Star Health Insurance - Medi Classic Insurance

Medi Classic health insurance is designed for you and your family to get proper insurance coverage in case of hospitalization or treated for minor injury or ailment. Medi Classic health insurance assures peace of mind when the health care cost is increasing.

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Plan Type:
Individual Health  Family Floater
Coverage Type:
Coverage Amount:
Date of Birth
    OR age      years
Policy Duration:
Policy Start Date:
Policy End Date:
  
  
  *Optional

Assist Card Insurance for Pre-existing Condition Coverage

  • Eligibility
  • Benefits
  • Exclusions
  • Renewal
  • Others

Eligibility

  • Available only for individuals.
  • Any person in between 5 months and 60 years of age who is residing in India can take this insurance.

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.5000/- per day.
  • Nursing expenses.
  • Insurance covers Surgeon's fees, consultant fees, Anaesthetist's and Specialist's fees.
  • Cost of medicines and drugs.
  • Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.

Pre-existing Disease
  • Pre existing diseases are covered after 48 months of continuous insurance with the company.

Pre & Post Hospitalization
  • pre-hospitalization medical expenses up to 30 days prior to the date of admission.
  • Post-hospitalization - a lumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000/- is payable.

Day Care Treatment: 101 day care treatments are allowed.

Non Allopathic Treatments
  • Up to 25% of the sum insured subject to a maximum of Rs.25,000/- in the entire policy period.

Health screening
  • Pre-Acceptable Medical screening at the Company nominated centres is at the discretion of the Company.

Discount
  • Insured person is eligible for no claim discount of 5% for every claim free up to a maximum of 255.

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 only 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 mother's Sum insured. Premium 10% of policy premium.

Exclusions

  1. All expenses incurred in connection with treatment of any disease/illness/condition which is pre-existing at the time of commencement of insurance.
  2. Treatment of disease/sickness/illness contacted by the Insured Person during the first 30 days from the commencement date of the policy
  3. Expense incured in the first two years of continuous operation of insurance cover on treatment of Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Knee replacement surgery (other than caused by an accident) Joint Replacement Surgery (other than caused by accident), Prolapse of intervertebral disc (other than caused by accident), Varicose veins and Varcose ulcers.
  4. Expense incured during the first year of operation of the insurance treatment of diseases such as Begin Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, gallstones and renal stone removal.
  5. Naturopathy treatment.
  6. Expenses which are purely diagnostic in nature with no positive existence of any disease.
  7. Expenses which are mainly cosmetic in nature.
  8. Treatment of Congenital external disease/defects/anomalies.

Renewal

Renewal will not be normally refused except on grounds such as fraud, moral hazard or misrepresentation. Where the claim ratio for the proceding 2 consecutive years exceeds 100%, premium loading as per the table given below would be applicable.

Sr No. Average claims ratio of preceding 2 years (consecutive) Loading on premium
1 >100-125% >20%
2 >125-150% >30%
3 >150% >50%

A grace period of 15 days from the date of expiry of the policy is available for renewal. If renewal is made within 15 days period the continuity of benefits will be allowed. However the actual period of cover will start only from the date of payment of premium. In other words no protection is available between the policy expiry date and the date of payment of premium for renewal.

 
 

Star Health Insurance

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