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Star Health Insurance - Medi Classic

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
 
Coverage Type
Coverage Amount
Date of Birth
    OR age      years
Policy Duration
Policy Start Date:
Policy End Date

Unique benefits

  • Policy can be taken by any person between 5 months and 65 years of age.
  • Children can be covered only along with parents.
  • 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.
  • 101 day-care procedures covered.
  • Benefits
  • Unique Features
  • Exclusions
Benefits of Mediclassic Health Plan (All Amounts in ₹ INR)
1.5 lac 2 lac 3 lac 4 lac 5 lac 10 lac 15 lac
Policy Period
upto 2 years upto 2 years upto 2 years upto 2 years upto 2 years upto 2 years upto 2 years
Insured Definition
Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available Plans available only for Individuals - No Family Plan available
Hospitalisation - Room Rent limit per day
3,000 4,000 4,000 5,000 5,000 5,000 5,000
ICU / Operation Theatre Charges
Actual Actual Actual Actual Actual Actual Actual
No. of Daycare Treatments / Procedures Covered
101 Daycare Procedures covered 101 Daycare Procedures covered 101 Daycare Procedures covered 101 Daycare Procedures covered 101 Daycare Procedures covered 101 Daycare Procedures covered 101 Daycare Procedures covered
Sub Limits for Treatment of Cataract as Daycare (per episode / per policy period)
12,000 / 12,000 12,000 / 12,000 20,000 / 30,000 20,000 / 30,000 20,000 / 30,000 30,000 / 40,000 30,000 / 40,000
Ambulance Charges by Road (per policy period)
Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period Upto 750 per hospitalisation and maximum of 1,500 per policy period
AYUSH Treatment
Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000 Upto 25% of Sum Insured and maximum of 25,000
Pre Hospitalisation Expenses incurred
Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days Upto 30 days
Post Hospitalisation Expenses incurred
Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000) Upto 60 days (7% of Hospitalisation Expenses upto maximum of 5,000)
No Claim Bonus
5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim) 5% of Basic Sum Insured for each claim free year upto max accumulation of 25% (Bonus will be reduced by 5% in the event of a claim)
Free Annual Health Check Up (1% of Sum Insured after every block of 4 claim free years)
- 2,000 3,000 4,000 5,000 5,000 5,000
Automatic Restoration of Basic Sum Insured (2 times during the policy period, 100% each time)
3,00,000 4,00,000 6,00,000 8,00,000 10,00,000 20,00,000 30,00,000
Optional Addons (with incremental premium)
Hospital Cash
1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period) 1,000 per day for maximum of 7 days per hospitalisation (maximum 14 days per policy period)
Patient Care
400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period) 400 per day for maximum of 5 days per hospitalisation (maximum 14 days per policy period)
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.
  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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