| Combine the financial prudence of a significant Tax saving with the necessary health cover for your family. Avail of the maximum tax benefit with Star Health Gain Insurance paying a very affordable premium. Whats more, it extends both outpatient and inpatient hospitalization expenses. Two facets of gain indeed. |
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| Major Product Features |
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Flat amount of Rs 15,000 only irrespective of the sum insured or age of the persons or number of persons covered. |
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Coverage for both inpatient and outpatient treatments under one health insurance policy |
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Any unutilized amount under outpatient benefit can be carried forward to the next one year. |
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| Who can take this health insurance plan? |
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Any person aged between 5 months and 60 years can be covered under this insurance. |
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| Pre-Existing Diseases / Illness |
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Are covered after 48 months of continuous insurance with us |
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| Policy Benefits - Outpatient coverage |
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You are covered for outpatient limits also. |
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| Limit of Outpatient Benefits for Individuals |
| Individual |
Limit of Outpatient Benefits for Individuals Sum |
| Sum insured for IP (Rs) |
1,00,000 |
2,00,000 |
3,00,000 |
4,00,000 |
5,00,000 |
| 5mths-45yr |
8,700 |
7,750 |
7,000 |
6,250 |
5,750 |
| 46-55yr |
7,900 |
6,350 |
5,200 |
3,000 |
NA |
| 56-60yr |
7,500 |
5,800 |
3,700 |
NA |
NA |
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Maximum Outpatient Treatment Benefit for Various Family Sizes |
| Family Size |
Limit of Outpatient Benefits for Individuals Sum |
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Sum insured
for IP (Rs) |
1,00,000 |
2,00,000 |
3,00,000 |
4,00,000 |
5,00,000 |
| 2A |
5mths-35yr |
8400 |
7400 |
6750 |
5900 |
5250 |
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36y-45y |
8400 |
7400 |
6500 |
5500 |
4900 |
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46-55y |
NA |
5650 |
4000 |
2000 |
NA |
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56-60y |
NA |
5000 |
2250 |
NA |
NA |
| 1A+1C |
5mths-35yr |
8500 |
7700 |
6950 |
5750 |
5500 |
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36y-45y |
8500 |
7500 |
6750 |
5750 |
5250 |
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46-55y |
NA |
5850 |
4500 |
2400 |
NA |
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56-60y |
NA |
5200 |
2250 |
NA |
NA |
| 1A+2C |
5mths-35yr |
8450 |
7500 |
6900 |
6000 |
5500 |
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36y-45y |
8450 |
7250 |
6650 |
5750 |
5000 |
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46-55y |
NA |
5750 |
4450 |
2250 |
NA |
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56-60y |
NA |
5150 |
2250 |
NA |
NA |
| 1A+3C |
5mths-35yr |
8350 |
7400 |
6650 |
5750 |
5250 |
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36y-45y |
8350 |
7200 |
6450 |
5500 |
4750 |
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46-55y |
NA |
5500 |
4000 |
NA |
NA |
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56-60y |
4750 |
2250 |
NA |
NA |
NA |
| 2A+1C |
5mths-35yr |
8250 |
7250 |
6600 |
5750 |
5000 |
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36y-45y |
8250 |
7000 |
6150 |
5450 |
4500 |
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46-55y |
NA |
5250 |
3750 |
NA |
NA |
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56-60y |
NA |
4500 |
1500 |
NA |
NA |
| 2A+2C |
5mths-35yr |
8250 |
7000 |
6500 |
5500 |
4650 |
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36y-45y |
8250 |
7000 |
5950 |
5000 |
3750 |
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46-55y |
NA |
5000 |
3500 |
NA |
NA |
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56-60y |
NA |
4250 |
1500 |
NA |
NA |
| 2A+3C |
5mths-35yr |
8250 |
7000 |
6250 |
5250 |
4250 |
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36y-45y |
8250 |
6700 |
5750 |
4900 |
3700 |
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46-55y |
NA |
4750 |
3250 |
NA |
NA |
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56-60y |
NA |
4000 |
1150 |
NA |
NA |
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| A - Adult C - Child IP - Inpatient NA - Plan Not Available |
| Other pre - and post - hospitalisation benefits |
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Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay). |
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Hospitalisation expenses under the following heads are payable: |
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Room rent or boarding upto 2% of the sum insured, subject to a maximum of Rs 4000 per day in Class A cities; 1% of the sum insured, subject to a maximum of Rs 3000 per day in Class B cities; 1% of the sum insured, subject to a maximum of Rs 1,000 per day in subject to a maximum of Rs 1000 per day in other locations. |
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Nursing charges. |
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Surgeons, consultants and anaesthetists fees. |
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Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses. |
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Drugs and medicines. |
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Emergency ambulance charges for transporting the patient to the hospital upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1,500. |
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Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home. |
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Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based). |
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| Policy Premium |
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Low premium of just Rs 15,000 inclusive of Service Tax. |
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| Tax Benefit |
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Premium paid for this insurance is eligible for relief under Section 80D of the IT Act. |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement. |
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Faster & hassle-free claim settlement. |
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Cashless hospitalization. |
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Network of more than 5400 hospitals across India |
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24x7 Toll- free Helpline |
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Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 / 1800 102 4477 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: benefits mentioned herein are only an outline of the policy. For complete details, please contact your nearest Star Health office. |
