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Health Gain Floater
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Health Gain is a unique health plan which will protect you and your family against ever increasing medical costs and would provide a flexibility to increase your coverage with time to meet up to ever increasing health costs


  • Get discount of 5% for a single woman or girl child
  • Auto extension of policy for a tenure of 1 year in case of named critical illness
  • Re-instatement of 100% Sum Insured, if you have exhausted the total Sum Insured
  • Life Long renewal for health insurance
  • Pre-existing diseases are covered after 36 Months of continuous coverage
  • Domiciliary Hospitalization expenses are also covered
  • Claim service and Policy Service Guarantee
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
Title Description
Additional Cover for Critical Illness Policy can be renewed for free under "Plan B" for specified critical illness
Ambulance Expenses Up to 3000
Co-Payment Up to 20%, from age 61 years
Day Care Procedure Coverage Yes
Donor Expenses Up to 50% Of sum insured, Max 500000
Free Health Checkup After 4 claim free years
Minimum Hospitalization Period 24 Hrs
No Claim Bonus 33.33% increase in Base SI for every claim free year; Max up to 100%. 33.33% decrease in Base SI for every claim year; Max up to Cumulative Bonus earned.
Nursing Allowance Covered
Post Hospitalization Expenses 60 days
Pre-Existing Disease / Illness coverage After 36 months of continuous coverage has elapsed
Pre-Hospitalization Expenses 60 days
Room Rent Limit No Limit
Waiting Period for New Policy 30 days