Drop a Star Health & Allied InsurancePDF — health, family floater, top-up, whatever you have. PolicyPlain's extractor reads the actual wording and surfaces the parts that decide whether you get paid at claim time. Works on policies like Family Health Optima / Comprehensive.
No signup · No storage · No OCR · No LLM in the critical path
Trust at a glance
FY 2024-25
% of premium paid as claims
Lower is better
What PolicyPlain extracts from a Star Health PDF
Initial 30-day cover gap, pre-existing disease wait (often 24-48 months on Star Health retail plans), specified-disease list, maternity, critical-illness gates — surfaced as a single table.
The single clause that shrinks claims more than any other. We extract both rupee caps and percentage-of-sum-insured caps and call out the proportionate-deduction trap that follows.
ICU per-day caps, disease-wise sub-limits (cataract per eye, knee replacement per joint, maternity per delivery), modern-treatment percentage caps (robotic, immunotherapy, oral chemo).
Flat-percentage co-pay and age-triggered co-pay slabs — common on Star Health senior-citizen products — extracted with the trigger age so you know when the haircut kicks in.
Cosmetic, dental, infertility, non-allopathic, hazardous sports, geographic limits — both the standard IRDAI baseline list and any insurer-specific carve-outs from the permanent exclusions section.
Notification window, cashless vs reimbursement steps, document checklist, submission deadlines and the IRDAI-mandated 30-working-day insurer turnaround — in the order you'll need them.
Star Health — what to watch for
Room-rent caps tied to a percentage of sum insured and per-eye sub-limits on cataract — the proportionate-deduction trap that quietly halves claims.
Drop the PDF — we'll pull every clause that matters into one plain-English page. No signup, no payment, no storage.
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Don't see your insurer? The generic extractor still covers IRDAI baseline structure — give it a try.