Star Health Gain Insurance Plan

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Star Health Gain Insurance

	Objective			This policy aims to provide for both, inpatient and outpatient treatment.
Suited for			Anyone between 5 months and 60 years can be covered under this policy. It can be bought either on an individual basis or as a floater for family.
Pros			This policy can be bought online. Premium paid towards the policy qualifies for deduction under section 80D of Income Tax Act.
Cons			It extends the cover only up to 60 years of age. Constant premium leaves no choice of selecting a higher or lower OPD cover.
Our View			Before buying, one must know the limit of outpatient benefit and inpatient cover under the policy. Though the premium remains same, the coverage is modified to justify the premium cost of Rs 15,000. Also, the outpatient cover is pre-decided by the insurance company that decreases with age due to an outflow of same premium. Hence one should ensure the adequacy of cover while taking such a policy.
What does it do?			It covers outpatient treatment along with hospitalisation expenses. Outpatient treatment includes dental treatment, prenatal and postnatal care expenses. Pre-existing diseases that are denied inpatient cover for initial four years, are covered for outpatient treatment from day one. The policy charges same premium from individuals or family floater policies irrespective of the family size. Instead of changing premiums, the policy modifies the cover under each policy. There is a cap on maximum outpatient benefit that can be availed by a policyholder and other insured members (in case of floater policy) during a policy year. It also covers pre and post hospitalisation expenses and ambulance charges.
Eligibility
Entry Age (years)
Minimum		5 months
Maximum		60
Coverage Type		Individual/ Family floater
Policy Term (years)		1
Sum Insured (Rs)
Maximum		5 lakh
Minimum		1 lakh
Tax Benefit		Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Customer Service
Address		Star Health and Allied Insurance Company Limited Corporate Office: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034.
Mail to		support@starhealth.in, info@starhealth.in
Call to		1800 425 2255/ / 044 2826 3300
SMS		STAR to 56677

 

	Scope Of Cover
Cashless facility		Available at empanelled network hospitals in India
Re-imbursement		Available
Pre hospitalisation		covers medical expenses upto 30 days prior to the hospitalisation
Post Hospitalisation		lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence
In-patient hospitalisation		Covered
Room rent, boarding		2% of Sum Insured subject to a maximum of Rs. 4,000 per day in Class A cities; 1% of Sum Insured subject to a maximum of Rs 3000 per day in class B cities and 1% of Sum Insured subject to a maximum of Rs 1000 per day in other cities
Nursing expenses, Cost of Blood, Oxygen, Pacemaker, cost of drugs and medicines		covered
Emergency Ambulance		Rs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Out-patient Treatment		Covered
Pre-existing diseases		Covered
dental expenses		Covered
prenatal and postnatal care		Covered

 

	Exclusions and Waiting Period
for in patient cover
Pre existing diseases		Covered after 48 months
No claim period		Any disease contracted during the first 30 days of commencement of the policy
Waiting Period		Certain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Varicose Veins, Ulcers etc. will be covered after a period of 2 yearsCosmetic or beauty related treatmentsNaturopathy treatment
for Out patient Cover		no exclusions

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