Star Health Gain Insurance Policy
IRDAI UIN: SHAHLIP21262V032021
HIGHLIGHTS
Plan Essentials
Wide Cover
Health Insurance policy specially designed to cover medical expenses incurred towards outpatient treatments and in-patient hospitalisation.
Flexible Policy
This policy can be opted on an Individual or Floater basis. It includes self, spouse and dependent children (covered from 91 days to 25 years).
Sum Insured
The available Sum Insured options are Rs. 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs.
Policy Type
This policy can be availed either on an Individual or Floater basis.
Entry Age
Any person aged between 18 and 65 years can avail this policy. Dependent children are covered from the 91st day onwards up to 25 years.
Flexible Premium Options
The flexible premium options under this policy are Rs. 15,000/-, Rs. 20,000/-, Rs. 25,000/- and Rs.30,000/-( applicable GST extra).
Income Tax Benefit
All premiums paid towards Health Insurance by any mode other than cash are exempted from income tax under Section 80D of Income Tax Act, 1961.
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. |
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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Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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