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Star Medi Classic Health Insurance

29 reviews Rate This
Medi Classic Insurance Policy
Claim Settlement Ratio85.47%
COVID-19 CoverYes
In-House Claim SettlementAvailable
Network Hospitals9,900+
Policies Sold37,34,365

About Star Medi Classic Health Insurance

Medi Classic Insurance Policy from Star Health provides for reimbursement of hospitalisation expenses arising from sickness, illness, disease so that you can manage yours and your family’s medical expenses. Personal or car accidental injuries are also covered under the medical insurance policy. Any resident of India aged between 5 months and 65 years is eligible to take this policy. But beyond 65 years, only renewal is offered.

The policy offers its policyholders many benefits. A few to name are hospital cover; non-allopathic treatments; emergency ambulance cover; fees for surgeon, anesthetist, consultants, medical practitioner, or specialist and coverage for boarding or nursing expenses, pre-existing disease and coverage for pre and post-hospitalisation.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Emergency ambulance charges are included for a maximum sum of Rs. 750 per hospitalization and overall maximum limit of Rs. 1500 for every policy period
  • Anesthesia, blood, oxygen, operation theatre charges, cost of pacemaker, etc. are included
  • Relevant pre-hospitalisation medical expenses incurred for a maximum of 30 days before the date of hospitalisation
  • Relevant post-hospitalisation medical expenses arising for a maximum of 60 days after discharge from the hospital
  • In-patient hospitalisation expenses for a minimum of 24 hours are covered under the policy

What's Not Included

  • For the initial 2 years, all treatments for uterine prolapse, bleeding, dysfunctional uterine, all diseases of fallopian tubes, etc.
  • All treatments for pancreatic calculi, gall bladder & genitourinary calculi during the first 2 years of continuous operation
  • Treatment of joint diseases excluding those caused by accidents remains uncovered for the initial 2 years
  • Any disease contracted by the insured individual during the first 30 days from the date of commencement of the policy
  • Pre-existing diseases are not covered until 48 consecutive months of coverage has elapsed

1506 Star Cashless Network Hospitals in India

Medi Classic Insurance Policy User Reviews

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What users are saying
  • All
  • One-stop solution

    InsuranceDekho is a one-stop solution when it comes to insurance policy-related matters. Services like quote g...

    Read More
    By Ram Jadav
    On: Jan 28, 2021
  • Convenient communication

    The Whatsapp communication available on the portal of InsuranceDekho has been really convenient for me as I pr...

    Read More
    By Kavita Subhramaniam
    On: Jan 05, 2021
  • No paperwork needed

    The Star Health Insurance’s Medi Classic Insurance Policy issuance was completely hassle-free. The full proced...

    Read More
    By Hina Khan
    On: Dec 11, 2020
  • Easy to buy plan online

    ​Medi classic plan is the best solution for people looking out for reimbursement of hospitalisation expenses a...

    Read More
    By Nikhil Talwar
    On: Feb 19, 2020
  • Easy to understand plan.

    Medi classic insurance policy is easy to understand. It offers me many benefits like emergency ambulance cover...

    Read More
    By Amandeep singh
    On: Feb 19, 2020

Add-ons to Enhance Benefits

  • Hospital Cash

    Hospital cash benefit of Rs. 1,000 is provided for every day of hospitalization. The benefit can be availed for a maximum of 7 days per hospitalization and for 14 days in a policy period. For the purpose of this benefit, the days of admission and discharge will not be taken into account.  

  • Patient-care

    The cost incurred in engaging one attendant at residence immediately after discharge from the hospital are payable for up to Rs. 400 for every day completed (maximum 5 days per hospitalization up to 14 days in a year). The benefit can be availed if care is recommended by the attending physician. 

Star Medi Classic Insurance Policy Expert Review

  • Expert Review

    Because medical expenses are reaching the sky, a single illness is all that can wipe off your entire savings. To fix this, Star Health has come up with Medi-Classic Insurance Policy that keeps your savings untouched by timely delivering coverage to you and your family members during emergencies.

    Medi-Classic Insurance plan solves health related issues of individuals and family members at an affordable cost. Anyone who is aged between 5 months to 65 years can enjoy the benefits under this plan. The plan also provides the facility to include children under the same plan if the parents are covered too. The customers can choose the sum insured according to their requirements keeping in mind how affordable it seems to them. The options start from as low as Rs. 1.5 Lakh and go up till Rs. 15 Lakh. 

