Star Health and Allied Insurance Company Limited
Star Health Assure Insurance Policy
UIN SHAHLIP23131V022223We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹1 cr
Claim settlement (CSR)
99.06%
PED waiting
36 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
Yes
Pre / post hosp.
60 / 180 days
Network hospitals
14,000+
Free look
30 days
What this plan does well
- 180-day post-hospitalisation (industry leading)
- Modern Treatments up to SI
- Unlimited Automatic Restoration at 100%
- Voluntary Deductible discount 45-55%
- 30-month PED wait for 3-year policy term (vs 36 industry standard)
- Newborn Day 1 + In Utero Fetal Surgery
- Rehabilitation + Pain Management built-in (20% SI cap)
- Compassionate Travel + Repatriation Mortal Remains
Watch out for
- Proportionate deduction on room cap breach
- 10% senior co-pay at 61+ (moderate)
- No traditional Cumulative Bonus mechanism
- Assisted Reproduction sub-limited (₹50K-3L) — not up to SI
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.