Star Gain Health Insurance


Another health insurance policy by Star Health Insurance is the STAR GAIN INSURANCE PLAN.

It offers both outpatient and inpatient hospitalization expenses cover with maximum tax benefits.

The SALIENT FEATURES of this plan are:

  • Flat amount of Rs.14725/- only (inclusive of service tax) as the premium irrespective of the sum insured or age of the person insured or number of persons covered
  • Any unutilized amount under outpatient benefit can be carried forward to the next one year
  • Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay)
  • Expenses under the following heads are payable:
  • Room rent and boarding expenses up to a maximum of 2% of the sum insured subject to a maximum of Rs.4000 per day in Class A cities; 1% of sum insured subject to a maximum of Rs.3000 per day in Class B cities; 1% of sum insured subject to a maximum of Rs.1000 per day in Class C cities subject to a maximum of Rs.1000 per day in other locations
  • Nursing expenses
  • Surgeon’s fees, consultant’s fees, anesthetist’s fees
  • Cost of blood
  • Cost of oxygen
  • Operation theatre charges
  • Diagnostic expenses
  • Cost of pace maker and similar expenses
  • Cost of medicines and drugs
  • Ambulance charges up to a sum of Rs.750 per hospitalization and overall policy limit of Rs.1500
  • Pre-hospitalization expenses up to 30 days prior to the date of admission in hospital/nursing home
  • Post-hospitalization expenses calculated at 7% of the hospitalization expenses (excluding room rent) subject to a maximum of Rs.5000
  • Any person aged between the age of 5 months and 60 years can be covered under this insurance
  • Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act


  • All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
  • Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
  • Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:
  • Cataract
  • Hysterectomy
  • Menorrhagia or Fibromioma
  • Knee replacement surgery (other than caused by an accident)
  • Joint replacement surgery (other than caused by an accident)
  • Prolapsed Inter-vertebral disc (other than caused by an accident)
  • Varicose veings/ulcers
  • Benign prostate
  • Hypertrophy
  • Hernia
  • Hydrocele
  • Fistula in anus
  • Piles
  • Sinusitis and related disorders
  • Gall stone/renal stone removal
  • Naturopathy treatment
  • Expenses purely diagnostic in nature with no positive existence of any disease
  • Expenses incurred for treatment of disease/illness/accidental injuries by medicines other than allopathic
  • Expenses that are cosmetic in nature
  • Expenses incurred on treatment of congenital diseases/defect/anomalies

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

  • Cashless service without TPA intervention
  • Direct tie up with all major hospitals in India
  • 24 hours general practitioner’s advice and medical counseling
  • 24×7 in-house call center
  • Toll free telephone assistance
  • First stand alone health insurance company

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