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.

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

Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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