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Every Star Health and Allied Insurance product and rider that IRDAI lists on its website, with its UIN (the unique number IRDAI gives each approved product). Find your policy by name or by the UIN printed on your policy document.
173Listed by IRDAI
173On IRDAI’s current list
0In IRDAI’s archive
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| Product | UIN | Type | Approved | Status | IRDAI file |
|---|---|---|---|---|---|
| Accident Care (Group) Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/102/13-14 | Health | 05-07-2013 | Current list | |
| Accident Care (group) insurance Revision | IRDAI/HLT/SHAI/P-H/V.II/102/2015-16 | Health | 29-03-2016 | Current list | |
| Accident Care (individual) Insurance | General | 25-04-2006 | Current list | ||
| Accident Care Individual Insurance Policy | IRDA/NL-HLT/SHAI/P-P/V.I/134/13-14 | Health | 08-08-2013 | Current list | |
| Accident Care Individul Insurance | IRDAI/HLT/SHAI/P-P/V.III/134/2017-18 | Health | 06-09-2017 | Current list | |
| Accident Trauma Care Insurance Policy (Group) | IRDA/NL-HLT/SHAI/P-H/V.I/104/13-14 | Health | 05-07-2013 | Current list | |
| Accident Trauma Care Insurance Policy (Individual) | IRDA/NL-HLT/SHAI/P-P/V.I/136/13-14 | Health | 08-08-2013 | Current list | |
| Accidental care individual insurance policy | IRDAI/HLT/SHAI/P-P/V.II/134/15-16 | Health | 20-08-2015 | Current list | |
| Arogya Sanjeevani Policy,Star Health and Allied Insurance Co Ltd | SHAHLIP20182V011920 | Health, New | 04-01-2020 | Current list | |
| Classic Group Health Insurance | SHAHLGP21239V022021 | Health, Revision | 13-09-2020 | Current list | |
| Classic Group Health Insurance | IRDAI/HLT/SHAI/P-H(G)/V.I/6/2017-18 | Health | 20-06-2017 | Current list | |
| College Student Care Insurance | General | 04-04-2006 | Current list | ||
| College Student Care Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/101/13-14 | Health | 05-07-2013 | Current list | |
| Community Health Insurance Scheme Vijayawda | IRDAI/HLT/SHAI/P-H(G)/V.I/36/2016-17 | Health, Group | 25-11-2016 | Current list | |
| Corona Kavach Policy,Star Health and Allied Insurance Co Ltd | SHAHLIP21066V012021 | Health, New | 07-10-2020 | Current list | |
| Corona Rakshak Policy, Star Health and Allied Insurance Co. Ltd | SHAHLIP21067V012021 | Health, Individual | 07-05-2020 | Current list | |
| CSC Personal Accident Insurance (Individual) | IRDAI/HLT/SHAI/P-P(CSC)/V.I/56/2016-17 | Health, CSC | 25-01-2017 | Current list | |
| Diabetes Safe Insurance Policy | SHAHLIP22029V072122 | Health, Revision | 31-05-2021 | Current list | |
| Diabetes Safe Insurance Policy | SHAHLIP21266V062021 | Health, Revision | 17-09-2020 | Current list | |
| Diabetes Safe Insurance Policy | SHAHLIP21022V052021 | Health, Revision | 14-05-2020 | Current list | |
| Diabetes Safe Insurance Policy | SHAHLIP18030V041819 | Health, Retail | 28-06-2018 | Current list | |
| Diabetes Safe Insurance Policy | IRDAI/HLT/SHAI/P-H/V.III/173/2016-17 | Health, Retail | 30-06-2016 | Current list | |
| Diabetes Safe Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/173/13-14 | Health | 14-08-2013 | Current list | |
| Family Accident Care Policy | SHAHLIP21042V012021 | Health, New | 26-05-2020 | Current list | |
| Family Health Optima | SHAHLIP21011V052122 | Health, Revision | 20-04-2021 | Current list | |
| Family Health Optima Accident Care policy | SHAHLIP18022V031718 | Health | 07-08-2017 | Current list | |
