IRDAI UIN: SHAHLIP21235V042021
✓ Standard CIS Audited
family floater
Star Comprehensive Health Insurance
Statutory Customer Information Sheet (CIS) analysis under IRDAI (Protection of Policyholders' Interests) Regulations, 2024.
Entry Age 18 to 65 Years
Sum Insured Range ₹5L to ₹100L
Mandatory Co-Pay 0% Base
TPA Desk Model in house_desk
1. Room Rent & ICU Limits (The Haircut Risk)
✓ Zero Haircut Guarantee Room Category Allowed:
single private ac
ICU / ICCU Allowance:
no sublimit
2. Waiting Periods & The 5-Year Moratorium Lock
Initial Waiting Period:
30 Days
Accidental hospitalization covered from Day 1.
Pre-Existing Diseases (PED):
36 Months
Section 45 Moratorium:
5-Year Safety Lock
Claims cannot be rejected on non-disclosure after 5 years.
3. Procedure Sub-limits & Modern Treatments
Cataract Cap (Per Eye):
₹50,000
Joint Replacement Cap:
No Sub-limit
Robotic Surgery Limit:
₹5,00,000
AYUSH Alternative Care:
₹2,50,000