  • Major Attractions

    The plan covers all the basic necessities required under a health insurance plan. It offers reimbursement of hospitalisation expenses arising from illness/sickness/disease/accidental injuries etc. so that you don’t lose hope at difficult times. Given below are some of the major coverage features under this plan:  

    • In-patient hospitalisation expenses
    • Health check-up costs for up to Rs. 5,000 for every block of 4 years when a claim is not made
    • Cover for 101 daycare procedures
    • Pre-existing diseases covered after a waiting period
    • Up to 30 days pre-hospitalisation expenses covered
    • 60 days post-hospitalisation expenses covered up to a specific limit
    • Non-allopathic treatments covered up to specific limits
    • 5% of No Claim Bonus for every claim free year for a maximum of 25%
    • Automatic restoration of the sum insured by 200%
    • Optional cover for hospital cash
    • Optional cover for patient care cover 
  • What’s More?

    The benefits under the plan are not over yet. Once you purchase this plan, there are a lot of added advantages you get along. Some of them are-

    • 15 days free look period
    • Hassle-free claim assistance
    • Lifetime renewability of the policy guaranteed
    • Cashless hospitalisation in the network hospitals
    • Tax benefits under Section 80D of the Income Tax Act 1961 
  • Conclusion

    So, Medi-Classic is an economical plan that keeps you and your family covered under unforeseen circumstances. Go with it without even slightest of doubt if you are looking for an affordable yet comprehensive and reliable health insurance plan.

    Now that you know WHY you should go for this plan, it is time to know HOW you should go for this plan. There are two ways. One which is time taking, has lengthy procedures, meetings with the agents, etc., that is the Offline process. The other one is the Online process where all you need to do is get in touch with the customer care executives of any reliable health insurance broker such as InsuranceDekho. Based on the Need Analysis, they will suggest you the best variant to grab, thereby saving time and paperwork. Also, you get to fill the proposal form on your own which nullifies the chances of editing or overwriting on your personal details (which can happen otherwise). So, just choose a reliable source and be rest assured for yourself and your loved ones’ health.

Star Medi Classic Insurance Policy Brochure

  • 5.54 MB
  • PDF Document
  • Apr 16, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Medi Classic Insurance Policy Health Insurance Plan

  • Am I eligible to purchase the Medi Classic Insurance Policy?

    Any resident of India from 5 months to 65 years of age can purchase this policy. Children can be covered only along with parents. Note: This policy can be taken by HIV positive persons too. An individual is eligible if the CD4 count at the time of entry is above 350. The proof of the same must be available. However, hospitalisation is excluded for any opportunistic infections.

  • Is pre-medical acceptance screening mandatory to buy the Star Health Medi Classic Insurance Policy?

    People aged more than 50 years shall undergo a pre-acceptance medical screening at the nominated centers of Star Health Insurance. Currently, the company bears the expenses of the screening.

  • What are the sum insured options in the policy?

    The policy can be bought for Sum Insured options of Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 10 Lakh, and Rs. 15 Lakh.

  • Does the policy cover daycare treatments?

    Yes, 101 daycare treatments are allowed under this policy.

  • What is the policy term for Star Health Medi Classic Insurance Policy (Individual)?

    The policy is available for 1 year and 2 year terms.

  • What is co-payment under the policy?

    10% amount of each claim made for insured people aged more than 60 years at entry level and renewals thereafter.

  • What are the tax benefits under this plan?

    Premiums paid for health insurance policies not included in the taxable income up to Rs. 15,000 for individuals and Rs. 20,000 for senior citizens.

  • When can a policy be canceled?

    Star Health can cancel your policy on the grounds of moral hazard, misinterpretation, fraud, hiding of material fact as specified in the proposal form or at time of claim, or non-cooperation by the insured individual. The insured, in this situation, receives 30 days notice through a registered letter at his/her last known address.

  • Who all can be covered under the Family Package Plan?

    Under the Family Package Plan, the insured person, insured spouse and not more than two insured dependent children can be covered. Each member is covered up to his/her limit only.

  • What are the special features of this health insurance policy?

    The policy offers the following special features- 1. Automatic restoration of the sum insured (the benefit is not available for Family Package Plan) 2. Coverage for HIV persons also (under certain conditions) 3. The insured individual is eligible for a bonus.

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