Star Gain Insurance

Star Gain Insurance

With the perfect balance between insurance and tax benefit – Star Health Gain Insurance is the policy just for you. Despite a reassuringly low premium, it offers both outpatient and inpatient hospitalization expenses cover with maximum tax benefits. Sure enough, the best of both worlds is now yours.

Major Product Features

• Flat amount of Rs 14,725 only irrespective of the sum insured or age of the persons or number of persons covered.
• Coverage for both inpatient and outpatient treatments under one policy.
• Any unutilized amount under outpatient benefit can be carried forward to the next one year.

Policy Benefits

• Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay).
• Expenses under the following heads are payable:
• a) 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 1000 per day in subject to a maximum of Rs 1000 per day in other locations.
• b) Nursing charges.
• c) Surgeons, consultants and anesthetists fees.
• d) Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses.
• e) Drugs and medicines.
• f) Emergency ambulance charges for transporting the patient to the hospital upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1500.
• Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home.
• Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based).

Eligibility

• Any person aged between 5 months and 60 years can be covered under this insurance.

Policy Premium

• Low premium of just Rs 14,725 inclusive of Service Tax.

Tax Benefit

• Premium paid by Cheque or DD A/c Pay, STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED. is eligible for relief as provided under Section 80 D of the Income Tax Act..

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

Maximum Outpatient Treatment Benefit for Various Family Sizes

Family Size	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
2A	5mths-35yr	8400	7400	6750	5900	5250
	36y-45y	8400	7400	6500	5500	4900
	46-55y	NA	5650	4000	2000	NA
	56-60y	NA	5000	2250	NA	NA
1A+1C	5mths-35yr	8500	7700	6950	5750	5500
	36y-45y	8500	7500	6750	5750	5250
	46-55y	NA	5850	4500	2400	NA
	56-60y	NA	5200	2250	NA	NA
1A+2C	5mths-35yr	8450	7500	6900	6000	5500
	36y-45y	8450	7250	6650	5750	5000
	46-55y	NA	5750	4450	2250	NA
	56-60y	NA	5150	2250	NA	NA
1A+3C	5mths-35yr	8350	7400	6650	5750	5250
	36y-45y	8350	7200	6450	5500	4750
	46-55y	NA	5500	4000	NA	NA
	56-60y	NA	4750	2250	NA	NA
2A+1C	5mths-35yr	8250	7250	6600	5750	5000
	36y-45y	8250	7000	6150	5450	4500
	46-55y	NA	5250	3750	NA	NA
	56-60y	NA	4500	1500	NA	NA
2A+2C	5mths-35yr	8250	7000	6500	5500	4650
	36y-45y	8250	7000	5950	5000	3750
	46-55y	NA	5000	3500	NA	NA
	56-60y	NA	4250	1500	NA	NA
2A+3C	5mths-35yr	8250	7000	6250	5250	4250
	36y-45y	8250	6700	5750	4900	3700
	46-55y	NA	4750	3250	NA	NA
	56-60y	NA	4000	1150	NA	NA
A - Adult C - Child IP - Inpatient NA - Plan Not Available

Claims Procedure

• Inform the ID number for easy reference
• In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
• In case of emergency hospitalization, information to be given within 24 hours after hospitalization
• In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents

How to buy this insurance?

• Please contact us through our Help Line 099946 12916, 093628 5443 / SMS /