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Star Health Gain Insurance Policy

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IRDAI UIN: SHAHLIP21262V032021

HIGHLIGHTS

Plan Essentials

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Wide Cover

Health Insurance policy specially designed to cover medical expenses incurred towards outpatient treatments and in-patient hospitalisation.
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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).
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Sum Insured

The available Sum Insured options are Rs. 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs and 5 lakhs.
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Policy Type

This policy can be availed either on an Individual or Floater basis.
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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.
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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).
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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 Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

In 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-Hospitalisation

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.

Room Rent

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the basic Sum Insured per day.

Road Ambulance

Ambulance 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 Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Modern Treatment

Expenses 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 Treatment

Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.

Co-payment

This 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 Benefit

Necessary outpatient expenses incurred at any Networked Facility in India are covered up to the benefit limits in aggregate as stated in the policy schedule.

Carry Forward Benefits

Unutilised benefits in a policy year can be carried forward to the immediately succeeding renewal year. No further carry-over is permitted.
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
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