Star Health Gain

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 1% of the basic Sum Insured per day.

Ambulance charges are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period for transportation of the insured person to the hospital by private ambulance service.

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.

Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.

This policy is subjected to a Co-payment of 20% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.