| Family Health Optima Accident Care policy | IRDAI/HLT/SHAI/P-P/V.II/166/15-16 | Health | 24-09-2015 | Current list | |
| Family Health Optima Accident Care Policy | SHAHLIP22102V052122 | Health, Individual | 07-07-2021 | Current list | |
| Family Health Optima Accident Care Policy | IRDA/NL-HLT/SHAI/P-P/V.I/166/13-14 | Health | 14-08-2013 | Current list | |
| Family Health Optima Accident Care Policy – Individual | IRDA/NL/SHAI/P/Misc(H)/2014/V.I/11-12 | General | 26-12-2011 | Current list | |
| Family Health Optima Insurance | IRDAI/HLT/SHAI/P-H/V.III/129/2017-18 | Health | 04-11-2017 | Current list | |
| Family Health Optima Insurance Plan | SHAHLIP22030V062122 | Health, Revision | 31-05-2021 | Current list | |
| Family Health Optima Insurance Plan | IRDA/NL-HLT/SHAI/P-H/V.II/129/14-15 | Health | 24-10-2014 | Current list | |
| Family Health Optima Insurance Plan | IRDA/NL-HLT/SHAI/P-H/V.I/129/13-14 | Health | 08-08-2013 | Current list | |
| Family Health Optima Insurance Policy | IRDA/NL/SHAI/P/Misc(H)/1998/V.II/10-11 | General | 08-08-2011 | Current list | |
| Group Accident Insurance Policy | SHAHLGP18123V011718 | Health | 14-03-2018 | Current list | |
| Group Arogya Sanjeevani Policy – Star Health and Allied Insurance Co Ltd | SHAHLGP22041V022122 | Health, Group | 03-06-2021 | Current list | |
| Group Arogya Sanjeevani Policy, Star Health and Allied Insurance Co. Ltd | SHAHLGP21153V012021 | Health, Group | 18-08-2020 | Current list | |
| Group Health Insurance | IRDAI/HLT/SHAI/P-H/V.I/32/15-16 | Health | 23-03-2016 | Current list | |
| Health All Care Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/168/13-14 | Health | 14-08-2013 | Current list | |
| Janata Personal Accident Insurance Policy (Group) | IRDA/NL-HLT/SHAI/P-H/V.I/105/13-14 | Health | 05-07-2013 | Current list | |
| Janatha Personal Accident Insurance Policy (Individual) | IRDA/NL-HLT/SHAI/P-P/V.I/137/13-14 | Health | 08-08-2013 | Current list | |
| Jet Privilege Group Health Insurance | IRDAI/HLT/SHAI/P-H(G)/V.I/67/2016-17 | Health, Group | 14-03-2017 | Current list | |
| Medi Classic (Group) Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/100/13-14 | Health | 05-07-2013 | Current list | |
| Medi classic Accident Care (individual) insurance policy | IRDAI/HLT/SHAI/P-P/V.II/162/15-16 | Health | 24-09-2015 | Current list | |
| Medi Classic Accident Care (Individual) Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/162/13-14 | Health | 14-08-2013 | Current list | |
| Medi Classic Accident Care Individual Insurance Policy | SHAHLIP18029V031718 | Health | 28-08-2017 | Current list | |
| Medi classic Insurance Policy (Individual) | SHAHLIP22037V062122 | Health, Revision | 31-05-2021 | Current list | |
| Medi Classic Insurance Policy (Individual) | SHAHLIP23037V072223 | Health, Revision | 13-06-2022 | Current list | |
| Medi Classic Insurance(Senior Citizen Red carpet Insurance) | IRDA/NL/SHAI/P/Misc(H)/1934/V.II/10-11 | General | 05-08-2011 | Current list | |
| Medi Classic Insurnace Policy (Individual) | IRDA/NL-HLT/SHAI/P-H/V.I/128/13-14 | Health | 08-08-2013 | Current list | |
| Medi-Premier Insurance | General | 14-04-2006 | Current list | ||
| Medi-Premier Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/174/13-14 | Health | 14-08-2013 | Current list | |
| Medicalssic Accident Care Individual Insurance Policy | SHAHLIP20121V041920 | Health, Revision | 02-04-2020 | Current list | |
