Let us call you back. Just share your number for a call back in less than 15 minutes

We can’t proceed without your mobile number. Help us?
Sigh. We need the reason for call back to pick the right person for the job. Help us?

Is it super urgent? Call us on our Toll Free numbers

BTW, we respond to email queries with lightening fast speed. Send email instead?


Someone from the team will get back to you ASAP!


Oh! Just in case you still need our Toll free

1800 209 9970
Also schedule a callback Also send an email

Your Claim Assistance request has been registered with us.

We will contact you before 11am tomorrow.

If its an emergency, for immediate assistance please feel free to contact our Customer Support Unit on 1800 209 9970

Star Health Gain Policy

Star Health And Allied Insurance

3/5 based on 25 User Reviews

Star Health Gain Insurance is an excellent health insurance policy for the entire family covering medical expenses due to any sickness or injury. There is a flat premium amount irrespective of the sum insured or age of the persons or the total number persons covered in the policy. Hence, the more you include the members in the plan, the more advantageous the plan would be.

Need Smart Advice?
Schedule a call with our experts!
Please enter your name and a valid phone number
Thanks! We will get back to you soon.

Highlights of Star Health Gain Policy

  • Covers both Individual and Family
  • Cover for both in-patient and out-patient treatments
  • The unutilized Outpatient benefit can be carried forward to next year against renewal
  • No claim discount up to 10% applicable at renewal
  • Flat premium across all Sum Insured ranges and age groups
  • Tax Benefit as per the prevailing Income Tax Laws

Scope of cover

Indivdual Plan

Entry Age

For children : 05 months

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : NA

Maximum Adults : NA

Maximum Children : NA

Sum Insured

1/2/3/4/5 lakhs



Policy Periods Available


Pre-Policy Medical Check-up

Above 50 years of age

Family Floater Plan

Entry Age

For children : 05 months

Adults :

Minimum : 18 years

Maximum : 65 years

Number of Members Covered

Maximum Members : 05

Maximum Adults : 02

Maximum Children : 03

Sum Insured

1/2/3/4/5 lakhs



Policy Periods Available


Pre-Policy Medical Check-up

Above 50 years of age

Important Features

Day Care Treatments

Covers certain day care procedures like Dialysis, Chemotherapy, Radiotherapy, Cataract Surgery, etc.

No-Claim Benefits

For every claim free year, you will be entitled to a bonus of up to 10% of your sum insured.

Pre Hospitalization

Compensates for the Pre-Hospitalisation expenses for consultations, investigations and medicines incurred up to 30 days before Hospitalisation

Post Hospitalization

Compensates for a lump sum amount equal to 7% of hospitalization expense (excluding room charges) up to a maximum of Rs.5,000 per occurrence of post-hospitalization expense. Note: In the case of packaged treatments, the post-hospitalization expense is covered within the specified limit after calculating the room rent and boarding charges.

Good to Have Benefits

OPD Expense Cover

This plan covers outpatient benefits up to specified limit depending on the sum insured opted and age of the members covered. Please refer the brochure for the details of these limits. The outpatient treatment also includes the cost for pre-existing conditions, dental expenses, pre and post natal care.


If you want to transfer the policy to another insurer, the plan allows you to do so without losing your accrued benefits after the waiting periods.


You can avail tax benefits for the premium amount paid towards this plan under Section 80D of the Income Tax Act,1961.


You can apply for the sum increase at the time of renewal. However, there should not be any claim made on the policy for considering the request.

Emergency Ambulance

Compensates you up to Rs.750 for each hospitalization towards the emergency ambulance services up to a maximum of Rs.1,500 per policy period.

Value Adds


Not applicable unless added to the policy post the completion of the eligible age.


For any reason, should you decide not to proceed with the policy, you can return the same and request for a refund within 15 days from the date of receipt of the policy document.

Terms & Conditions

Room Rent / Room Category

This plan has a room-rent limit in case of normal hospitalization up to 2% of sum insured up to a maximum of Rs.4,000 per day for Class A cities. Similarly, 1% of sum insured up to a maximum of Rs.3,000 per day for Class B cities & 1% of the sum insured up to a maximum of Rs.1,000 per day for other locations.


This plan has sub-limit of 80% for packaged treatments. Sub-limits of Rs.15,000 for the entire policy period is applicable for Cataract treatment.

Waiting Period

Cooling Off Period

A 30 days cooling off period for all claims except any arising out of accidental injuries.

Specific Illnesses

The policy covers some specific diseases/treatments only after either 12 months or 24 months. These include Cataract, Glaucoma, Gall Bladder & Pancreatic Diseases and treatments, and so forth.

Pre-Existing Illnesses

You can claim for any pre-existing conditions after 48 months from the policy start date.

Permanent Exclusions

The Plan will not cover any liabilities towards the treatments of following conditions-

  • Attempted suicide
  • Use of alcohol or drug
  • AIDS
  • Congenital disease
  • Naturopathy treatment
  • Infertility and in vitro fertilization.
  • Hospitalization out of war, riot, strike and nuclear weapons

The detailed list of what the policy does not cover is available in the policy wording.

Review of Star Health Gain Policy

With various benefits like OPD cover, No Claim Bonus, compensation towards the emergency ambulance charges, etc.; Star Health's Gain Policy is designed to provide coverage for individual and floater basis. However, lack of some valuable benefits like maternity cover and strict limits on room rent is a bit restraint.

**Reviews and ratings are based only on Benefits and Conditions. Things like Claim Settlement Ratio, Hospital Network have not been covered under product ratings. These are covered under Company ratings.

Health Insurance Policies @ Coverfox

Schedule a call with our experts!

Please enter a valid phone number
Thanks! We will get back to you soon.

I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC.