Star Health Gain Insurance Plan: Benefits, Buy & Renew Online

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

Q 1: Does this policy offer a co-payment feature?

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.
Q 2: What is the range of sum insured offered by this insurance policy?

Ans:Under Star Health Gain Insurance policy, the option of sum insured ranges from Rs.1 lakh to Rs.5 lakhs.
Q 3: Does Star Health Gain Insurance policy offer alternate treatment?

Ans:No, the insurance policy does not offer cover for non-allopathic treatments like Naturopathy, Ayurveda, Unani, Homeopathic, Siddha, etc.
Q 4: What is the term of the policy and availability of the Star Health Gain Insurance plan?

Ans:The term of the policy one year and the policy is available on a family floater and individual basis.
Q 5: Are day-care procedures covered under the Star Health Gain plan?

Ans:Yes, the policy covers all day-care procedures and treatments.
Q 6: Is the waiting period applicable to this plan?

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.
Q 7: Does this policy offer options for premium?

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.
Q 8: Does this policy provide pre and post hospitalization cover?

Ans:Yes, this insurance policy offers cover for pre and post-hospitalization for 30 days and 60 days respectively.
Q 9: What is the amount that is provided at the expense of an ambulance under this plan?

Ans:Rs.750 is offered as the charge of the ambulance for each hospitalization, whereas Rs.1500 is provided for every policy period.
Q 10: What is the customer care number of Star Health Insurance Company where I can call and inquire about my Star Health Gain Policy?

Ans:The customer care number for Star Health Insurance policy is 1800 – 425 – 2255.

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