How does the waiting period affect my coverage?

The plan has waiting periods: 30 days for general claims, longer for pre-existing conditions and specific illnesses.

What if I don’t use my health insurance benefits for the entire year?

No Claim Bonus increases coverage if no claims are made, offering enhanced financial security for future medical expenses.

Does the Star Health Gain Plan cover treatment abroad?

The plan covers treatment in India; international coverage may be available through optional add-ons or separate policies.

OneAssure

Health Insurance

Star

Health Gain

Star Health Gain

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

6

Customer Rating

Brochure

Get a Quote

82.31%

Claim Settlement Ratio

14000+

Network Hospitals

6

Customer Rating

Brochure

Our Verdict

Expert Review: Star Health Insurance

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Final Verdict

Star Health Gain offers flexible sums insured and carries forward unused outpatient benefits, a unique plus. Add-ons like Claim Guard and AYUSH enhance coverage. Ideal for families and individuals seeking comprehensive inpatient and outpatient care with potential tax benefits.

About

About Star Health Insurance

Star Health's Health Gain Insurance Policy is a versatile health insurance plan that offers coverage for both inpatient and outpatient treatments under a single policy. Policyholders have the flexibility to choose their desired sum insured, with options ranging from ₹1 lakh to ₹5 lakhs, and can select premium amounts of ₹15,000, ₹20,000, ₹25,000, or ₹30,000, exclusive of applicable taxes. The policy is available on both individual and family floater bases, accommodating up to two adults and three dependent children aged between 91 days and 25 years. Notably, any unutilized outpatient benefit can be carried forward to the next policy year, ensuring that policyholders maximize their benefits. Eligibility extends to individuals aged 18 to 65 years, with the provision for policy renewals beyond 65 years. Additionally,...

Star Health's Health Gain Insurance Policy is a versatile health insurance plan that offers coverage for both inpatient and outpatient treatments under a single policy. Policyholders have the flexibility to choose their desired sum insured, with options ranging from ₹1 lakh to ₹5 lakhs, and can select premium amounts of ₹15,000, ₹20,000, ₹25,000, or ₹30,000, exclusive of applicable taxes. The policy is available on both individual and family floater bases, accommodating up to two adults...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Advanced Treatments

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
 Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
 Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

Cashless Healthcare Providers

14,000+ network hospitals.

Daycare Treatment

All day care procedures are covered.

AYUSH Treatment

Covered by the policy.

Room Rent

Normal: single private A/C roomICU: no limit

Co-payment

This policy is subject to co-payment of 20% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above.

Advanced Treatments

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Waiting Period

Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
 Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
 Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.

Cashless Healthcare Providers

14,000+ network hospitals.

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Exclusions

Pre-existing diseases are excluded for the first 36 months of continuous coverage.
Certain treatments like cataracts, ENT disorders, and joint replacements are excluded for the first 24 months.
Illnesses contracted within the first 30 days of policy inception are not covered, except for accidents.
Expenses related to cosmetic or plastic surgery unless necessary due to an injury or disease are excluded.
Treatments related to alcohol or drug abuse, self-inflicted injuries, and suicide attempts are not covered.
Expenses for obesity treatments, weight control procedures, and bariatric surgery are not covered unless specified.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...