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Star Gain Insurance

 

With the perfect balance between insurance and tax benefit – Star Health Gain Insurance is the policy just for you. Despite a reassuringly low premium, it offers both outpatient and inpatient hospitalization expenses cover with maximum tax benefits. Sure enough, the best of both worlds is now yours.

Major Product Features

    * Flat amount of Rs 14,725 only irrespective of the sum insured or age of the persons or number of persons covered.
    * Coverage for both inpatient and outpatient treatments under one policy.
    * Any unutilized amount under outpatient benefit can be carried forward to the next one year.

Policy Benefits

    * Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay).
    * Expenses under the following heads are payable:
    * Room rent or boarding upto 2% of the sum insured, subject to a maximum of Rs 4000 per day in Class A cities; 1% of the sum insured, subject to a maximum of Rs 3000 per day in Class B cities; 1% of the sum insured, subject to a maximum of Rs 1000 per day in subject to a maximum of Rs 1000 per day in other locations.
    * b) Nursing charges.
    * Surgeons, consultants and anaesthetists fees.
    * Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses.
    * Drugs and medicines.
    * Emergency ambulance charges for transporting the patient to the hospital upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1500.
    * Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home.
    * Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based).

Eligibility

    * Any person aged between 5 months and 60 years can be covered under this insurance.

Policy Premium

    * Low premium of just Rs 14,725 inclusive of Service Tax. You are above 50 years of age and are interested in buying this policy, Contact or SMS us at 099946 12916

Tax Benefit

    * Premium paid by cheque is eligible upto Rs.15000/- for relief under Section 80-D of the Income Tax Act (Rs. 20,000 for senior citizens)

Limit of Outpatient Benefits for Individuals

Individual
   

Limit of Outpatient Benefits for Individuals Sum

Sum insured for IP (Rs)
   

1,00,000
   

2,00,000
   

3,00,000
   

4,00,000
   

5,00,000

5mths-45yr
   

8,700
   

7,750
   

7,000
   

6,250
   

5,750

46-55yr
   

7,900
   

6,350
   

5,200
   

3,000
   

NA

56-60yr
   

7,900
   

5,800
   

3,700
   

NA
   

NA

Maximum Outpatient Treatment Benefit for Various Family Sizes

Family Size
   

Limit of Outpatient Benefits for Individuals Sum
   

 

 
   

Sum insured
for IP (Rs)
   

1,00,000
   

2,00,000
   

3,00,000
   

4,00,000
   

5,00,000
   

 

2A
   

5mths-35yr
   

8400
   

7400
   

6750
   

5900
   

5250
   

 

 
   

36y-45y
   

8400
   

7400
   

6500
   

5500
   

4900
   

 

 
   

46-55y
   

NA
   

5650
   

4000
   

2000
   

NA
   

 

 
   

56-60y
   

NA
   

5000
   

2250
   

NA
   

NA
   

 

1A+1C
   

5mths-35yr
   

8500
   

7700
   

6950
   

5750
   

5500
   

 

 
   

36y-45y
   

8500
   

7500
   

6750
   

5750
   

5250
   

 

 
   

46-55y
   

NA
   

5850
   

4500
   

2400
   

NA
   

 

 
   

56-60y
   

NA
   

5200
   

2250
   

NA
   

NA
   

 

1A+2C
   

5mths-35yr
   

8450
   

7500
   

6900
   

6000
   

5500
   

 

 
   

36y-45y
   

8450
   

7250
   

6650
   

5750
   

5000
   

 

 
   

46-55y
   

NA
   

5750
   

4450
   

2250
   

NA
   

 

 
   

56-60y
   

NA
   

5150
   

2250
   

NA
   

NA
   

 

1A+3C
   

5mths-35yr
   

8350
   

7400
   

6650
   

5750
   

5250
   

 

 
   

36y-45y
   

8350
   

7200
   

6450
   

5500
   

4750
   

 

 
   

46-55y
   

NA
   

5500
   

4000
   

NA
   

NA
   

 

 
   

56-60y
   

NA
   

4750
   

2250
   

NA
   

NA
   

 

2A+1C
   

5mths-35yr
   

8250
   

7250
   

6600
   

5750
   

5000
   

 

 
   

36y-45y
   

8250
   

7000
   

6150
   

5450
   

4500
   

 

 
   

46-55y
   

NA
   

5250
   

3750
   

NA
   

NA
   

 

 
   

56-60y
   

NA
   

4500
   

1500
   

NA
   

NA
   

 

2A+2C
   

5mths-35yr
   

8250
   

7000
   

6500
   

5500
   

4650
   

 

 
   

36y-45y
   

8250
   

7000
   

5950
   

5000
   

3750
   

 

 
   

46-55y
   

NA
   

5000