OneAssure

Health Insurance

Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

Cover inpatient hospital bills and outpatient treatment at networked facilities in India, and carry unused outpatient benefit into the next policy year on renewal, for that one following year only.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

4.5/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Health Gain

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 potenHealth Gain offers inpatient hospitalisation and outpatient benefits with Individual and Family Floater options. Customers should review the room rent limit, waiting periods, age-related co-payment, OPD limit and treatment-specific sublimits before purchasing.tial tax benefits.

About

What Is Health Gain?

Star Health Gain Insurance Policy provides inpatient hospitalisation and outpatient benefits on an Individual or Family Floater basis. Customers can choose from Sum Insured options ranging from ₹1 lakh to ₹5 lakh.
The policy includes eligible hospitalisation expenses, daycare procedures, pre-hospitalisation expenses for up to 30 days, post-hospitalisation expenses for up to 60 days, specified modern treatments and eligible inpatient AYUSH treatment.
Outpatient expenses are covered at networked facilities in India, up to the benefit limit selected in the policy schedule. A 20% co-payment applies to insured persons whose age at entry is 61 years and above.

Health Gain Ratings

Health Gain

Insurer Rating

7.07

out of 10

Insurance Rating

4.5

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

Add on

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Star Health Gain Inclusions and Exclusions

Daycare Treatment

Eligible daycare procedures are covered, subject to policy terms.

AYUSH Treatment

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Room Rent

Up to 1% of the basic Sum Insured per day.

Modern Treatment

Specified modern treatments are covered, subject to policy limits.

ICU Charges

Covered as part of eligible hospitalisation expenses.

Specific Waiting Period

24 months for specified diseases and procedures.

Annual Health Checkup

Not specified.

Maternity Cover

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

Cumulative Bonus

Not specified.

Post-Hospitalisation

Covered for up to 60 days after discharge.

Coverage Options

Individual and Family Floater.

Consumable Cover

Not specified.

PED Waiting Period

36 months for pre-existing diseases.

Outpatient Department Cover (OPD Expense)

Available at networked facilities in India, up to the selected benefit limit.

Deductible Option

Not specified.

Disease-wise sublimits

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Pre-Hospitalisation

Covered for up to 30 days before hospital admission.

Restoration Benefit

Not specified.

Claim Settlement Ratio

Insurer-level metric, not a policy benefit.

Initial Waiting Period

30 days, except for covered accident-related claims.

Co-payment

20% for insured persons whose age at entry is 61 years and above.

Cashless Healthcare Providers

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

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.

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About the company

About Star

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 sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.