Star Health Gain Policy

Day Care Treatments

Includes surgical processes conducted using local or general anaesthesia which requires less than 24 hours of hospitalization because of technological advancement in healthcare. Each company has a specific list of processes which are covered under this category.

No-Claim Benefits

If no claim is made during the policy period, you insurance company can offer you a cumulative bonus. While some companies provide increase in the sum assured annually upto certain limits. Some insurers provide discount on the renewal of premium.

Pre Hospitalization

Medical expenses incurred immediately before the insured individual is hospitalized are covered under this benefit. Usually, expenses up to 30 to 90 days before hospitalization are covered under the policy only after the in-patient hospitalization claim is accepted by the insurance company.

Post Hospitalization

Medical expenses incurred immediately after the hospitalization are covered under this benefit.The coverage under this benefit would be available only for approved in-patient hospitalization claim is accepted by the insurance company. Usually, expenses up to 30 to 180 days post discharge are covered under the policy.

OPD Expense Cover

Includes coverage for expenses on treatments which do not require 24 hours of hospitalization.

PORTABILITY

TAX BENEFITS

SUM ASSURED ENHANCEMENT

Sum assured or coverage is the minimum amount payable to the insured by the insurance company.

Emergency Ambulance

Includes coverage for expenses on ambulance for hospitalization of the insured.

NEW BORN BABY COVER

The plan offers to take care of the delivery cost and subsequent expenses related to your little bundle of joy.

FREE LOOK PERIOD

Room Rent / Room Category

Hospitals have a fixed tariff or rate chart for all rooms. Mediclaim depends on the amount of room rent limit specified in the policy document. The amount varies depending on the type of room category chosen.

Sub-Limits

Includes the limits up to which specific conditions are covered under your policy. These limits are applicable for packaged treatments or some specific ailments listed in the policy.

Cooling Off Period

The period begins right after commencement of the policy within which you cannot claim for any illness except claims related to accident. This period is not applicable for subsequent renewals.

Specific Illness

The ailments of specific severity listed in the policy document are included under this category.

Pre-Existing Illnesses

The ailments that the insured was already diagnosed with before taking the policy.