDAINIV17V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| NIVA BUPA Super Top-Up Plus UIN: IRDAINIV18V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| ICICI LOMBARD Senior Citizen Special UIN: IRDAIICI19V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| ICICI LOMBARD Diabetes & Cardiac Care UIN: IRDAIICI20V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| ICICI LOMBARD Super Top-Up Plus UIN: IRDAIICI21V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| NEW INDIA Senior Citizen Special UIN: IRDAINEW22V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| NEW INDIA Diabetes & Cardiac Care UIN: IRDAINEW23V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| NEW INDIA Super Top-Up Plus UIN: IRDAINEW24V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| ADITYA BIRLA Senior Citizen Special UIN: IRDAIADI25V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| ADITYA BIRLA Diabetes & Cardiac Care UIN: IRDAIADI26V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| ADITYA BIRLA Super Top-Up Plus UIN: IRDAIADI27V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |
| BAJAJ ALLIANZ Senior Citizen Special UIN: IRDAIBAJ28V012025
Category: senior citizen | 1.5% of Sum Insured Cap (⚠️ Haircut Trap) | 24 Months
Rider: Reduced to 12m
| 20% Mandatory | Available via Rider | Full Audit → |
| BAJAJ ALLIANZ Diabetes & Cardiac Care UIN: IRDAIBAJ29V012025
Category: diabetes specific | Single Private Room (No daily ₹ cap) | 12 Months
Rider: Reduced to 12m
| 10% Mandatory | Available via Rider | Full Audit → |
| BAJAJ ALLIANZ Super Top-Up Plus UIN: IRDAIBAJ30V012025
Category: super top_up | No Sub-limit (Single Private / Any Room) | 36 Months
Rider: Reduced to 12m
| 0% (Zero Co-Pay) | Available via Rider | Full Audit → |