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Star Health Gain Insurance

Entry Age (years)  
Minimum 5 months
Maximum 60
Coverage Type Individual/ Family floater
Sum Insured (Rs)  
Maximum 5 lakh
Minimum 1 lakh
Policy Term (years) 1
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Customer Service  
Address Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
Mail to [email protected], [email protected]
Call to 1800 425 2255/ / 044 2826 3300
SMS STAR to 56677
Scope Of Cover
Cashless facilityAvailable at empanelled network hospitals in India
Pre hospitalisationcovers medical expenses upto 30 days prior to the hospitalisation
Post Hospitalisationlumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000 per occurrence
In-patient hospitalisationCovered
Room rent, boarding2% of Sum Insured subject to a maximum of Rs. 4,000 per day in Class A cities; 1% of Sum Insured subject to a maximum of Rs 3000 per day in class B cities and 1% of Sum Insured subject to a maximum of Rs 1000 per day in other cities
Nursing expenses, Cost of Blood, Oxygen, Pacemaker, cost of drugs and medicinescovered
Emergency AmbulanceRs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Out-patient TreatmentCovered
Pre-existing diseasesCovered
dental expensesCovered
prenatal and postnatal careCovered
Exclusions and Waiting Period
for in patient cover
Pre existing diseasesCovered after 48 months
No claim periodAny disease contracted during the first 30 days of commencement of the policy
Waiting PeriodCertain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, Joint/Knee Replacement surgery(other than caused by an accident), Varicose Veins, Ulcers etc. will be covered after a period of 2 yearsCosmetic or beauty related treatmentsNaturopathy treatment
for Out patient Coverno exclusions