userThe Star Health Gain Insurance Policy offers comprehensive coverage for outpatient treatments and in-patient hospitalisation, making it an ideal health insurance solution.
Plan Essentials:
1. Wide Coverage: Designed to cover both outpatient treatments and in-patient hospitalisation expenses.
2. Flexible Policy:
Can be opted on an Individual or Floater basis.
Covers self, spouse, and dependent children (91 days to 25 years).
3. Sum Insured Options: ₹1 lakh, ₹2 lakhs, ₹3 lakhs, ₹4 lakhs, and ₹5 lakhs.
4. Policy Type: Available as an Individual or Floater plan.
5. Entry Age:
Adults: 18 to 65 years.
Dependent children: 91 days to 25 years.
6. Flexible Premium Options: Premium options: ₹15,000, ₹20,000, ₹25,000, and ₹30,000 (plus GST).
7. Income Tax Benefit: Premiums (excluding cash payments) are exempted from tax under Section 80D of the Income Tax Act, 1961.
SECTION I: In-Patient Hospitalisation Benefits:
1. Hospitalisation Expenses: Covers hospitalisation exceeding 24 hours due to illness, injury, or accidents.
2. Pre-Hospitalisation Expenses: Medical expenses incurred up to 30 days prior to hospital admission.
3. Post-Hospitalisation Expenses: Covers medical costs for up to 60 days after hospital discharge.
4. Room Rent: Up to 1% of the Sum Insured per day.
5. Road Ambulance: Ambulance charges up to ₹750 per hospitalisation (₹1,500 per policy period).
6. Day Care Procedures: Covers advanced medical treatments and surgeries requiring less than 24 hours of hospitalisation.
7. Modern Treatments: Covers treatments like Oral Chemotherapy, Robotic Surgeries, Intra Vitreal Injections, etc., up to policy limits.
8. AYUSH Treatment: In-patient treatment under Ayurveda, Unani, Siddha, and Homeopathy up to the Sum Insured.
9. Cataract Treatment: Covered as per policy limits.
10. Co-payment: A 20% co-pay applies for insured persons aged 61 years and above.
SECTION II: Outpatient Benefits:
1. Outpatient Coverage: Covers necessary outpatient expenses at Networked Facilities in India.
2. Carry Forward Benefits: Unused outpatient benefits can be carried forward to the next renewal year (one-time carry-over only).
Additional Features:
- Customisable Coverage: Choose Individual or Floater plans.
- Dual Coverage: Combines in-patient and outpatient benefits in one policy.
- Lifelong Renewability: Continuous coverage through renewals.
- Tax Savings: Save on income tax under Section 80D.
For complete details, terms, and conditions, refer to the policy document.
FAQs
Rahul Khanna
