Star Health Gain Insurance Plan

Entry age

Minimum age: 5 months Maximum age: 60 years

Policy term

1 year

Type of plan

1. Individual health insurance
2. Family floater health insurance

Sum Insured

Minimum- Rs.1 lakh Maximum- Rs.5 lakh

Cover

1. Hospitalisation expenses
2. Nursing expenses
3. Pre hospitalisation expenses
4. Post hospitalisation expenses
5. Emergency ambulance charges
6. Cost of medicine and drugs
7. Doctor's fee

Key features

1. Coverage for both in-patient and out-patient treatment under one policy
2. Pre-existing diseases are covered after 48 months of continuous insurance
3. Unutilized amount under outpatient benefit can be carried forward to the next one year

Benefits

1. Ambulance charges for emergency transportation to hospital as per specified limits.
2. Tax benefits
3. 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

1. No claim period- Any disease contracted during the first 30 days of commencement of the policy
2. Pre-existing diseases aren't covered in the first 48 months of the policy
3. 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.