Star Health Gain Insurance Policy
IRDAI UIN: SHAHLIP21262V032021
HIGHLIGHTS
Plan Essentials
Wide Cover
Flexible Policy
Sum Insured
Policy Type
Entry Age
Flexible Premium Options
Income Tax Benefit
DETAILED LIST
Understand what’s included
SECTION I - In-Patient Hospitalization
In-patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered. |
Post-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered. |
Room RentRoom, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the basic Sum Insured per day. |
Road AmbulanceAmbulance charges are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period for transportation of the insured person to the hospital by private ambulance service. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Modern TreatmentExpenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause. |
AYUSH TreatmentMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
Cataract TreatmentExpenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause. |
Co-paymentThis policy is subjected to a Co-payment of 20% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above. |
SECTION II - Outpatient Benefit
Outpatient BenefitNecessary outpatient expenses incurred at any Networked Facility in India are covered up to the benefit limits in aggregate as stated in the policy schedule.
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Carry Forward BenefitsUnutilised benefits in a policy year can be carried forward to the immediately succeeding renewal year. No further carry-over is permitted.
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STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
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Star Health Gain Insurance Policy (UIN: SHAHLIP21262V032021)
What is a Health Gain Insurance Policy?
Health Gain Insurance Policy is a policy that offers full flexibility in selecting the sum insured you need, the premium you like to pay and the family size you like to choose. Health Gain Insurance Policy has many features. This plan will help you meet the medical costs during any medical emergency. This plan may serve as a boon for many people.
Star Health Insurance offers the Star Health Gain Insurance Policy with a reasonable approach to your important healthcare expenses. This plan provides not just extensive and flexible coverage but also affordable premiums for the customers to stay protected against unforeseen hospitalizations.
Any person aged between 18 years and 65 years can take this insurance for his/her family consisting of Self, spouse, and dependent children. Dependent child can be covered from 91 days to 25 years.
With Sum Insured options from Rs. 1 Lakh to Rs. 5 Lakhs, this plan comes with 2 sections - In patient hospitalization expenses and Out patient expenses. The customers can choose the Premium and Sum Insured that they want and get the flexibility to select the limit for out-patient expenses cover.
Section I:
- Room, boarding and nursing expenses are covered up to 1% of the basic Sum Insured per day
- Emergency Ambulance charges can be covered up to Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period
- All day care procedures are covered
- Cataract and modern treatments covered up to the limits specified in the schedule
- Coverage for Pre & post hospitalization (30 days and 60 days) expenses.
Section II:
Outpatient Benefit covers cost of treatment incurred as an outpatient at any Networked Facility in India where the unutilized amount under this benefit can be carried forward only once to the next policy year on renewal.
With complete flexibility in choosing Sum Insured the customer needs, premium he/she wishes to pay and family size they would like to opt for, Star Health Gain Insurance Policy is ideal for the health care needs covering both inpatient & outpatient treatments of a customer and becomes the perfect Tax Saver Policy.
Exclusions of Health Gain Insurance Policy
The features of the Health Gain policy tell you what is included in the plan. Though there are many things included, there are some exclusions in the Health Gain Insurance Policy. Let’s have a look at the Exclusions of Health Gain Insurance Policy.
- Expenses associated with the treatment of a pre-existing Disease (PED) will not be excluded until the expiry of 36 months of continuous policy coverage after the date of inception of the first policy with the insurance company.
- It will not provide coverage for some specified disease/procedure waiting periods.
- Expenses related to the treatment of any illness before 30 days from the first policy commencement date will not be included except for claims arising because of an accident.
- Expenses associated with any admission, basically for diagnostics and evaluation purposes only, are not included.
- The cost of rest cure, rehabilitation and respite care are not included.
- Expenses associated with the Obesity or Weight Control treatment are not included in the Health Gain Policy.
- Change of gender treatment costs are not included in this plan.
- Expenses associated with the cosmetic or plastic surgery are excluded.
- Hazardous or Adventure sports-related expenses are not included in this plan.
- Expenses associated with the treatment for Alcoholism, drug abuse or any addictive condition and consequences are not included here.
- Expenses associated with any unproven treatments, services and supplies will not be included in this plan.
- Expenses related to sterility and infertility are not included.
- Maternity-associated treatment expenses are excluded.
- Expenses associated with the Congenital External Condition / Defects / Anomalies are excluded.
- Expenses connected to the injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials are not included this plan.
- Costs incurred on Enhanced External Counter Pulsation Therapy are not included.
Health Gain Policy Eligibility
As per the Health Gain Policy wordings, the eligibility for buying the Health Gain Policy is given below:
- Any individual who is aged between 18 years and 65 years, and is a resident in India, can take this insurance.
- Any Family: Proposer, spouse, dependent children from 91 days up to 25 years (children economically dependent on their parents).
- Health Insurance Limit Checking will tell you who is eligible for this Health Gain Policy.
How do you choose Health Insurance Plans for family?
There are many things that has to be followed while you choose a health insurance plan for your family. Here are some tips to opt an health insurance for family.
- Choose a type of plan that fits your health needs.
- Select an adequate sum insured amount.
- Choose a plan closer to your desired coverage.
- Select plans with No Sub-limits/ Co-payments.
- Opt for plans that have a Lower PED Waiting Period.
- Select the plans with Restoration Benefit and Annual Health Check-ups.
- Choose the plans with Wider Pre & Post-Hospitalization Expenses Coverages.
- Clearly read the list of exclusions in the policy.
- Choose plans with needed riders and add-ons.
- Select an insurance company that has a High Claim Settlement Ratio.
- Check the reputation of the Insurance Company that you choose.
- Make sure that you compare Multiple Health Insurance Plans.
To know each and every feature present in the Health Gain policy, you can download the Health Gain Brochure from the official website.
Related Health Insurance Products
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply.