OneAssure

Health Insurance

Star

Health Gain

Star Health Gain

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

4.5/10

Plan Rating

Policy Brochure

Get a Quote

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 potential tax benefits.

About

What Is Health Gain?

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, premiums paid towards this policy are eligible for income tax benefits under Section 80D of the Income Tax Act, 1961.

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

swipe

Inclusions and Exclusions

Star Health Gain Inclusions and Exclusions

Advanced Treatments

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

Cashless Healthcare Providers

14,000+ network hospitals.

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.

Daycare Treatment

All day care procedures are covered.

AYUSH Treatment

Covered by the policy.

Room Rent

Normal: single private A/C room
ICU: 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.

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.

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Email

Your Enquiry

Name

Phone Number

Email

Your Enquiry

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.