Star Health Gain Insurance Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Star Health Gain Plan?

Under Star Health GainPlan, the room rent is 1% of SI.

The Intensive Care Unit (ICU) is a hospital special department where patients with severe medical conditions are treated.

Coverage status under Star Health Gain Plan?

Under Star Health GainPlan, ICU charges are covered

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Health Gain Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Health Gain Plan?

This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Star Health Gain Plan?

Under the Star Health Gain Plan, domiciliary hospitalization is not covered.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Health Gain Plan?

This plan covers the expenses of all daycare procedures.

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Star Health Gain Plan?

Not covered under the plan.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved center.

Coverage status under Star Health Gain Plan?

COVID-19 treatment coverage is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Star Health Gain Plan?

The plan covers Cataracts.

1 and 2 lakh INR - 12K per eye, per policy period

3 lakh INR - Rs. 20,000/- per eye, Rs. 35,000/- per policy period

4 Lakh INR - Rs. 30,000/- per eye, Rs. 45,000/- per policy period

5 lakh INR - Rs. 40,000/- per eye, Rs. 60,000/- per policy period

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Health Gain Plan?

The cumulative Bonus is not available.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Health Gain Plan?

Not Applicable

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Star Health Gain Plan?

The daily hospital cash is not available.

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Health Gain Plan?

Under the plan, Organ Donor expenses are not covered

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Star Health Gain Plan?

Maternity expenses are not covered.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Health Gain Plan?

Not Covered

Medical treatments that demand modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Health Gain Plan?

Under Star Health GainPolicy modern treatments are covered.

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Star Health Gain Plan?

Available up to INR 1500 per policy period.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Health Gain Plan?

Not Covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Star Health Gain Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Health Gain Plan?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Health Gain Plan?

The plan does not cover the expenses for e-consultation.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Star Health Gain Plan?

Under Star Gain Plan health checkup is not available.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Star Health Gain Plan?

Not Covered.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Health Gain Plan?

The plan does not cover vaccination expenses.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Star Health Gain Plan?

Applicable, 20% co-pay on all claims.

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Star Health Gain Plan?

Applicable

Room rent: 1% of the Sum Insured
Cataract surgery: 1 and 2 lakh INR - 12K per eye, per policy period
3 lakh INR - Rs. 20,000/- per eye, Rs. 35,000/- per policy period
4 Lakh INR - Rs. 30,000/- per eye, Rs. 45,000/- per policy period
5 lakh INR - Rs. 40,000/- per eye, Rs. 60,000/- per policy period

Road Ambulance: INR 1500 per policy period.