| Mediclassic Accident Care (Individual) Insurance Policy | SHAHLIP21241V052021 | Health, Revision | 13-09-2020 | Current list | |
| Mediclassic Accident Care Policy – Individual | IRDA/NL/SHAI/P/Misc(H)/2013/V.I/11-12 | General | 26-12-2011 | Current list | |
| Mediclassic Insurance (group) (Revised) | General | 11-05-2006 | Current list | ||
| Mediclassic Insurance Policy | SHAHLIP20063V031920 | Health, Revision | 30-09-2019 | Current list | |
| Mediclassic Insurance Policy (Individual) | SHAHLIP21215V052021 | Health, Revision | 09-01-2020 | Current list | |
| Mediclassic Insurance Policy (Individual) | SHAHLIP21026V042021 | Health, Revision | 14-05-2020 | Current list | |
| Netplus (Old name HIV Care Policy) | General | 05-08-2011 | Current list | ||
| Privilege Group Health Insurance | SHAHLGP18083V011718 | Health | 27-11-2017 | Current list | |
| Saral Suraksha Bima, Star Health and Allied Insurance Co Ltd | SHAPAIP22039V022122 | Health, Revision | 31-05-2021 | Current list | |
| Saral Suraksha Bima, Star Health and Allied Insurance Co. Ltd. | SHAPAIP21607V012021 | Health, New | 24-03-2021 | Current list | |
| School Student Care Insurance | General | 26-04-2006 | Current list | ||
| School Student Care Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/103/13-14 | Health | 05-07-2013 | Current list | |
| Senior Citizen Red Carpet Health Insurance policy | IRDA/NL-HLT/SHAI/P-H/V.II/172/14-15 | Health | 16-06-2015 | Current list | |
| Senior Citizen Red Carpet Health Insurance Policy | SHAHLIP19101V031819 | Health, Retail | 27-12-2018 | Current list | |
| Senior Citizens Red Carpet Health Insurance Policy | SHAHLIP22040V052122 | Health, Revision | 31-05-2021 | Current list | |
| Senior Citizens Red Carpet Health Insurance Policy | SHAHLIP22199V062122 | Health, Revision | 27-01-2022 | Current list | |
| Senior Citizens Red Carpet Health Insurance Policy | SHAHLIP21265V042021 | Health, Revision | 17-09-2020 | Current list | |
| Senior Citizens Red Carpet Health Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/172/13-14 | Health | 14-08-2013 | Current list | |
| Star Cancer Benefit | SHAHLIP18041V011718 | Health | 22-09-2017 | Current list | |
| Star Cancer Care Gold (Pilot Product) | SHAHLIP21216V022021 | Health, Revision | 09-01-2020 | Current list | |
| Star Cancer Care Gold(Pilot Product) | SHAHLIP18046V011718 | Health | 17-10-2017 | Current list | |
| Star cancer care platinum insurance policy | SHAHLIP21608V012021 | Health, New | 31-03-2021 | Current list | |
| Star Cancer Care Platinum Insurance Policy | SHAHLIP22031V022122 | Health, Revision | 31-05-2021 | Current list | |
| Star Cardiac Care | SHAHLIP18006V021819 | Health, Retail | 12-04-2018 | Current list | |
| Star Cardiac Care Insurance Policy | SHAHLIP22032V052122 | Health, Revision | 31-05-2021 | Current list | |
| Star Cardiac Care Insurance Policy | SHAHLIP21264V042021 | Health, Revision | 17-09-2020 | Current list | |
| Star Cardiac Care Insurance Policy | SHAHLIP21023V032021 | Health, Revision | 14-05-2020 | Current list | |
| Star Cardiac Care Insurance Policy | IRDAI/HLT/SHAI/P-H/V.III/397/2016-17 | Health, Retail | 30-06-2016 | Current list | |
| Star Cardiac Care Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.II/397/13-14 | Health | 21-02-2014 | Current list | |
| Star Cardiac Care Insurance Policy- Platinum | SHAHLIP22033V022122 | Health, Revision | 31-05-2021 | Current list | |
