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Medi Classic Insurance Policy (Individual)
Medi Classic Insurance Policy refers to a policy that offers reimbursement of hospitalisation expenses arising from illness/disease/sickness and/or accidental injuries, so that you can maintain your dreams alive. This policy provides various health benefits and bonus options that help increase the sum
IRDAI UIN SHAHLIP26047V092526
HIGHLIGHTS
Plan Essentials
Sum Insured
The Sum Insured options available under the plan are - 1.5/2/3/4/5/10/15 lakhs, and Gold plan are - 3/4/5/10/15/20/25 lakhs.
Automatic Restoration
On exhaustion of the limit of coverage during the policy period, 200% of the basic Sum Insured will be restored once during the policy year.
Instalment Options
The policy premium can be paid on a monthly, quarterly or half-yearly basis.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the Basic Sum Insured.
New Born Cover
Under gold plan, if the mother is covered for 12 months without any break, then the hospitalisation expenses for the new born baby are covered from the 16th day onwards as per the specified limits.
Zone Wise Premium Bifurcation
The premium under this policy is bifurcated zone wise to provide wide coverage.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Organ Donor Expenses
Under Gold plan, If the insured person is the recipient, then the hospitalisation expenses incurred for organ transplantation are covered.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Entry Age
Any person between 5 months and 65 years can avail this policy.
In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses up to 60 days from the date of discharge are covered as per the limits mentioned in the policy clause.
Room Rent
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 2% of the basic Sum Insured of Rs. 5000/- per day.
Road Ambulance
Ambulance charges up to Rs. 750/- per hospitalisation and over all limit of Rs. 1,500/- per policy period for transportation of the insured person by private ambulance service are covered.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the Basic Sum Insured.
Cataract Treatment
Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.
Automatic Restoration of Basic Sum Insured
On exhaustion of the limit of coverage during the policy period, 200% of the basic Sum Insured will be restored once during the policy year that can be utilised for illness or disease unrelated to illness or disease for which claims were made.
Family Package Plan
Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members.
Cumulative Bonus
The insured person will be eligible for Cumulative bonus calculated at 5% of the basic Sum Insured for every claim free year subject to a maximum of 25% of the basic Sum Insured.
Preventive Health Check-up
We will arrange for a Preventive Health Check-up at Our Network Providers for the applicable package as per opted Sum Insured. For the updated and applicable list of tests available under such package, Insured Persons are required to check our website www.starhealth.in.
Co-payment
This policy is subjected to a Co-payment of 10% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.
Home Care Treatment
Payable up to 10% of the Basic Sum Insured in a Policy Year, for treatment availed by the Insured Person at home, only for the specified conditions.
Unlimited Tele-Consultation
Insured can avail unlimited number of Tele-consultations on Star Health mobile application or digital platforms.
AI driven Face Scan
The Insured Person can avail, AI-driven face scan facility by using Star Health mobile app to know the vital parameters such as heart rate, oxygen saturation, respiration rate up to two times per month per Insured Person in a Policy Year.
IMPORTANT HIGHLIGHTS (FOR GOLD PLAN)
Entry Age
Under Gold Plan, any person aged between 16 days and 65 years can avail this policy.
In-Patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
Room Rent
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to the limits mentioned in the policy clause.
Road Ambulance
Ambulance charges up to Rs. 2,000/- per hospitalisation for transportation of the insured person by private ambulance service are covered.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
Cataract Treatment
Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.
Preventive Health Check-up
We will arrange for a Preventive Health Check-up at Our Network Providers for the applicable package as per opted Sum Insured. For the updated and applicable list of tests available under such package, Insured Persons are required to check our website www.starhealth.in.
Cumulative Bonus
For every claim free year the insured person will be eligible for Cumulative bonus calculated at 25% of the basic Sum Insured in the second year and an additional 20% of the basic Sum Insured for each subsequent years subject to the maximum of 100% overall.
Automatic Restoration of Basic Sum Insured
On exhaustion of the limit of coverage during the policy period, 200% of the basic Sum Insured will be restored once during the policy year that can be utilised for illness or disease unrelated to illness or disease for which claims were made.
Super Restoration
On exhaustion of the limit of coverage during the policy period, under the gold plan, 100% of the Sum Insured will be restored once for the remaining policy year that can be utilised for all claims.
