Star health gain
Star Health Insurance
6.0/10
OneAssure Rating
6.0/10
OneAssure Rating
Highlighted Features
Room Rent (Normal & ICU)
This policy includes room rent coverage, offering a single private room for normal hospitalization.
Advanced Treatments
Coverage includes advanced treatments such as coronary angiography, cancer radiotherapy, chemotherapy, and palliative care, ensuring access to essential medical support during critical times.
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Our Verdict
Star Health Gain offers flexible sums insured and carries forward unused outpatient benefits, a unique plus. Add-ons like Claim Guard and AYUSH enhance coverage. Ideal for families and individuals seeking comprehensive inpatient and outpatient care with potential tax benefits.
About the Plan
Star Health's Health Gain Insurance Policy is a versatile health insurance plan that offers coverage for both inpatient and outpatient treatments under a single policy. Policyholders have the flexibility to choose their desired sum insured, with options ranging from ₹1 lakh to ₹5 lakhs, and can select premium amounts of ₹15,000, ₹20,000, ₹25,000, or ₹30,000, exclusive of applicable taxes. The policy is available on both individual and family floater bases, accommodating up to two adults and three dependent children aged between 91 days and 25 years. Notably, any unutilized outpatient benefit can be carried forward to the next policy year, ensuring that policyholders maximize their benefits. Eligibility extends to individuals aged 18 to 65 years, with the provision for policy renewals beyond 65 years. Additionally, premiums paid towards this policy are eligible for income tax benefits under Section 80D of the Income Tax Act, 1961.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: single private A/C room
ICU: no limit
Advanced Treatments
Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.
Co-payment
This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.
Waiting Periods
Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents.
Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers
14,000+ network hospitals.
Day Care Treatments
All day care procedures are covered.
AYUSH Treatment
Covered by the policy.
Exclusions
Pre-existing diseases are excluded for the first 36 months of continuous coverage.
Certain treatments like cataracts, ENT disorders, and joint replacements are excluded for the first 24 months.
Illnesses contracted within the first 30 days of policy inception are not covered, except for accidents.
Expenses related to cosmetic or plastic surgery unless necessary due to an injury or disease are excluded.
Treatments related to alcohol or drug abuse, self-inflicted injuries, and suicide attempts are not covered.
Expenses for obesity treatments, weight control procedures, and bariatric surgery are not covered unless specified.
Exclusions
Enhanced Room Rent Limit - Increases hospital room rent coverage, allowing access to better room categories during hospitalization.
Claim Guard - Covers specified non-medical expenses, ensuring fewer out-of-pocket costs for policyholders during hospitalization.
Modern Treatment Cover - Extends coverage for advanced medical procedures and treatments, aligning with the base policy’s sum insured.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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