Star Health Gain Health Insurance

While designing Health Gain plan, Star Health has kept in mind the varied health care requirements of customers. One of the important highlights of the plan is that it covers both in-patient and outpatient expenses, which is not very common in other individual and family floater plans. Major features that make this plan a good choice are-

• All the daycare procedures are included
• Cost of medicines and drugs covered
• Surgeon, Medical Practitioner, Specialist, and Consultant’s fees
• Pre-hospitalisation expenses up to 30 days before getting admitted in the hospital
• Post-hospitalisation expenses up to 60 days after the date of discharge from the hospital
• Blood, oxygen, anaesthesia, diagnostic materials, operation theatre charges, etc.
• Room, Boarding, Nursing Expenses covered up to 1% of the sum insured per day
• Ambulance charges for a maximum of Rs. 750 per hospitalisation and Rs. 1,500 per policy period
• Cover for outpatient expenses up to a certain limit (depending on the premium and sum insured opted for) 

Some more benefits that come along when you purchase this plan are given below. They do not cost you anything extra but keep you satisfied. These include:

• Tax benefits under Section 80D of the Income Tax Act
• Cashless hospitalisation provided in network hospitals
• a grace period of 30 days provided for renewal of the policy
• Portability benefit provided to the policyholders

The policy has quite a lot of benefits to offer. Apart from great flexibility, it provides wider coverage to the customers too. Also, considering the customer reviews, the plan fits the best for all your health care needs.  

To buy the plan from trusted health insurance brokers online, compare them on the basis of services they provide, major coverage features, and customer reviews online. You can also purchase the policy from the insurer’s website. But buying one from an agent is not a good option. This is because the conversation between you and the agent is not recorded, which leads to greater chances of manipulation later. Also, agents are commission based employees, and they cannot help you at the time of claim. So, health insurance brokers serve the best in this case. 

No, non-allopathic treatments like Ayurveda, Naturopathy, Siddha, Unani, Homeopathic, etc. are not covered.

Under this health insurance plan, the sum insured options ranges from Rs. 1 Lakh to Rs. 5 Lakh.

The policy term is 1 year and Star Health Gain Insurance Policy is available on individual and family floater basis.

30 days of waiting period is applicable for normal illness, other than accidents. For specific diseases and illnesses the waiting period is of 24 months and of 48 months for pre-existing ailments.