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Combine the financial prudence of a significant Tax saving with the necessary health cover for your family. Avail of the maximum tax benefit with Star Health Gain Insurance paying a very affordable premium. What's more, it extends both outpatient and inpatient hospitalization expenses. Two facets of gain indeed.
 
Major Product Features
Flat amount of Rs 15,000 only irrespective of the sum insured or age of the persons or number of persons covered.
Coverage for both inpatient and outpatient treatments under one health insurance policy
Any unutilized amount under outpatient benefit can be carried forward to the next one year.

Other pre - and post - hospitalisation benefits

Expenses in a hospital for inpatient hospitalization (minimum 24-hour stay).
Hospitalisation expenses under the following heads are payable:
 
Room rent or boarding upto 2% of the sum insured, subject to a maximum of Rs 4000 per day in Class A cities; 1% of the sum insured, subject to a maximum of Rs 3000 per day in Class B cities; 1% of the sum insured, subject to a maximum of Rs 1,000 per day in subject to a maximum of Rs 1000 per day in other locations.
Nursing charges.
Surgeons, consultants and anaesthetists fees.
Blood, oxygen, diagnostic expenses, cost of pacemakers and similar expenses.
Drugs and medicines.
Emergency ambulance charges for transporting the patient to the hospital upto a sum of Rs 750 per hospitalization and overall policy limit of Rs 1,500.
Pre-hospitalization expenses upto 30 days prior to the date of admission in hospital/nursing home.
Post-hospitalization expenses calculated @7% of the hospitalization expenses (excluding room rent), subject to a maximum of Rs 5000 (benefit-based).

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When purachsaing any mediclaim or health insurance plan always look for following things:

1) Cashless hospital network in your locality (more the hospital the better it is).

2) Quality of hospitals covered under cashless network.

3) Exclusions of your health insurance plan.

4) Are there any cappings in your policy.

5) Who will support you in case you need to file any claim in emergency.

6) Do visit your local hospitals listed in your policy to ensure cashless facility is given.

7) Always take your policy from your local advisor, as they are more sensitive towards you and will be helpfull in case of emergencies as compared to any of the customer care desk executive.


for Post Expenses