Domiciliary Hospitalisation
Expenses incurred for domiciliary hospitalisation, including AYUSH on the advice of a medical practitioner for a period exceeding three days are covered.
Shared Accommodation
If the insured person opts for shared accommodation in a Networked Hospital, a cash benefit is provided for the opted Sum Insured as mentioned in the policy clause.
Organ Donor Expenses
If the insured person is the recipient, then the hospitalisation expenses incurred for organ transplantation are covered.
Additional Basic Sum Insured for Road Traffic Accident (RTA)
If the basic Sum Insured gets exhausted, then for hospitalisation due to Road Traffic Accidents, it will be increased by 50%.
Hospitalisation Expenses for Treatment of New Born Baby
The coverage for the New Born Baby starts from the 16th day after its birth till the expiry date of the policy and is subject to a limit of 10% of the basic Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the basic Sum Insured, provided the mother has been insured under the policy for a continuous period of 12 months without break.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the Basic Sum Insured.
Patient Care
The expenses incurred for one attendant at the residence of the insured person immediately after discharge from the hospital provided this is recommended by the attending physician are covered. Such expenses are payable up to Rs. 400/- for each completed day up to 5 days per occurrence and 14 day per policy period.
Hospital Cash Benefit
A cash benefit of Rs.1000/- for each completed day in the hospital is provided for a maximum of 7 days per hospitalisation and 14 days per policy period.
Co-payment
This policy is subjected to a Co-payment of 10% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.
Family Discount
5% discount on premium is available if 2 or more family members are covered under this policy.
Major Organ Donor Discount
If the insured person submits proof that he/she has donated a major organ, a discount of 25% of the premium is available at the time of renewal. This discount is available even for subsequent renewals as well.
Home Care Treatment
Payable up to 10% of the Basic Sum Insured in a Policy Year, for treatment availed by the Insured Person at home, only for the specified conditions.
Unlimited Tele-Consultation
Insured can avail unlimited number of Tele-consultations on Star Health mobile application or digital platforms.
AI driven Face Scan
The Insured Person can avail, AI-driven face scan facility by using Star Health mobile app to know the vital parameters such as heart rate, oxygen saturation,respiration rate up to two times per month per Insured Person in a Policy Year.
10% discount is available on 2nd year premium
12.5% discount is available on 3rd year premium
Note: If Instalment Facility is opted for 2 year and 3 year term policies, the full premium applicable for 2 year or 3 year terms should be paid monthly, quarterly or half yearly within the expiry of the first year.
Waiting Period
1. For Pre-Existing Diseases - 48 months
2. For Specific Diseases/Procedures - 24 months
3. Initial Waiting Period - 30 days (Except Accidents)
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The Policyholder shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy. If the Policyholder is not satisfied with any of the terms and conditions and has not made any claim, the Policyholder has the option to cancel his/her policy. This option is available in case of policies with a term of one year or more.
The Policyholder shall be entitled to a refund of the premium paid subject only to a deduction of a proportionate risk premium for the period of cover and the expenses, if any incurred by the Insurer on medical examination of the Proposer and stamp duty charges.
Grace Period For Renewal
30 days from date of expiry of policy.
Note: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.
Coverage for Modern Treatment please click here.
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Medi Classic Insurance Policy (Individual)
What is Medi Classic Health Insurance Policy?
Medi Classic Insurance Policy is a kind of policy that offers coverage for hospitalisation expenses incurred due to illness, disease, sickness and/or accidental injuries. This policy offers a feature of lifetime renewability.
Medi health insurance helps cover hospital bills, medical treatments, and other healthcare expenses. It has several benefits compared to other plans.
This Insurance Policy (Individual) is a vital safeguard for personal well-being and financial stability. It offers multiple benefits that ensure comprehensive coverage, enabling policy owners to access required healthcare services without incurring high costs.
Note: ( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
Benefits of Medi Classic Health Insurance Policy
A Classic Health Insurance Policy has many benefits.
Covers room rent up to ₹5,000 per day.
- It covers the room rent expense of any room up to Rs 5,000 per day.
- It offers coverage of Rs 5 lakh two times a year for unrelated illnesses.
- It offers the feature of a Renewal Bonus of Rs 25,000 per year and up to a maximum of an additional Rs 1.25 lakh.
- Medi Classic Health Insurance Policy offers a free health checkup once every 4 years.
- Co-pay is 90% paid by the insurer under this policy.
