*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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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.
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.
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
Ans:Yes, the policy offers the feature of 20% co-payment on every claim amount for policyholders who are more than 60 years at the time of purchasing the policy.
Ans:Under Star Health Gain Insurance policy, the option of sum insured ranges from Rs.1 lakh to Rs.5 lakhs.
Ans:No, the insurance policy does not offer cover for non-allopathic treatments like Naturopathy, Ayurveda, Unani, Homeopathic, Siddha, etc.
Ans:The term of the policy one year and the policy is available on a family floater and individual basis.
Ans:Yes, the policy covers all day-care procedures and treatments.
Ans:Yes, this health insurance plan of Star Health Insurance Company has a waiting period of 30 days for normal diseases other than accidents. For some specific illnesses and diseases, the waiting period is 24 months and for pre-existing ailments, it is 48 months.
Ans:Yes, premium options are available under this plan. These options are – Rs.15, 000, Rs.20, 0000, Rs.25, 000, Rs.30, 000 per year excluding the GST.
Ans:Yes, this insurance policy offers cover for pre and post-hospitalization for 30 days and 60 days respectively.
Ans:Rs.750 is offered as the charge of the ambulance for each hospitalization, whereas Rs.1500 is provided for every policy period.
Ans:The customer care number for Star Health Insurance policy is 1800 – 425 – 2255.
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