Star Health Gain Insurance Policy

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      Star Health Gain Insurance Policy

      Star Health Gain Insurance is a health insurance plan offered by Star Health and Allied Insurance Company Limited. This health insurance plan is designed to offer the best possible healthcare procedures and treatments to its policyholder as well as their families. A policyholder has full flexibility to choose the amount of sum insured, the premium he/she needs to pay, and the size of his/her family. So, this is one of the best health insurance plans offered by Star Health Insurance Company for every family that wants to safeguard their health as well as save taxes.

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      From expenses of inpatient to day-care procedure charges to medical check-ups and pre and post hospitalization, this health insurance plan provides coverage for everything. This plan comes with a range of options for Sum Insured like Rs.1 lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, and Rs.5 lakh. In addition to this, the Star Health Gain Insurance plan is available in the family floater and individual variants.

      Eligibility

      • Entry age 91 days to 65 years.
      • In family members, a policyholder can include spouse, self, dependent children up to the age of 25 years.

      Inclusions       

      • The expenses of cataract treatment are covered but up to a certain limit.
      • Offers coverage for all the day-care procedures.
      • A doctor's fee that includes the fee of a medical practitioner, surgeons, etc. is covered. Expenses of medicines are also covered.
      • The expenses incurred for availing the service of the ambulance are as well covered in this plan.
      • The facility of pre and post hospitalization of 30 and 60 days respectively are offered.

      Exclusions

      • Suicide attempt, self-destruction acts, and intentional self-inflicted injuries are not covered.
      • Treatment of congenital anomalies and defects are not covered.
      • Injury, illness, or disablement caused because of an act of war, operations in a warlike situation, civil war, etc are not covered.
      • Treatment and medication of any sexually transmitted illness or venereal ailment are not covered.
      • Injury or disease caused due to drug, intoxicant substance, alcohol, medicine, and so on is not covered.

      Features & Benefits

      • A health insurance policy that provides coverage for both outpatient and inpatient expenses.
      • Flexible premium options that can be Rs.15, 000, Rs.20, 000, Rs.25, 000, and Rs.30, 000 (plus GST).
      • Flexible option for Sum Insured for inpatient hospitalization that can be Rs.1 lakh, Rs.2 lakhs, Rs.3 lakhs, Rs.4 lakhs, and Rs.5 lakhs.
      • All the day-care procedures are covered.
      • Ambulance charges are covered that can be up to Rs.750 for every hospitalization and Rs.1500 for every policy year.

      Cancellation Policy

      A policyholder can cancel the policy by giving written notice of 15 days and in such case, the Star Health Insurance will refund the premium for the unexpired period of the policy as mentioned below:

      Period on Risk

      Premium Rate to Be Returned

      Up-to one month

      25% of the yearly premium

      More than one month and up to 3 months

      40% of the yearly premium

      More than three months and up to 6 months

      60% of the yearly premium

      More than six months and up to 9 months

      80% of the yearly premium

      More than 9 months

      Full yearly premium

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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