Star Health Insurance
Family Floater
15 Mar 2026
245 days left
₹10,00,000
0% used
Room rent cap detected
Potential Claim Reductions
Clauses that may reduce your payout
Action Required Before Hospitalization
2 critical clauses detected that could significantly reduce your claim payout. Review each risk before admission.
Your policy caps room rent at ₹5,000 per day. If you choose a room that costs more — say ₹8,000/day — the insurer applies a proportionate deduction across almost all hospital expenses (doctor fees, nursing charges, OT charges). A 60% room rent breach can reduce your total claim payout by 30–40%, even if your sum insured is untouched.
💡 Ask the AI Assistant below to understand any of these risks better
Policy Snapshot
What's in and out of coverage
ICU Charges
Ambulance (up to ₹2,000)
Day Care Procedures
540+ listed
Organ Donor Expenses
AYUSH Treatments
Ayurveda, Yoga, Unani
Pre & Post Hospitalisation
30 & 60 days
Cosmetic Surgery
Dental Procedures
Unless accidental
Experimental Treatments
Self-inflicted Injuries
Policy Health Score
AI-assessed coverage quality
Score improves when you upgrade room rent limit or remove co-pay
Analytics
Coverage Distribution
How your ₹10L is allocated
Risk Factors
Risk score per clause (higher = more risk)
Benefit Categories
Effective coverage per benefit type