TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

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Medi-classic Insurance Policy (Individual)

  •  No claim bonus of 5% for every claim free year up to 25%.
  •  Health Checkup costs up to Rs.5,000/- for every block of 4 claim free years.
  •  Automatic restoration of entire Sum insured by 200%.
  •  Optional Covers : Hospital cash and patient care cover.
  •  101 day-care procedures covered.

IRDAI/NL-HLT/SHAI/P-H/V.II/400/13-14

Recharge Benefit

Hospitalisation 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.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • 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.
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.
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.

 

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.
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.
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.

 

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.

 

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.

Eligibility

  • Policy can be taken by any person between 5 months and 65 years of age.
  • Children can be covered only along with parents.

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.

General Terms

Pre- Acceptance Medical Screening:

Persons above 50 years will be required to undergo pre-acceptance medical screening at the company nominated centers. The cost of screening is currently borne by the company.

 

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.

 

Free Look Period:

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

 

Guaranteed Lifetime Renewals:

Life-long renewals beyond 65 years are offered under this policy.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.

Star Advantage

  •  No Third Party Administrator – direct in-house claims settlement.
  •  Faster and hassle-free claim settlement.
  •  Cashless hospitalization.
  •  Network of more than 8200+ hospitals across India.
  •  Facility for maintaining personal health records in electronic format.