| Star Cardiac Care Insurance Policy-Platinum | SHAHLIP21603V012021 | Health, New | 27-01-2021 | Current list | |
| STAR Care ‘n’ cash insurance | General | 25-06-2007 | Current list | ||
| Star Care Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/10/14-15 | Health | 24-06-2014 | Current list | |
| Star Care Micro Insurance Policy | SHAHLIP21180V022021 | Health, Revision | 28-08-2020 | Current list | |
| Star Comprehensive Insurance Policy | SHAHLIP22028V072122 | Health, Revision | 31-05-2021 | Current list | |
| Star Comprehensive Insurance Policy | SHAHLIP21263V062021 | Health, Revision | 17-09-2020 | Current list | |
| Star Comprehensive Insurance Policy | SHAHLIP21025V052021 | Health, Revision | 14-05-2020 | Current list | |
| Star Comprehensive Insurance Policy | SHAHLIP2077V041920 | Health, Revision | 11-05-2019 | Current list | |
| Star Comprehensive Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.III/398/14-15 | Health | 04-07-2015 | Current list | |
| Star Comprehensive Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.II/398/13-14 | Health | 26-02-2014 | Current list | |
| Star Corporate Travel | General | 22-06-2006 | Current list | ||
| Star Corporate Travel Protect Insurance Policy | IRDA/NL-HLT/SHAI/P-T/V.I/143/13-14 | Health | 08-08-2013 | Current list | |
| Star Critical Illness Multipay Insurance Policy | SHAHLIP22140V012122 | Health, Individual | 06-08-2021 | Current list | |
| Star Criticare Plus Insurance Policy | SHAHLIP21179V022021 | Health, Revision | 28-08-2020 | Current list | |
| Star Criticare Plus Insurance Policy | IRDA/NL-HLT/SHAI/P-H(C)/V.I/138/13-14 | Health | 08-08-2013 | Current list | |
| Star Family Delite Insurance Policy | SHAHLIP21178V022021 | Health, Revision | 28-08-2020 | Current list | |
| Star Family Delite Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/139/13-14 | Health | 08-08-2013 | Current list | |
| Star Family Travel | General | 22-05-2006 | Current list | ||
| Star Family Travel Protect Insurance Policy | IRDA/NL-HLT/SHAI/P-T/V.I/141/13-14 | Health | 08-08-2013 | Current list | |
| Star First Care | IRDAI/HLT/SHAI/COMBI/V.I/4/2016-17 | Health, Retail | 13-05-2016 | Current list | |
| Star First Classic | SHAHLIP18030V021718 | Health | 30-08-2017 | Current list | |
| Star First Classic | IRDAI/HLT/SHAI/COMBI/V.I/5/2016-17 | Health, Retail | 13-05-2016 | Current list | |
| Star First Comprehensive | SHAHLIP18036V021718 | Health | 11-09-2017 | Current list | |
| Star First Comprehensive | IRDAI/HLT/SHAI/COMBI/V.I/3/2016-17 | Health, Retail | 13-05-2016 | Current list | |
| Star First Delite | SHAHLIP18031V021718 | Health | 30-08-2017 | Current list | |
| Star First Delite | IRDAI/HLT/SHAI/COMBI/V.I/2/2016-17 | Health, Retail | 13-05-2016 | Current list | |
| Star First Micro Care | SHAHLIP18033V021718 | Health | 30-08-2017 | Current list | |
| Star First Optima | SHAHLIP18039V021718 | Health | 19-09-2017 | Current list | |
| Star First Optima | IRDAI/HLT/SHAI/COMBI/V.I/1/2016-17 | Health, Retail | 13-05-2016 | Current list | |
| Star Group Cirticare Gold | SHAHLGP19048V011819 | Health, Group | 29-08-2018 | Current list | |
| Star Group Covid Insurance Policy | SHAHLGP22147V022122 | Health, Group | 10-08-2021 | Current list | |
| Star Group COVID Insurance Policy | SHAHLGP21115V012021 | Health, Group | 18-07-2020 | Current list | |
| Star Group Critical Illness Multipay Insurance Policy | SHAHLGP22134V012122 | Health, Group | 29-07-2021 | Current list | |
