UNDER SECTION 80D TAX BENEFIT FOR THE PREMIUM PAID FOR MEDICLAIM MAXIMUM LIMIT FOR AN INDIVIDUAL IS Rs.15000/- Plus for additional Rs.15000/- for Premium Paid from HUF Account. HAVE WE UTILIZED THE BENEFIT IF NOT THEN HERE IS PLAN THAT GIVES YOU COMPLETE TAX BENEFIT WITH MEDICLAIM INSURANCE COVER AND OUT PATIENT BENEFIT.

STAR HEALTH GAIN INSURANCE

Major Product Features Flat premium of only Rs. 14,725/- inclusive of service tax. Coverage for both inpatient and outpatient treatment Policy can be given for both individual and family floater basis. Any unutilised amount under outpatient benefit can be carried forward to the next one year

Coverages Under section – I Hospitalization Expenses incurred as an inpatient for Sickness/Illness/Diseases Accidental injuries Under section – II Hospitalization Expenses incurred as an outpatient treatment subjects to the limits

Age Limits 5 Months – 60 Yrs Dependent Children can be covered only with any one of their Parents

Sum Insured Minimum Sum Insured - Rs. 1,00,000/- Maximum Sum Insured - Rs. 5,00,000/- The following Sum Insured options are available Rs. 1,00,000/- Rs. 2,00,000/- Rs. 3,00,000/- Rs. 4,00,000/- Rs. 5,00,000/-

Limit of Outpatient benefits for individual Sum insured for IP(Rs) m NA NA IP – Inpatient NA – Not Available

Limit of Outpatient benefits for family floater Sum insured for IP(Rs) Age A 5mths-35yr y-45y yNA NA 56-60yNA NA 1A+1C 5mths-35yr y-45y yNA NA 56-60yNA NA 1A+2C 5mths-35yr y-45y yNA NA 56-60yNA NA 1A+3C 5mths-35yr y-45y yNA NA 56-60yNA NA A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available (policy cannot be given)

Limit of Outpatient benefits for family floater (contd.) Sum insured for IP(Rs) Age A+1C 5mths-35yr y-45y yNA NA 56-60yNA NA 2A+2C 5mths-35yr y-45y yNA NA 56-60yNA NA 2A+3C 5mths-35yr y-45y yNA NA 56-60yNA NA A- Adult C- Child IP- Inpatient OP- Outpatient NA- Not Available policy cannot be given

HEATLH GAIN CALCULATION EXAMPLE 1 CLIENT AGE BETWEEN 5MTH TO 45YEARIndividual SUM ASSURED3LAC PREMIUM PAID14725/- SERVICE TAX1343/- NET PREMIUM13382/- TAX BENEFIT4418/- (30% OF Rs. 14,725/-) OPD BENEFIT7000/- HEALTH INSURANCE4026/- TOTAL BENEFIT15444 AMOUNT COLLECTED Rs.14725/- Benefits Given of Rs.15444/-(4418/ / /-) In short if you compare with our normal plan mediclaim cover is at half the cost.

HEATLH GAIN CALCULATION EXAMPLE 2 CLIENT AGE BETWEEN 5MTH TO 45YEARFamily Flt. 2A+2C SUM ASSURED3LAC PREMIUM PAID14725/- SERVICE TAX1343/- NET PREMIUM13382/- TAX BENEFIT4418/- (30% OF Rs. 14,725/-) OPD BENEFIT6500/- HEALTH INSURANCE5636/- TOTAL BENEFIT16554 AMOUNT COLLECTED Rs.14725/- Benefits Given of Rs.16554/- (4418/ / /-) In short if you compare with our normal plan mediclaim cover is at half the cost.

How is Star Health Gain different from ICICIs Tax Advantage ICICIs Tax Advt OP claim cannot be made after 90 days from the date of the policy- No such restriction in Star Health Gain policy ICICI Tax Advt allows only ONE OP claim per year - Any number of OP claims allowed in one year under Star Health Gain policy Residue OP amount can be carried forward to next one year under Star Health Gain policy OP benefit can be taken even for PED, Maternity, dental, diagnostics under Star Health Gain policy.

How is different from Mediclassic MediclassicHealth Gain Coverage under one sectionCoverage under 2 sections Covers only Hospitalisation expenses as an Inpatient Covers medical expenses as on outpatient also Premium varies depending on the ageThe premium does not vary depending on the age Individual sum insured has to be chosen for each insured person Sum Insured floats for all the family members Room rent flat 2% of SI maximum of Rs.4000/- Room rent varies depending of the location of the hospital There is a limit for day care proceduresNo limit for day care procedure except Cataract For persons aged between 5mnths to 80 yrs For persons aged between 5months to 60 yrs

How is it different from FHO FHOHealth Gain OP Treatment not coveredOP Treatment Covered Premium varies the size of the family and Sum Insured Premium does not vary depending on the size of the family and Sum Insured Cataract Limit Rs.12000/-Cataract Limit 15000/-

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