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All about Star Health Insurance and Plans
Star Health Insurance
Star Health Gain Insurance Policy
An individual and family floater health insurance policy designed to c ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Health Gain Insurance Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Star Health Gain Insurance Policy, offered by Star Health, is a medical insurance policy designed specifically to provide the best possible medical treatments and procedures to individuals as well as families. The Star Health Gain Plan is unique, offering flexibility in choosing the Sum Insured (SI) amount, premium, and desired family coverage.
Star Health Gain Policy is an ideal choice for families looking to cover their loved ones and prioritize their health. It is also a great tax-saving instrument. Moreover, the policy provides various coverage options, including inpatient expenses, daycare procedures, pre and post-hospitalization, medical checkups, and more. Star Health Gain Insurance Policy offers a wide range of Sum Insured options: Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, and Rs. 5 Lakh. Furthermore, Star Health Gain is available on both an individual and family floater basis.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years to 65 Years
Plan type
Individual and Family Health Insurance
Sum insured options
₹1 L, ₹2 L, ₹3 L, ₹4 L, ₹5 L
Waiting period
30 days
Renewability
NA
Policy term
1 year
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Day Care Procedures Covered
- Road Ambulance Available
- Modern Treatments Available
- Outpatient Benefit
Cons
- 20% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions not included under the Star Health Gain Plan are:
- Hospitalization due to war, riot, strike, and nuclear weapons.
- Intentional self-injury.
- AIDS.
- Miscarriage and abortion.
- Congenital disease.
- Infertility and in vitro fertilization.
- Certain diseases and treatments are covered under this plan after a specific waiting period. Details are as follows:
- Listed ailments after 24 Months.
- Pre-existing diseases after 48 Months.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 91 Days
- Max Entry Age: - 65 Years
- SI: - 1 L to 5 L
- Waiting Period: - 30 Days
Other features & benefits
- Up to 60k Cataract cover
- Room Rent Cover
- ICU Cover
- Wide SI options
- Flexible Premiums
Star Health Gain Insurance Policy: FAQs
The 3 most-asked questions about Star Health Gain Insurance Policy, answered.
It is an individual and family health insurance offering benefits like room rent, pre and post hospitalization, and more.
The sum insured available under the plan ranges between INR 1 to 5 Lakhs.
The plan is available to individuals between the age of 18 to 65 years.
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Written and reviewed by
PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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