| Star Group Criticare Platinum | SHAHLGP19049V011819 | Health, Group | 29-08-2018 | Current list | |
| Star Group Domestic Travel (taxi) | SHATGDP18036V011819 | Health, Group | 24-07-2018 | Current list | |
| Star Group Health Insurance | SHAHLGP23021V032223 | Health, Revision | 09-05-2022 | Current list | |
| Star Group Health Insurance | SHAHLGP21214V022021 | Health, Revision | 09-01-2020 | Current list | |
| Star Group Health Insurance | SHAHLGP19028V011819 | Health, Group | 19-06-2018 | Current list | |
| Star Group Health Insurance Benefit Plus | SHAHLGP22213V012122 | Health, New | 28-02-2022 | Current list | |
| Star Group Health Insurance for Bank Customers | SHAHLGP19102V011819 | Health, Group | 27-12-2018 | Current list | |
| Star Group Health Insurance Policy – Platinum | SHAHLGP23015V012223 | Health, Add on | 19-04-2022 | Current list | |
| Star Group Health Insurance Policy for Bank Customers | SHAHLGP21290V022021 | Health, Revision | 19-09-2020 | Current list | |
| Star Group Micro Rural and Farmers Care | SHAHMGP21625V012021 | Health, Group | 31-03-2021 | Current list | |
| Star Health and Allied Insurance Co. Ltd | SHAHLIP22231V012122 | Health, Revision | 29-03-2022 | Current list | |
| Star Health Assure Insurance Policy | SHAHLIP23017V012223 | Health, Individual | 22-04-2022 | Current list | |
| Star Health Gain Insurance Policy | General | 26-02-2009 | Current list | ||
| Star Health Gain Insurance Policy | SHAHLIP21262V032021 | Health, Revision | 17-09-2020 | Current list | |
| Star Health Gain Insurance Policy | SHAHLIP18088V021718 | Health | 30-11-2017 | Current list | |
| Star Health Gain Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/167/13-14 | Health | 14-08-2013 | Current list | |
| Star Health Premier Insurance Policy | SHAHLIP22226V012122 | Health, Individual | 11-03-2022 | Current list | |
| Star Hospital Cash Insurance Policy | SHAHLIP20046V011920 | Health, New | 08-09-2019 | Current list | |
| Star Micro Health Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/131/13-14 | Health | 08-08-2013 | Current list | |
| Star Micro Rural and Farmers Care | SHAHMIP22038V032122 | Health, Revision | 31-05-2021 | Current list | |
| Star Micro Rural and Farmers Care | SHAHMIP21242V022021 | Health, Revision | 13-09-2020 | Current list | |
| Star Micro Rural and Farmers Care | SHAHMIP20047V011920 | Health, New | 16-08-2019 | Current list | |
| Star Net Plus | SHAHLGP21267V022021 | Health, Revision | 17-09-2020 | Current list | |
| Star Net Plus | IRDA/NL-HLT/SHAI/P-H/V.I/106/13-14 | Health | 05-07-2013 | Current list | |
| Star Novel Corona Virus (n CoV)(COVID-19) Insurance Policy(Pilot Product) | SHAHLIP21047V022021 | Health, Revision | 06-03-2020 | Current list | |
| Star Out Patient Care Insurance Policy | SHAHLIP21261V022021 | Health, Revision | 17-09-2020 | Current list | |
| Star Pravasi Bharatiya Bima Yojana Policy | IRDA/NL-HLT/SHAI/P-H/V.I/277/13-14 | Health | 30-09-2013 | Current list | |
| Star Shri Family Care Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/165/13-14 | Health | 14-08-2013 | Current list | |
| Star Shri Individual Care Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/163/13-14 | Health | 14-08-2013 | Current list | |
| Star Special Care | SHAHLIP21243V022021 | Health, Revision | 13-09-2020 | Current list | |
| Star Special Care | SHAHLIP18079V011718 | Health | 04-11-2017 | Current list | |
