Whether you’re starting a new family or securing long-term protection, this plan helps you “gain health, gain security, and gain peace of mind.”

Star Health Insurance – Health Gain Insurance Policy

Introduction:
The Star Health Gain Insurance Policy is a flexible and affordable health insurance plan designed to provide comprehensive medical protection for individuals and families. It covers hospitalization expenses, day care treatments, and modern medical procedures, ensuring complete financial security during health emergencies. With customizable sum insured and premium options, this plan truly lives up to its name — helping you gain confidence, protection, and peace of mind when it comes to your health.

Key Features of Star Health Gain Policy

1. Wide Sum Insured Options:
   Choose from ₹1 lakh to ₹25 lakh depending on your healthcare needs and budget.
2. Flexible Coverage Options:
   Available in both Individual and Family Floater plans to suit different lifestyles and family sizes.
3. Hospitalization Coverage:
   Covers room rent, nursing charges, surgeon’s fees, operation theatre charges, ICU, and medical supplies.
4. Pre & Post Hospitalization Expenses:
   Medical expenses incurred 60 days before and 90 days after hospitalization are covered.
5. Day Care Procedures:
   Covers all day care treatments that require less than 24 hours of hospitalization due to advanced technology.
6. Modern Treatments Covered:
   Includes advanced procedures like robotic surgeries, organ donor expenses, and other modern medical treatments as per policy terms.
7. Restoration of Sum Insured:
   Automatically restores 100% of the sum insured once in a policy year if it gets exhausted.
8. Cumulative Bonus:
   For every claim-free year, the policy offers a bonus that increases the sum insured up to a defined percentage.
9. Preventive Health Check-Ups:
   Provides annual health check-ups to promote preventive healthcare and early diagnosis.
10. Cashless Treatment Facility:
    Enjoy cashless hospitalization across 14,000+ Star Health network hospitals in India.
11. Lifetime Renewability:
    The policy offers lifelong renewability without any age limit.
12. Tax Benefits:
    Premiums paid are eligible for deduction under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Eligibility:
  • Adults: 18 to 65 years.
  • Dependent children: 91 days to 25 years.
• Policy Type: Individual / Family Floater.
• Waiting Periods:
  • Initial waiting period – 30 days (except for accidents).
  • Pre-existing diseases covered after 36 months of continuous coverage.

Example Case Study

Example:
Mr. Manoj, a 35-year-old software professional from Bengaluru, purchased the Star Health Gain Insurance Policy with a sum insured of ₹10 lakh for himself, his wife, and his daughter.

Later that year, his wife was hospitalized for gallbladder surgery costing ₹2.8 lakh. The entire amount was settled cashlessly through a Star Health network hospital. A few months later, his daughter required minor surgery costing ₹1.5 lakh. Since the policy included restoration benefit, the sum insured was automatically replenished, ensuring full coverage for the second claim as well.

Additionally, at the end of the policy year, Manoj received a cumulative bonus for maintaining a healthy record — increasing his sum insured for the following year.

Conclusion

The Star Health Gain Insurance Policy is a well-balanced, flexible, and affordable health insurance plan that caters to the evolving medical needs of individuals and families. With extensive coverage, restoration benefits, and a broad network of hospitals, it ensures you are protected against both planned and unexpected medical expenses.

Whether you’re starting a new family or securing long-term protection, this plan helps you “gain health, gain security, and gain peace of mind.”

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