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:
  
  
 
  • Benefits
  • Unique Features
  • Exclusions

Benefits

Hospitalization cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • 101 Day-care treatments covered.
  • Ambulance charges for emergency transportation to hospital as per specified limits.

Non-Allopathic Treatments:
  • Covered up-to specified limits.

Pre - existing Diseases / Illness:
  • Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

Add-on covers (subject to payment of additional premium):
  • Patient Care: Available for persons above 60 years. Pays for attendant charges after discharge from hospital for maximum 5 days per hospitalisation and 14 days per policy period.
  • Hospital Cash: Hospital cash benefit for each completed day of hospitalization.

Family Package:
  • Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons.
  • Optional Benefit of New Born Baby cover available under this Plan. Sum Insured : 10% of the mother's sum insured. Premium : 10% of the policy premium.

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.

Unique Features

Automatic Restoration of Sum Insured (not appilcable for Family Package):
  • In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 200% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

Bonus:
  • Bonus calculated at 5% of the basic sum insured for every claim-free year subject to a maximum of 25% is allowable.In the event of the claim the bonus will reduced by 5%.
  • Bonus is not available for Family Package Plan.

Tax Benefits:
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Policy Term:
  • Policy is available for one year term and two years term. In case of two year policy a discount of 5% on the two year premium paid, available.

Health Check-up benefits:
  • Cost of Health Check-up once after a block of every four claim-free years.
  • This benefit is available for sum insured of Rs.2,00,000/- and above only.

HIV Persons Coverage:
  • This policy can be taken by HIV positive persons provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

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.

 
 

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