For details contact toll free no 1800 425 2255 / 1800 102 4477

Premium Chart

EXCLUDING TAX
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs.
SUM INSURED (Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 3030 4400 4915 5450 7800 9545
36-45 2510 3260 4650 5550 6145 8200 9910
46-50 3770 5120 7665 8950 10700 13600 15310
51-55 4495 6110 11365 12690 14000 18384 22510
56-60 6200 7750 13750 15535 16775 22910 29160
61-65 7900 9850 14350 20000 24430 28900 39555
Renewals Only
66-70 11800 14005 20000 26800 34680 34755 47125
71-75 13300 17330 24350 31525 38700 41615 52525
76-80 16800 22300 32270 42420 52540 58250 67825
Above 80 21840 28990 41950 55140 68300 75725 88170
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 2880 4000 4515 5080 7465 9165
36-45 2510 3175 4535 5210 5870 7965 9595
46-50 3770 4775 7200 8700 10700 13265 14710
51-55 4495 5900 11115 12335 13555 17875 21710
56-60 6200 7350 13200 15000 15875 21440 28810
61-65 7900 9550 14000 19600 24000 28200 38365
Renewals Only
66-70 11800 13500 19600 26200 33840 34200 46395
71-75 13300 16950 23800 31000 38100 40800 50675
76-80 16800 22000 31900 41900 51900 57600 66700
Above 80 21840 28600 41470 54470 67470 74880 86710
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years
Amount in Rs.
2 Years Premium for Zone 1
Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5757 8360 9339 10355 14820 18136
35 4769 5976 8598 9942 11015 15200 18482
36-44 4769 6194 8835 10545 11676 15580 18829
45 5966 7961 11699 13775 16003 20710 23959
46-49 7163 9728 14564 17005 20330 25840 29089
50 7852 10669 18079 20558 23465 30385 35929
51-54 8541 11609 21594 24111 26600 34930 42769
55 10160 13167 23859 26814 29236 39229 49087
56-59 11780 14725 26125 29517 31873 43529 55404
60 13395 16720 26695 33758 39145 49220 65279
61-64 15010 18715 27265 38000 46417 54910 75155
65 18715 22662 32633 44460 56226 60401 82346
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 26610 38000 50920 65892 66035 89538
70 23845 29768 42133 55409 69782 72480 94668
71-74 25270 32927 46265 59898 73530 79069 99798
75 28595 37649 53789 70248 86678 94872 114333
76-79 31920 42370 61313 80598 99826 110675 128868
80 36708 48726 70509 92682 114798 127276 148195
Above 80 41496 55081 79705 104766 129770 143878 167523
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years.
Amount in Rs.
2 Years Premium for Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5472 7600 8579 9652 14184 17414
35 4769 5752 8108 9239 10403 14659 17822
36-44 4769 6033 8617 9899 11153 15134 18231
45 5966 7553 11148 13215 15742 20169 23090
46-49 7163 9073 13680 16530 20330 25204 27949
50 7852 10141 17399 19983 23042 29583 34599
51-54 8541 11210 21119 23437 25755 33963 41249
55 10160 12588 23099 25968 27959 37349 47994
56-59 11780 13965 25080 28500 30163 40736 54739
60 13395 16055 25840 32870 37881 47158 63816
61-64 15010 18145 26600 37240 45600 53580 72894
65 18715 21898 31920 43510 55290 58938 80522
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 25650 37240 49780 64296 64980 88151
70 23845 28928 41230 54340 68685 70908 92217
71-74 25270 32205 45220 58900 72390 77520 96283
75 28595 37003 52915 69255 85500 93480 111506
76-79 31920 41800 60610 79610 98610 109440 126730
80 36708 48070 69702 91552 113402 125856 145740
Above 80 41496 54340 78793 103493 128193 142272 164749
Family Package Plan
Available for persons below 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.
Amount in Rs.
All India Annual Premium in Rs.
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-25 4460 5149 5200 4745 5945 7145
26-30 4635 5280 5400 5045 6195 7345
31-35 4635 5280 5600 5230 6275 7483
36-40 4965 5400 6200 5555 6365 7700
41-45 5095 5595 6500 5915 6500 7805
All India 2 Year Premium in Rs. (Tax Extra)
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Family Size Family Size
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-24 8874 9783 9880 9016 11296 13576
25 8640 9908 10070 9301 11533 13766
26-29 8807 10032 10260 9586 11771 13956
30 8807 10032 10450 9761 11847 14087
31-34 8807 10032 10640 9937 11923 14218
35 9120 10146 11210 10246 12008 14424
36-39 9434 10260 11780 10555 12094 14630
40 9557 10445 12065 10897 12222 14730
41-43 9681 10631 12350 11239 12350 14830
INCLUDING TAX @ 18%
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs. 
SUM INSURED (Rs.)
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2962 3575 5192 5800 6431 9204 11263
36-45 2962 3847 5487 6549 7251 9676 11694
46-50 4449 6042 9045 10561 12626 16048 18066
51-55 5304 7210 13411 14974 16520 21693 26562
56-60 7316 9145 16225 18331 19795 27034 34409
61-65 9322 11623 16933 23600 28827 34102 46675
Renewals Only
66-70 13924 16526 23600 31624 40922 41011 55608
71-75 15694 20449 28733 37200 45666 49106 61980
76-80 19824 26314 38079 50056 61997 68735 80034
Above 80 25771 34208 49501 65065 80594 89356 104041
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2962 3398 4720 5328 5994 8809 10815
36-45 2962 3747 5351 6148 6927 9399 11322
46-50 4449 5635 8496 10266 12626 15653 17358
51-55 5304 6962 13116 14555 15995 21093 25618
56-60 7316 8673 15576 17700 18733 25299 33996
61-65 9322 11269 16520 23128 28320 33276 45271
Renewals Only
66-70 13924 15930 23128 30916 39931 40356 54746
71-75 15694 20001 28084 36580 44958 48144 59797
76-80 19824 25960 37642 49442 61242 67968 78706
Above 80 25771 33748 48935 64275 79615 88358 102318
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years
Amount in Rs.
2 Years Premium for Zone 1
Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 5627 6793 9865 11020 12219 17488 21400
35 5627 7052 10146 11732 12998 17936 21809
36-44 5627 7309 10425 12443 13778 18384 22218
45 7040 9394 13805 16255 18884 24438 28272
46-49 8452 11479 17186 20066 23989 30491 34325
50 9265 12589 21333 24258 27689 35854 42396
51-54 10078 13699 25481 28451 31388 41217 50467
55 11989 15537 28154 31641 34498 46290 57923
56-59 13900 17376 30828 34830 37610 51364 65377
60 15806 19730 31500 39834 46191 58080 77029
61-64 17712 22084 32173 44840 54772 64794 88683
65 22084 26741 38507 52463 66347 71273 97168
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 26456 31400 44840 60086 77753 77921 105655
70 28137 35126 49717 65383 82343 85526 111708
71-74 29819 38854 54593 70680 86765 93301 117762
75 33742 44426 63471 82893 102280 111949 134913
76-79 37666 49997 72349 95106 117795 130597 152064
80 43315 57497 83201 109365 135462 150186 174870
Above 80 48965 64996 94052 123624 153129 169776 197677
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years.
Amount in Rs.
2 Years Premium for Zone 2
Rest of India  ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat)
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 5627 6457 8968 10123 11389 16737 20549
35 5627 6787 9567 10902 12276 17298 21030
36-44 5627 7119 10168 11681 13161 17858 21513
45 7040 8913 13155 15594 18576 23799 27246
46-49 8452 10706 16142 19505 23989 29741 32980
50 9265 11966 20531 23580 27190 34908 40827
51-54 10078 13228 24920 27656 30391 40076 48674
55 11989 14854 27257 30642 32992 44072 56633
56-59 13900 16479 29594 33630 35592 48068 64592
60 15806 18945 30491 38787 44700 55646 75303
61-64 17712 21411 31388 43943 53808 63224 86015
65 22084 25840 37666 51342 65242 69547 95016
Renewals Only
Age in Yrs 150000 200000 300000 400000 500000 1000000 1500000
66-69 26456 30267 43943 58740 75869 76676 104018
70 28137 34135 48651 64121 81048 83671 108816
71-74 29819 38002 53360 69502 85420 91474 113614
75 33742 43664 62440 81721 100890 110306 131577
76-79 37666 49324 71520 93940 116360 129139 149541
80 43315 56723 82248 108031 133814 148510 171973
Above 80 48965 64121 92976 122122 151268 167881 194404
Family Package Plan
INCLUDING TAX @ 18%
All India Annual Premium in Rs.
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Age in Yrs 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-25 5263 6076 6136 5599 7015 8431
26-30 5469 6230 6372 5953 7310 8667
31-35 5469 6230 6608 6171 7405 8830
36-40 5859 6372 7316 6555 7511 9086
41-45 6012 6602 7670 6980 7670 9210
All India 2 Year Premium in Rs. (Tax Extra)
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Family Size Family Size
Age in Yrs 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-24 10471 11544 11658 10639 13329 16020
25 10195 11691 11883 10975 13609 16244
26-29 10392 11838 12107 11311 13890 16468
30 10392 11838 12331 11518 13979 16623
31-34 10392 11838 12555 11726 14069 16777
35 10762 11972 13228 12090 14169 17020
36-39 11132 12107 13900 12455 14271 17263
40 11277 12325 14237 12858 14422 17381
41-43 11424 12545 14573 13262 14573 17499
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