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.

Tax Benefit

• Premium paid by Cheque A/C STAR HEATLH AND ALLIED INSURANCE COMPANY LIMITED, for this insurance is eligible for relief under Section 80D of the IT Act.

Limit of Outpatient Benefits for Individuals

Maximum Outpatient Treatment Benefit for Various Family Sizes

Claims Procedure

• Inform the ID number for easy reference
• In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
• In case of emergency hospitalization, information to be given within 24 hours after hospitalization
• In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents

How to buy this insurance?

• Please contact us through our Help Line 099946 12916, 093628 54443 / SMS / SMSTAR TO 56070