Star Health
Health Gain
Health Gain: A plain vanilla policy with limited benefits, a 4-year waiting period for pre-existing illnesses, and coverage capped at 5 lakhs. It offers some outpatient consultation coverage under certain conditions.
Health Gain: A plain vanilla policy with limited benefits, a 4-year waiting period for pre-existing illnesses, and coverage capped at 5 lakhs. It offers some outpatient consultation coverage under certain conditions.
What We Like
This section highlights the strengths and benefits of Health Gain policy by Star Health. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.
Co-Pay for Claims After Age 61 (20%): If you bought this policy after turning 61, you need to pay 20% of the bill for each claim. Otherwise, the insur...
Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...
Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...
What Is Okay
This section outlines the satisfactory but not exceptional aspects of Health Gain policy by Star Health. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.
No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...
What We Don't Like
This section addresses the limitations and drawbacks of Health Gain policy by Star Health. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.
Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...
Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Room Rent Limit (1% of Sum Insured): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. If you breach this limit, be ...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Coverage After 4 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs after a 4-year wa...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
Eye-Related Diseases Coverage Limit (?40,000 per Eye): Your insurance cover won’t be fully available if you are treated for eye-related diseases. A ma...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...
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