Star Health Gain Insurance Policy

What is the Plan all About?

To attain a perfect combination between health insurance benefits and tax benefits, Star Health Gain is the appropriate plan for you.This plan offers financial support for the expenses of in-patient hospitalization and outpatient hospitalization with maximum tax benefits.

Key Features

Option to take a policy on individual/floater basis
Lifelong renewal of the policy is offered
Tax benefits under section 80 D of IT Act.
Fixed premium across all Sum Insured ranges and age groups.
Pre Acceptance medical screening exempted upto 50 years of the insured’s age
7800 plus lists of network hospitals

Policy Benefits

The plan covers expenses for in-patient hospitalization for a minimum stay of 24 hours.
Pre hospitalization expenses are covered 30 days prior to being admitted in the hospital.
Post hospitalization expenses are paid as a lumpsum upto the specified limit in the policy.
The policy provides cover for the outpatient expenses as per the limits specified in the policy.
The special feature of this policy is that the premium payable is uniform irrespective of the age or the sum insured - Amount payable is Rs.15219/- (including GST).

Value Added Benefits

Ambulance service charges are covered for emergency transportation to and from the hospital are covered as per the specified limits.
No claim discount offered is10% of the basic sum insured for every claim-free year.
Lifelong Renewability.
Unutilized amount towards out patient benefits can be carried forward to the next policy year.
24* 7 Toll free helpline for the customers.
Tax benefits can be availed under section 80D of Income Tax Act,1961.
Facility for keeping personal health records in electronic format.

Sub Limits

Room, boarding, nursing expenses are capped at 2% of the sum insured subject to Rs 4,000 per day in class A cities, 1% of the sum insured subject to Rs 3,000 per day in class B cities, 1% of the sum insured subject to Rs 1,000 per day for other locations.
Emergency Hospitalization expenses are limited to Rs 750 per hospitalization and Rs 1,500 per policy period.
Outpatient benefits sublimits vary as per the sum insured opted and the cover opted i.e individual/family cover.

Waiting Period Clause

Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult: 18 Years, Children: 5 Months	Adult: 65 Years, Children: 25 Years
Sum Assured	1Lacs	5 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-