| Medi Classic [Individual Health Insurance] Medi Classic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries. Policy Benefits - Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @ 2% of sum insured, subject to a maximum of Rs.4000/- per day.
- Nursing expenses.
- Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees.
- Cost of medicines and drugs.
- Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalization and overall limit of Rs 1500/- per policy period.
Pre-Hospitalization & Post-Hospitalization - Pre-hospitalization medical expenses upto 30 days prior to date of admission.
- Post-hospitalization - a lumpsum calculated at 7% of the hospitalization (excluding room charges)subject to a maximum of Rs.5000 is payable
- Non-allopathic Treatments upto Rs.25,000/- per occurrence, subject to a maximum of 25% of sum insured per policy period.
No-Claim Discount - Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan).
How much to pay (for individuals) |
| Optional benefits on payment of additional premium - Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalization. Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age.
- Patient Care: Available for persons above 65 years. It pays for the attendant charges after discharge from the hospital @ Rs 400 per day to a maximum of 5 days per hospitalization. Premium Rs 300 per person.
- New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of the sum insured in respect of the mother. Premium 10% of policy premium.
Eligibility - Any persons aged between 5 months and 80 years, residing in India,can take this insurance.
Tax benefits - Premium paid by Cheque A/c Pay, STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED. is eligible for relief as provided under Section 80 D of the Income Tax Act..
Exclusions - Expenses for the treatment of any illness/disease/condition, which is pre-existing
- Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
- First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint(other than caused by an accident), Prolapse of intervertibral disc (other than caused by accident), Varicose Veins and Varicose Ulcers
- First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone
- Naturopathy treatment
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Treatment of Cogential external disease/defects/anomalies
- Expenses which are mainly cosmetic in nature
Claims Procedure - Inform the ID number for easy reference
- In case of planned hospitalization, please inform 24 hours prior to admission into the hospital
- In case of emergency hospitalization, information to be given within 24 hours after hospitalization
- In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents.
NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact 099946 12916, 093628 5443, Marketing – Sales Manager, Star Health office. How to buy this insurance? - Please contact us through our 099946 12916, 093628 5443 / SMS /
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