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Star Health Gain Health Insurance

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Star Health Insurance
Star Health Gain
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Health Gain Health Insurance

Star Health Gain is a medical insurance policy powered by Star Health and Allied Insurance Co. Ltd. The plan is designed with the aim to provide the best possible medical treatments and procedures to individuals as well as families. The insurance plan offers complete flexibility in choosing the Sum Insured (SI) amount, premium need to be paid, and the family size they wish to opt for. In short, Star Health Gain insurance policy is perfect for every family, which takes care of their health, and it also works as a great tax saving instrument too.

The plan provides various medical coverage to policyholders that range from inpatient expenses, charges for daycare procedures, pre and post hospitalisation, medical checkups, cataract treatment, and so on. It comes with a range of Sum Insured options such as Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh and Rs. 5 Lakh. Further, the Star Health Gain is available on an individual and family floater basis.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses incurred on the treatment of cataract is covered up to a limit
  • Coverage for all day care procedures is available under the plan
  • Emergency ambulance charges are also covered up to a limit
  • Fee of doctor, medical practitioner, surgeon, medicines etc., are covered
  • Medical expenses incurred up to 30 days prior to the date of admission and 60 days after discharge from the hospital

What's Not Included

  • Attempted suicide, intentional self-inflicted injury, acts of self-destruction, etc.
  • Illness, injury or disablement caused due to an act of war, civil war, or operations in warlike situation, etc.
  • Coverage for the treatment of congenital defects and anomalies is not available
  • Medication and treatment for any venereal ailment or illness that is sexually transmitted
  • Disease or injury caused due to intoxicant substance, drug, medicine, alcohol, and so on

2658 Star Cashless Network Hospitals in India

Star Health Gain User Reviews

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Star Health Gain Expert Review

  • Expert Review

    When you want a health insurance cover for yourself and your family members, it is often hard to decide-Which health insurance policy to buy, Individual or Family floater? This is because some offer certain benefits when you purchase a separate cover for the members, and some do it vice versa. In order to provide cover for all members under the same plan without compromising with benefits, Star Health gets you the one in all solution under its Health Gain Plan.

    Star Health Gain is a kind of health insurance that fulfills the health care requirements of both individuals and families even with variation in age and medical necessities. It can be counted as one of the pros of considering this policy, that it gives you the flexibility to choose the amount premium you wish to pay and sum insured you require. Premium options that you can choose from start at Rs. 15,000 and go up till Rs. 30,000 (applicable GST extra). Whereas the sum insured options that are available range from Rs. 1 Lakh to Rs. 5 Lakh. The plan also offers complete flexibility in deciding on the size of family you want to cover, provided he/she is aged between 91 days to 65 years. Which means you may include yourself, your spouse, and dependent children of up to 25 years if they fulfill the age criteria. 

  • Major Attractions

    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) 
  • What’s More?

    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
  • Conclusion

    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. 

Star Star Health Gain Brochure

  • 224.44 KB
  • PDF Document
  • Apr 17, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Star Health Gain Health Insurance Plan

  • Is there any co-payment feature present in the policy?

    Yes, 20% co-payment is there on every amount of claim for insured members who were above 60 years of age at the time of entry in the policy.

  • Are alternative treatments covered under Star Health Gain Insurance Policy?

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

  • What is the offered range of sum insured amounts under this insurance Plan?

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

  • What is the policy term and availability for Star Health Gain Insurance Policy?

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

  • How much waiting period is applicable as per this plan?

    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.

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