| Star Student Travel Protect Insurance Policy | IRDA/NL-HLT/SHAI/P-T/V.I/142/13-14 | Health | 08-08-2013 | Current list | |
| Star Super Surplus (Floater) Insurance Policy | SHAHLIP22034V062122 | Health, Revision | 31-05-2021 | Current list | |
| Star Super Surplus (Floater) Insurance Policy | SHAHLIP21213V042021 | Health, Revision | 09-01-2020 | Current list | |
| Star Super Surplus (Floater) Insurance Policy | SHAHLIP21579V052021 | Health, Revision | 27-01-2021 | Current list | |
| Star Super Surplus (Floater) Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/164/13-14 | Health | 14-08-2013 | Current list | |
| Star Super Surplus Insurance Policy | SHAHLIP22035V062122 | Health, Revision | 31-05-2021 | Current list | |
| Star Super Surplus Policy- Family Floater | General | 10-09-2008 | Current list | ||
| Star Super Surplus(floater) Insurance Policy | SHAHLIP19042V031819 | Health, Retail | 31-07-2018 | Current list | |
| Star Travel Protect Insurance Policy | IRDA/NL-HLT/SHAI/P-T/V.I/140/13-14 | Health | 08-08-2013 | Current list | |
| Star True value Health Insurance Policy | SHAHLIP21177V022021 | Health, Revision | 28-08-2020 | Current list | |
| Star True Value Health Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/169/13-14 | Health | 14-08-2013 | Current list | |
| Star Unique Health Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/135/13-14 | Health | 08-08-2013 | Current list | |
| Star Wedding Gift Insurance | IRDA/NL-HLT/SHAI/P-H/V.I/133/13-14 | Health | 08-08-2013 | Current list | |
| Star Women Care Insurance Policy | SHAHLIP22217V012122 | Health, New | 03-03-2022 | Current list | |
| Super Surplus (Floater) Insurance Policy | IRDAI/HLT/SHAI/P-H/V.II/164/2016-17 | Health, Retail | 19-04-2016 | Current list | |
| Super Surplus Insurance Policy | SHAHLIP21212V042021 | Health, Revision | 09-01-2020 | Current list | |
| Super Surplus Insurance Policy | SHAHLIP21580V052021 | Health, Revision | 24-03-2021 | Current list | |
| Super Surplus Insurance Policy | SHAHLIP19128V031819 | Health, Revision | 25-02-2019 | Current list | |
| Super Surplus Insurance Policy | IRDAI/HLT/SHAI/P-H/V.II/170/2016-17 | Health, Retail | 19-04-2016 | Current list | |
| Super Surplus Insurance Policy | IRDA/NL-HLT/SHAI/P-H/V.I/170/13-14 | Health | 14-08-2013 | Current list | |
| SwasthaKutumbam | SHAHLGP18082V011718 | Health | 27-11-2017 | Current list | |
| Young Star Insuarnce Policy | SHAHLIP20132V011920 | Health, Individual | 28-02-2020 | Current list | |
| Young Star Insurance Policy | SHAHLIP22036V042122 | Health, Revision | 31-05-2021 | Current list | |
| Young Star Insurance Policy | SHAHLIP21217V032021 | Health, Revision | 09-01-2020 | Current list | |
| Young Star Insurance Policy | SHAHLIP21024V022021 | Health, Revision | 14-05-2020 | Current list |
How to read this list
IRDAI lists general and health products with their UIN and approval date, and links the product document. IRDAI keeps older entries in an archive; an archived entry may be an earlier version of a product. Source: IRDAI product lists. Insurer page: Star Health and Allied Insurance claims and complaints record.
Education only. MyFinanceBandhu is not an insurer, insurance broker or web aggregator, does not sell, quote or recommend insurance, and earns nothing from it. Product lists are copied from IRDAI’s website as published; the insurer’s own brochure and policy wording are the final word on any product.