- It offers coverage for existing Illnesses for 3 years
- The initial Waiting Period for this plan is 30 days, except for claims arising because of an accident, provided the same are covered.
- Specific Illness coverage for 24 months is offered by this plan for slow-growing diseases like knee replacement, hernia, cataracts, etc.
- You can avail yourself of the tax benefit by buying this plan.
Basic Plan
Any person aged between 5 months and 65 years can take this insurance. Thereafter, only renewals will be accepted without capping the exit age.
Sum Insured Options: Rs.1,50,000/-, Rs.2,00,000/-, Rs. 3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-.
Cost of Health Checkup: Expenses incurred towards the Cost of Health checkup up to 1% of the average Basic Sum Insured after every block of four continuous claim years, subject to a maximum of Rs 5,000/-
Automatic Restoration of Basic Sum Insured: There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period, immediately upon exhaustion of the limit of coverage. It is made clear that such restored Basic coverage amount can be utilised only for illness/disease unrelated to the illness/diseases for which the claim/s was/were made. The restored Basic Sum Insured cannot be carried forward. This benefit is not available for Modern Treatments.
For wider benefits, you can choose the Gold Plan.
Eligibility
Any person aged between 16 days and 65 years can take this insurance. Thereafter, only renewals will be accepted without capping the exit age.
Sum Insured Options: Rs. 3,00,000/-; Rs.4,00,000/-; Rs.5,00,000/-; Rs.10,00,000/-; Rs.15,00,000/- ; Rs. 20,00,000/- ; Rs. 25,00,000/-
Room Rent Eligibility
- For the Sum insured of Rs. 3 Lakhs and 4 lakhs, the Insured is eligible for 2% of the Sum insured, a maximum of Rs. 5000/-
- For the Sum insured of 5 lakhs and above, the Insured is eligible for a Single private AC room.
Ambulance charges up to Rs. 2,000/- per hospitalisation for transportation of the insured person by private ambulance.
Pre-Hospitalisation: Medical expenses incurred for a period not exceeding 30 days before the date of hospitalisation.
Post-hospitalisation: Medical expenses incurred for a period up to 60 days from the date of discharge from the hospital.
Coverage for Modern Treatments: Expenses are subject to the limits.
Non-Allopathic Treatment / AYUSH: Inpatient hospitalisation expenses incurred for treatment of diseases/illness / accidental injuries by system of medicines other than allopathic are payable up to 25% of the Basic Sum Insured, subject to a maximum of Rs 25000/- during the entire policy period.
Organ Donor Expenses: Inpatient hospitalisation expenses incurred for organ transplantation from the Donor to the recipient insured person are payable, provided the claim for transplantation is payable. Donor screening expenses and post-donation complications of the Donor are not payable.
Shared accommodation: If the Insured person occupies a shared accommodation in a networked hospital during inpatient hospitalisation, then the amount as per the table given below will be payable for each continuous and completed period of 24 hours of stay, provided the hospitalisation exceeds 48 hours in such shared accommodation.
Hospitalisation expenses for treatment of New Born Baby: The coverage for New Born Baby starts from the 16th day after its birth till the expiry date of the policy and is subject to a limit of 10% of the Basic Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the basic coverage amount, provided the mother has been insured under the policy for a continuous period of 12 months without a break.
Automatic Restoration of Basic Sum Insured: There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period, immediately upon exhaustion of the limit of coverage. It is made clear that such a restored basic policy limit can be utilised only for illness/disease unrelated to the illness/diseases for which the claim/s was/were made. The restored Basic Sum Insured cannot be carried forward. This benefit is not available for Modern Treatments.
Super Restoration: If the limit of coverage under this policy is exhausted during the policy period, an additional Basic Sum Insured of 100% would be provided once for the remaining policy period for the subsequent hospitalisation. This additional basic sum insured can be utilised even for illness/disease for which the claim/s was/were made. The unutilised additional Basic coverage amount cannot be carried forward. This benefit is not available for Modern Treatments.
Inclusions of Medi Classic Health Insurance Policy
There are many inclusions in the Medi Classic Health Insurance Policy.
- Expenses for the anaesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges, Cost of a Pacemaker, etc., are included in this plan.
- It covers the Ambulance charges for transporting the covered Patient to the hospital up to a sum of Rs. 750/- per hospitalisation, but the overall limit of Rs. 1500/ is per policy period.
