Star Gain Insurance

Star Health Gain Insurance is the policy that despite a reassuringly low premium, offers both outpatient and inpatient hospitalization expenses cover with maximum tax benefits.

• Flat amount of Rs 14,725 only irrespective of the sum insured or age of the persons or number of persons covered.
• Coverage for both inpatient and outpatient treatments under one health insurance policy
• Carry forward any unutilized amount under outpatient benefit to the next one year.
• Any person aged between 5 months and 60 years can be covered under this insurance.
• Get coverage for Pre-Existing Diseases / Illness after 48 months of continuous insurance with Star Health Insurance
• Get coverage for outpatient limits also.

Other pre- and post-hospitalization benefits

Expenses incurred in a hospital for inpatient hospitalization (minimum 24-hour stay).

Hospitalisation expenses under the following heads are payable:

• Room rent or boarding upto 2% of the sum insured, subject to a maximum of Rs 4000 per day in Class A cities; 1% of the sum insured, subject to a maximum of Rs 3000 per day in Class B cities; 1% of the sum insured, subject to a maximum of Rs 1000 per day in subject to a maximum of Rs 1000 per day in other locations.
• Nursing charges.
• Surgeons, consultants and anesthetists fees.
• Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses.
• Drugs and medicines.
• Get coverage for ambulance charges in case of emergency upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1500.
• Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home.
• Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based).
• Low premium of just Rs 14,725 inclusive of Service Tax.
• Get tax benefits on premium paid for this insurance under Section 80D of the IT Act.