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Most Popular Policies of Star Health Insurance

  • Star Health Criticare Plus Policy
    Star Health Criticare Plus Policy is a critical illness policy that provides hospitalization benefits along with critical illness cover.
    Key features of Star Health Criticare Plus Policy
    • 5% discount for up to 2 members and 10% discount for more than 2 members
    • Coverage available for non-allopathic treatments is available up to 25% of the sum insured
    • No medical screening for candidates below 50 years of age
    • Coverage available for specific day care process and ambulance charge
    Buy now
  • Star Health Family Health Optima Insurance
    Star Health Family Health Optima Insurance plan offers protection to the entire family for a single premium.
    Key features of Star Health Family Health Optima Insurance
    • Coverage for new born baby is available
    • Coverage for organ donor expenses is available
    • Coverage available for expenses due to domiciliary treatment
    • Restore benefit and recharge benefit are available
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  • Star Health Senior Citizen Red Carpet Insurance Policy
    Star Health Senior Citizen Red Carpet Insurance Policy is designed for individuals between 60 to 75 years of age to look after their medical needs.
    Key features of Star Health Senior Citizen Red Carpet Insurance Policy
    • Lifelong renewal option
    • in-house claim settlement facility is available
    • Coverage for nursing and ICU expenses is available
    • Customized e -health records available
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  • Star Cardiac Care Insurance Policy
    Star Cardiac Care Insurance policy is designed for people with previous history of heart related ailments.
    Key features of Star Cardiac Care Insurance Policy
    • Lifelong renewal option
    • Scope to increase sum insured amount at policy renewal
    • Coverage for Cardiac Medical Management in Gold Plan
    • Coverage available for pre and post hospitalization expenses
    Buy now

Star Health Gain Insurance

Are you looking for a health insurance policy that’s effective, both in terms of coverage and tax benefits? Well, bid adieu to your wait, as Star Health presents Gain Insurance. This policy covers both in and out-patient hospitalization expenses along with handsome tax benefits, that too at significantly low premiums.

About the policy

Star Health Gain Insurance is an all-in-one health insurance plan that protects you and your family from bearing the medical expenses incurred due to unanticipated health issues and injuries. The amount of premium is flat, regardless of the amount covered, age and number of persons insured.

Prominent features

  • A flat sum of Rs. 15,000/- as premium is applicable. It is regardless of the sum insured, number or age of the family members covered by the policy.
  • One policy, but extent of coverage includes both in as well as out-patient expenses.
  • In case, there is an unused amount against the out-patient benefit, it would be carried forward to the following year (1 year).


  • This policy can be availed by any individual who has attained the age of 5 months. The maximum age limit is 65 years.
  • The policy can be taken either on individual basis or family floater basis. In the latter case, maximum of 2 adults and 3 kids can partake.

Benefits under in-patient cover

  • Boarding charges and room rent is covered. It is calculated at the rate of 2% of the amount covered. The overall limit of this benefit is Rs. 4000/day in cities categorized as Class A. For Class B cities and other locations, these expenses are calculated at the rate of 1% of the amount covered. So, the overall limit for Class B cities and other locations are Rs. 3000/day and Rs. 1000/-, respectively.
  • Nursing charges and the fees of the anesthetist, surgeon and consultant is also paid by the company.
  • Apart from the expenses mentioned above, cost of the medicines and drugs, oxygen, blood, pacemakers, diagnostic and other related expenses are also included in the policy.
  • The charges incurred against hiring emergency ambulance services, up to Rs. 750/hospitalization are covered. A maximum of Rs. 1500/- can be reimbursed per policy period.

Benefits under out-patient cover

  • The insurance provider is liable to pay for the expenses incurred against out-patient treatments in a medical facility.
  • It even covers pre-existing medical conditions, dental as well as pre and post-natal care expenses.

The chart given below depicts the maximum amount of out-patient benefit according to different family sizes. Here A is Adult, C is Child, IP is In-patient and NA – not available. Take a look!

star health gain

Maximum amount of out-patient benefit for individuals

Sum Insured (IP)

Rs. 100000

Rs. 200000




5 Months to 45Years

Rs. 8700

Rs. 7750

Rs. 7000

Rs. 6250

Rs. 5750

46 Years to 55 Years

Rs. 7900

Rs. 6350

Rs. 5200

Rs. 3000


More than 56 Years

Rs. 7500

Rs. 5800

Rs. 3700



Renewal Details

  • The policy comes along with a lifetime renewal benefit, expect for cases like, fraud and moral hazard.
  • The increased sum insured is offer only during policy renewal.
  • You ought to get 30 days of grace period from the last date of the policy.

Policy exclusions

  • If the insured contracts a disease or illness during the initial waiting period of 30 days, no payments will be made by the insurance provider.
  • Health conditions like – Piles, Fistula, Hydrocele, Hernia, Kidney and Gall Stone removal, congenital diseases, Sinusitis, Benign Prostate Hypertrophy, etc. are not covered in the 1st term of the insurance policy.
  • Health conditions like – Hysterectomy related to Menorrhagia, varicose ulcers, varicose veins, knee replacement surgery (except accident cases), etc. are not covered for the first 2 years of the plan.
  • Cosmetic, obesity and naturopathy treatments are not covered
  • Diagnostic tests are also out of the policy.

Star advantages

The health insurance company specific advantages are as under:

  • Cashless hospitalization benefit in more than 6000 health care facilities in India
  • No TPA interference
  • Hassle-free and quick claim settlement
  • Personal medical record maintenance benefit in the form of e-document

This is all about Star Health presents Gain Insurance policy. The only flaw related to this policy is – constant premium amount. It leaves the policy holder with no option to increase or decrease the Out Patient Department coverage.