- This plan covers the pre-hospitalisation medical expenses for up to 30 days before the date of admission.
- The plan post-hospitalisation offers coverage for the medical expenses up to a period of 60 days after discharge from the hospital.
- This plan offers coverage for modern treatments, but these treatments are subject to limits.
- The health checkup expenses incurred are covered under this policy.
Medi Classic Health Insurance Policy Exclusions
Though there are many things included in the Medi Classic insurance policy individual plan, there are still some exclusions. The exclusions of the Med Classic Health Insurance Policy are :
- Pre-Existing Diseases expenses associated with the treatment of a pre-existing Disease (PED) are not included till the expiry of 36 months of coverage prior to the date of inception of the first policy with the insurer.
- Some specified disease/ procedure waiting period expenses associated with the treatment of some listed conditions, surgeries/treatments will not be included until the expiry of 24 months of continuous policy coverage after the date of inception of the first policy with the insurance company.
- Expenses associated with the treatment of any illness within 30 days from the first policy commencement date shall be excluded.
- Costs associated with any admission, basically for diagnostics and evaluation purposes only, are not included.
- Expenses for the rest cure, rehabilitation and respite care are excluded.
- Obesity or Weight Control costs associated with the surgical treatment are not included.
- Change-of-gender treatments and Cosmetic or plastic Surgery Costs are not included.
- Medical Expenses related to Hazardous or Adventure sports are strictly excluded.
- Expenses for the treatment of alcoholism, drug intake or substance abuse or any addictive condition and consequences are not included.
- The Unproven Treatments expenses connected to any unproven treatment, supplies and services for or in connection with any treatment are excluded.
- Medical costs related to Sterility and Infertility are not included.
- Expenses for the Medical treatment associated with the Maternity are excluded.
Medi classic insurance plan review will help you understand which medical needs of yours are matched by the policy. It helps you understand why you should buy the Medi Classic health insurance policy.
Analysing the inclusions and exclusions of a health insurance plan will help you find the best one that matches your health needs.
Coverage Claims Procedure of Medi Classic Health Insurance Policy
There are some steps that have to be followed to claim coverage under the health insurance plan. Here are the steps to claim the coverage :
- Initially, for assistance, call the official number of the Insurance company.
- For quick reference, inform the ID number.
- When the policyholder is admitted to the hospital, the policyholder's ID Card issued by the Insurance Company must be shown at the hospital.
- Get the Pre-authorisation Form from the Hospital Help Desk. Finish filling in the Patient.
- Information and resubmit to the Hospital Help Desk.
- During emergency hospitalisation, inform the Patient within 24 hours before the hospitalisation.
- See the Cashless facility wherever possible in the network hospital. If you have selected the cashless facility in the network hospital, then the insurance company will settle the bill in the hospital, but only as per rules and regulations.
- In non-network hospitals, payment must be made up-front and then reimbursement will be effected after the submission of documents. The following documents have to be submitted for the reimbursement.
- KYC (Identity proof with Address) of the proposer, according to the AML Guidelines.
- NEFT documents with the Customer name, Bank name, etc.
- Then, you will have a waiting period of a specific time period, after which you could get the coverage.
Starhealth Insurance has a brochure stating all the details about the classic insurance policy of Starhealth Insurance, which can be downloaded from the official website. You can save that as a Medi Classic Insurance Policy PDF on your electronic device and see all the valuable features of this policy. You can buy this policy after understanding its benefits and features.
Note: ( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
HELP CENTRE
Confused? We’ve got the answers
We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.
Mediclassic Insurance Policy (Individual) is a classic insurance plan with an array of health benefits and bonus options to increase the sum insured amount. This policy is created for individuals with coverage up to INR 15 lakh. The policy can be purchased for one, two and three years.
Anyone above 50 years old has to undergo a pre-health screening checkup.
Any individual who is aged between 5 Months and 65 years can take this insurance. Thereafter only the medi classic insurance policy renewals will be accepted without capping on the exit age.
The correct time to buy a mediclaim (health insurance) policy is as early as possible, mostly in your 20s or early 30s, to take advantage of lower premiums and secure coverage before age-associated illnesses emerge.
To find the health insurance policy details, a policyholder can check their policy documents. The policyholder can visit their insurance company's online portal or app, contact customer care, review emails from their insurance company, or examine their health insurance card.
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Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
