The Star Health Gain Insurance Policy from Star Health Insurance is designed to offer comprehensive health and accidental coverage to individuals and families. This plan protects policyholders against unexpected medical and hospitalization expenses. This policy Star Health Gain Insurance Policy comes in a wide range of sum insured options such as INR 1 Lakh, INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, and INR 5 Lakh, making it a versatile choice for a wide range of healthcare needs.
Highlights of Star Health Gain Insurance Policy
Below are the specifications of the Star Health Gain Insurance Policy from Star Health Insurance:
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Entry Age
For Adults: 18 Years to 65 years For Child: 91 days to 25 years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
INR 1 lakh, INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, INR 5 Lakh
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Policy Term
1 Year
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Pre-medical Test
Above 50 years of age
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Waiting Period for Pre-Existing Disease
48 months
Eligibilities to buy Star Health Gain Insurance Policy
Below is the eligibility of the Star Health Gain policy:
- Individual
- Family Floater
Entry Age: 18 Years to 65 years (For Adults)
Entry Age: 18 Years to 65 years (For Adults), 91 Days to 25 Years (For Children)
Policy Term: 1 Year
Coverage Benefits Offered Under Star Health Gain Insurance Policy
The Star Health Gain Insurance Policy is a comprehensive health insurance plan that provides extensive coverage benefits for individuals and families. It offers various features to ensure financial protection against various medical expenses. Below are the detailed coverage benefits offered under this policy:
- 1 Lakh to 5 Lakhs
Room Rent
Covered up to 1% of SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 Days
Post-Hospitalization
Covered up to 60 Days
Daycare Treatments
All Daycare Treatments Covered
Cataract
Covered
Modern Treatment
Covered
Ambulance Cover
Covered up to INR 750 per hospitalization and INR 1500 per policy period
Co-Payment
20% on every claim
Star Health Gain Insurance Policy Exclusion
Below is the list of diseases and conditions that the Star Health Gain Policy does not cover:
- Obesity / Weight Control
- Change-of-Gender treatments
- Cosmetic or plastic Surgery
- Hazardous or Adventure sports
- Breach of law
- Treatment for drug, alcoholism, or substance abuse or any addictive condition
- Refractive Error
- Unproven Treatments
- Sterility and Infertility
- Maternity
- Circumcision
- Congenital External Conditions / Defects / Anomalies
- Intentional self-injury
- Injury/disease caused by or arising from or attributable to war, invasion, the act of a foreign enemy, war-like operations
- Inoculation or Vaccination
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Listed Ailments: 24 months
- Pre-existing Diseases: 48 months
- Initial Waiting Period: 30 Days
Star Health Gain Insurance Policy Additional Benefits
Star Health Gain Insurance Policy offers additional benefits to enhance policyholders' overall protection and convenience. These additional benefits include:
Star Wellness Program
The Star Health Gain Insurance Policy rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:
| Wellness Points | Discount in Premiums |
|---|---|
| 200 to 350 | 2% |
| 351 to 600 | 5% |
| 601 to 750 | 7% |
| 751 to 1000 | 10% |
Diagnostics Centers
Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.
E-Pharmacy
Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pickup.
Cataract Treatment
Star Health Gain Insurance policy covers the expenses that arise due to cataract treatment is subject to the limits as per the below-mentioned table:
| Sum Insured | Limit per eye | Limit per policy period |
|---|---|---|
| INR 1 Lakh and INR 2 Lakh | Up to INR 12K per eye per policy period | |
| INR 3 Lakh | Up to INR 25K | Up to INR 35K |
| INR 4 Lakh | Up to INR 30K | Up to INR 45K |
| INR 5 Lakh | Up to INR 40K | Up to INR 60K |
Ambulance Cover
Ambulance expenses are covered up to INR 750 per hospitalisation and INR 1.5K per policy period for transportation of the insured person to the hospital by private ambulance service.
Co-Payment
Every insured who is 61 years of age or older at the time of purchasing the policy will have to pay a 20% co-payment on every claim.
Modern Treatment
Expenses arise due to modern treatments are covered up to the limit mentioned in the table below:
| Coverage for Modern Treatment | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sum Insured | Uterine artery | Balloon Sinuplasty | Deep Brain Stimulation | Oral Chemotherapy* and Post Hospitalisation | Immunotherapy-Monoclonal injection | Intra Vitreal injections | Robotic surgeries | Stereotactic radio surgeries | Bronchial Thermoplasty | Vaporisation of the prostate holmium laser treatment) | IONM-(Intra Operative) | Stem cell therapy: bone marrow transplant for |
| INR 1 Lakh | INR 25K | INR 10K | INR 50K | INR 25K | INR 50K | INR 10K | INR 50K | INR 50K | Up to the sum insured | INR 50K | ||
| INR 2 Lakh | INR 50K | INR 20K | INR 1L | INR 50K | INR 1L | INR 20K | INR 1L | INR 1L | INR 1L | |||
| INR 3 Lakh | INR 75K | INR 30K | INR 1.5L | INR 75K | INR 1.5L | INR 30K | INR 1.5L | INR 1.5L | INR 1.5L | |||
| INR 4 Lakh | INR 1L | INR 40K | INR 2L | INR 1L | INR 2L | INR 40K | INR 2L | INR 1.75L | INR 2L | |||
| INR 5 Lakh | INR 1.25L | INR 50K | INR 2.5L | INR 1.25L | INR 2.5L | INR 50K | INR 2.5L | INR 2L | INR 2.5L | |||
Outpatient Benefit
Expenses that arise due to OPD treatments from any network hospital are covered under this plan. Also, the unutilized amount will be carried forward to the next policy year on renewal.
