Star Health Gain Insurance Plan

It is a offering cover for a wide range of illness, disease and injuries. A flat amount of premium has to be paid irrespective of the sum insured and the number of people covered under the plan.

Features & Benefits of Star Health Gain:

Entry age Minimum age: 5 months Maximum age: 60 years
Policy term 1 year
Type of plan
  • Individual health insurance
  • Family floater health insurance
Sum Insured Minimum- Rs.1 lakh Maximum- Rs.5 lakh
Cover
  • Hospitalisation expenses
  • Nursing expenses
  • Pre hospitalisation expenses
  • Post hospitalisation expenses
  • Emergency ambulance charges
  • Cost of medicine and drugs
  • Doctor’s fee
Key features
  • Coverage for both in-patient and out-patient treatment under one policy
  • Pre-existing diseases are covered after 48 months of continuous insurance
  • Unutilized amount under outpatient benefit can be carried forward to the next one year
Benefits
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Tax benefits
  • Specific day care procedures
Tax benefits Tax benefits under section 80D of the Income Tax Act
Free look period A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied they can seek cancellation of the policy and in such event the company will allow refund of premium after adjusting the cost of the expenses incurred at the time of availing the policy.
No claim discount A discount of upto 10% is granted on a claim free year on renewable premium
Exclusions
  • No claim period- Any disease contracted during the first 30 days of commencement of the policy
  • Pre-existing diseases aren’t covered in the first 48 months of the policy
  • Waiting period of one year for diseases like hernia, piles, sinusitis, etc. and waiting period of 2 years for Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Varicose Veins, Ulcers etc.

Read terms, conditions and exclusions mentioned in the health insurance policy document.

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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