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Medi-Classic Insurance Policy (Individual)

Medi Classic Insurance from Star Health is a policy that provides for reimbursement of hospitalization expenses incurred as a result of illness/diseases/sickness and/or accidental injuries. This policy assures peace of mind when the health care cost is increasing.

Sum Insured

1,50,000 to 15,00,000

Premium starts from

2,962

Key Highlights

    Cashless Treatment at 7900+ Network Hospitals

    You don’t have to pay even a single paisa from your own pocket in more than 4500+ network hospitals, for all the treatments that are covered by the policy. The Insurer shall pay for your treatment directly to the hospital, maximum up to Sum Insured.

    Automatic Restoration of Sum Insured

    The sum insured is automatically restored by 200% when the sum insured is fully exhausted during the policy period.

    Non Allopathic Treatments

    This plan covers alternative medical practices up to 25% of sum insured for a maximum of up to INR 25,000 per policy period.

    Key Product Benefits to Check

      Reimbursement of Ambulance Expenses

      You can claim upto Rs.750 per hospitalization and upto a max of Rs.1500 per policy period - spent on ambulance charges from one Hospital to another Hospital. This would be helpful for advanced/better equipped medical support/aid required for rescuing your health condition.

      Health Check-up

      This plan will cover the expenses you incured towards cost of health check-up up-to 1% of the sum insured up to a maximum of Rs.5,000 for sum insured above 2,00,000 and above after every 4 claim free years

      Get Tax Benefits

      You can get relief under section 80D of the Income Tax Act 1961 on the payment of the premium.

      Expenses before and after Hospitalization

      You will get covered for all your claim related medical expenses 30 days before your hospitalization and upto 60 days after your discharge. This list may include follow-up visits, medication, diagnosis… etc.,

      Day Care Treatment

      Insurance company will pay for more than 101 treatments that would require hospitalization for less than 24 hours. (Due to advancement in Technology). Please refer the terms for exact list of procedures.

      ..read

      Exclusions to note

        Pre exisiting diseases

        In the first 4 years of subscription, Star will not pay for treating medical conditions that you may have been suffering from before purchasing the policy.

        30 days waiting period

        You can only claim for treatments of accidental injuries for the first 30 days after taking the policy

        2 years waiting period

        This policy covers some diseases/treatments like Cataract, Hysterectomy, Kidney Stone, Varicose veins, surgery of Tonsils and sinuses …etc., only after 2 years.

        Additional Covers Available

        Hospital Cash

        Choosing this cover help you to Rs 500 per day as Hospital cash benefit for each completed day of hospitalization; maximum Rs 1500 per hospitalisation and up to Rs.3000 per policy year

        Patient Care

        This plan covers pays attendant charges after discharge @ Rs 400 per day up to maximum of 5 days per hospitalisation, for patients above 65 years of age.

        ..read

        Assets to be Covered

          icontwo

          Your Health

          You need to take care of yourself so that you can provide your loved ones with all they need. Protect your health from any unwarranted financial troubles by opting for a health insurance plan.

          icontwo

          Family Health

          Your family means the world to you and is the most precious thing in your life. You would want to protect it at all costs. Protect your family with health insurance plan so that no financial problem can burden your family.

          Risks to be Covered

          Family

          Ambulance Charges

          The charges for transporting the insured person via ambulance before and after the hospitalization are covered under ambulance charges.

          70% Complete

          7/10
          Family

          Hospitalization expenses

          Hospitalisation Expenses means the medical treatment costs that is necessary andreasonable in scope to treat the condition for which the Insured Person was Hospitalisedto the extent that such cost does not exceed the reasonable charges. The patient has to be in the hospital for at least 24 hours. Generally covers ICU charges, surgery, anaesthesia, doctor's charges etc.

          70% Complete

          10/10
          Family

          Pre & Post Hospitalization Expenses

          Pre-hospitalization expenses include various charges related to medical tests before an individual gets hospitalized. Post hospitalization expenses include all expenses or charges incurred by an individual after he or she is hospitalized.

          70% Complete

          8/10
          Family

          Day Care Treatment expenses

          Day Care Treatment refers to medical treatment and/or surgical procedure which is undertaken under General or Local Anaesthesia in hospital / day care centre in less than 24 hours because of technological advancements. The expenses for these tratments are day care treatments.

          70% Complete

          8/10
          Family

          Health Check up expenses

          Many insurers these days provide health check up feature for its insured members per some number of years. Many insurers also provide these check-ups as cashless at their network hospitals

          70% Complete

          7/10
          Family

          Ayurveda, Homeopathy, Unani and other alternative treatment expenses

          It has been observed that a combination of conventional and alternative medical therapies quicken & aid the process of recovery. It relates to Ayurveda, Sidha, Unani and Homeopathy treatments. The expenses for such treatments are alternative treatment expenses.

          70% Complete

          7/10
          ..read

          Our Expert Says

            Hi Dr. Mamtaa Goel, I am looking for a Health Insurance cover. Can you please brief me about this product

            Anonymus

            Nandagopal

            In my opinion medi classic is one of a kind product that provides classic health insurance benefits to the customer. The best thing about this plan is that it also covers non- allopathic treatment upto a certain limit. The insured will also gets the benefit of automated restoration.

            Thank you so much for your help...

            Anonymus

            Nandagopal

            It’s my pleasure. Please feel free to ask whatever questions you have. Myself or my friends will try our best to answer. Just click the below button and ask your questions.

            Our Experts Panel

              user

              Dr. Nandagopal Pothula

              Dr. Nandagopal Pothula has been in the field of Finance and Insurance for the past 19 years. He was the Senior Vice Presidentat Birla Sun Life Insurance and also served as the CEO of Reliance Life Insurance before founding India First Life Insurance Company. He is the CEO of Insurance Inbox.

              user

              Dr. Kamalakar Sai

              Kamalakar Sai has 22 years of experience in finance and insurance background. He has held key managerial positions at Birla Sun Life Insurance, Reliance Insurance, India First Insurance and is currently serving as the Director of Geosansar Insurance Brokerage Private Limited

              user

              Dr. Mamtaa Goel

              Mamtaa Goel is the Business Director at Insurance Inbox. She has an excellent 12 year record in the field of Insurance having served in senior managerail capacities at Reliance Insurance, TTK Healthcare and IndiaFirst Life Insurance.

              FAQ’s

                Does health insurance cover diagnostic charges like X- ray, MRI or ultrasound?

                Health Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as long they are associated with the patients stay in the hospital for at least 24 hours. Any diagnostic tests which does not lead to treatment or which have been prescribed as Outpatient are generally not covered.

                I am a Foreign Citizen? Can I take a health policy for my father who is in India?

                Yes. The scope of coverage shall be restricted to treatment taken in hospitals in India during the policy period.

                What do you mean by Network /Non-network Hospitalization?

                A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a 'Network Hospital'. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

                Does any health policy cover the treatment for existing disease also?

                Normally health plans exclude treatment of any pre existing disease / condition. At Star the treatment of any such pre existing disease/ condition is covered after 48 months of continuous renewals with Star.

                Is there an Income Tax exemption under Health policy?

                Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.
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