India · Documents
Insurance documents, with the official copy to download
Premium charts, IRDAI circulars, government package lists and forms. Each page has an unchanged copy of the official file, where it came from, and what it says in plain words.
- Star Health Insurance Premium Chart PDFDownload Star Health's official premium charts for Super Star, Star Health Assure, Family Health Optima, Star Comprehensive, Arogya Sanjeevani and Senior Citizens Red Carpet, unchanged from Star's own prospectuses. Rates by age, sum insured and city zone, how each chart changed since 2024, and the co-pays, loadings and GST the chart price leaves out.
- LIC NEFT Mandate Form PDFDownload LIC's official NEFT mandate form (PDF, 1.3 MB), the two-page form that tells LIC which bank account to pay your maturity, survival benefit or claim into. Each of its 12 fields explained, the cancelled cheque, Aadhaar and PAN copies it asks for, and the name-match rule that gets mandates rejected.
- HDFC ERGO Optima Secure Premium Chart PDFDownload HDFC ERGO's official Optima Secure premium chart (PDF, 5.6 MB): the 291-page prospectus with rates for every age, six city tiers and covers up to ₹2 crore. ₹10 lakh at age 35 costs ₹14,824 to ₹20,972 before discounts. Plus what Secure, Plus, Protect and Restore mean.
- Care Health Insurance Claim Form PDFDownload Care Health Insurance's official reimbursement claim form (11-page PDF, version JAN/23/AS), unchanged from Care's own site. What Part A and Part B ask field by field, who signs what, the documents to attach, the 30-day filing window in Care's policy wordings, and where to send it.
- PMJAY Package List PDF (HBP 2022): Download the Rate List, and How to Read ItDownload the PM-JAY package list, HBP 2022 (PDF, 2.3 MB), unchanged from nha.gov.in. It is still the current master in 2026: 1,949 rows with rates for Tier 1, 2 and 3 cities. Cataract pays ₹4,500 to ₹5,700, caesarean ₹12,000 to ₹15,000, CABG ₹1.62 to ₹1.95 lakh. How to read it, and what it omits.
- IRDAI Annual Report 2024-25 PDF: Download, and Every Headline Number With Its PageDownload the IRDAI Annual Report 2024-25 (PDF, 12.2 MB), unchanged from irdai.gov.in. Penetration stayed at 3.7%, health premium hit ₹1,17,505 crore, and Bima Bharosa grievances rose to 2,57,790. Every headline figure, health and claims table, with the page it is on.
- IRDAI Master Circular on Health Insurance 2024 PDF: Every Chapter, in Plain EnglishDownload the IRDAI Master Circular on Health Insurance Business (IRDAI/HLT/CIR/PRO/84/5/2024, 29 May 2024) as an unchanged PDF, with a clause-by-clause map: the one-hour cashless rule (cl. 15), three-hour discharge (cl. 16), 60-month moratorium (cl. 13), portability, no-claim bonus and who can reject a claim.
Looking for a verdict rather than a document? Start with health cover for parents or indemnity cover for doctors.