Star Medi Classic Health Insurance

Star Health's Medi Classic Insurance Policy is designed to ease the financial burden of hospitalization expenses due to sickness, illness, or disease, allowing you to effectively manage medical costs for yourself and your family. Additionally, coverage extends to personal or car accident injuries.

This Health Insurance policy offers a range of benefits to policyholders, including coverage for hospital expenses, non-allopathic treatments, emergency ambulance services, and fees for surgeons, anesthetists, consultants, medical practitioners, or specialists. Moreover, it provides coverage for boarding or nursing expenses, and pre-existing diseases, and includes provisions for both pre and post-hospitalisation coverage.

This comprehensive insurance plan aims to provide individuals with the necessary financial support and peace of mind during times of medical need.

Star Medi Classic Health Insurance Policy At a Glance

Highlights of Star Medi Classic Health Insurance Policy are mentioned in the below table:

Coverage	Individual
Riders	Hospital Cash, Patient Care
Variants	Basic and Gold
Policy Period	1, 2 and 3 Years
Key Features	Health Check-up Benefit, Flexible Premium Payment, etc.
Inclusion	Room Rent, Road Ambulance, etc.
Exclusion	Intentional Self Harm, AIDs, etc.
Renewability	Lifelong

Riders Available With Star Medi Classic Health Insurance

The riders available with this Star health insurance policy are as follows:

• Hospital Cash: Enjoy a hospital cash benefit of Rs. 1,000 for each day of hospitalization. This benefit can be utilized for a maximum of 7 days per hospital stay and a total of 14 days in a policy period. Notably, the days of admission and discharge are not considered for this benefit.
• Patient Care: Cover the expenses of engaging an attendant at home immediately after hospital discharge, with reimbursement of up to Rs. 400 for each completed day (up to a maximum of 5 days per hospitalization and 14 days in a year). This benefit is applicable when care is recommended by the attending physician.

Key Features of Star Medi Classic Health Insurance Plan

Here’s a list of features of Star Medi Classic policy:

• Health Checkup Benefit: After every consecutive four years without a claim, policyholders can avail expenses for a health checkup, up to 1% of the average Basic Sum Insured, with a maximum limit of Rs. 5,000 at the time of renewal. This benefit applies to Basic Sum Insured amounts of Rs. 2,00,000 and above.
• Pre-policy Medical Screening: Applicants aged 50 and above are required to undergo pre-medical examinations at designated centers specified by Star Health Insurance.
• Flexible Premium Payment: Policyholders have the option to pay premiums monthly, quarterly, or semi-annually. The entire policy term can also be settled in 1, 2, or 3-year installments.
• Psychiatric and Psychosomatic Disorder Coverage: Hospitalization costs for psychiatric and psychosomatic conditions are covered up to the Basic Sum Insured if the insured individual is hospitalized for at least five consecutive days and receives their first diagnosis under this policy.
• Non-Allopathic Treatment Benefit: Policyholders can avail up to 25% of the Basic Sum Insured, with a maximum limit of Rs 25,000, for non-allopathic treatments throughout the policy period.
• Major Organ Donor Discount: A 25% premium discount is granted at renewal if the insured person provides documentation confirming a major organ donation, applicable for subsequent renewals as well.
• Free Look Period: Policyholders have a 15-day free look period after receiving the policy to review its terms and conditions. (Not applicable for renewals)
• Tax Benefits: Payments made for this insurance, other than in cash, qualify for a tax deduction under Section 80D of the Income Tax Act.

Eligibility Criteria of Star Medi Classic Health Insurance Plan

The eligibility criterial are as follows:

Parameters	Eligibility Criteria
Minimum entry age	5 Months 16 Days (For Gold Plan)
Maximum entry age	65 Years
Sum insured	The Sum Insured options available under the plan are Rs. 1.5/2/3/4/5/10/15 lakhs and the Gold plan are Rs. 3/4/5/10/15/20/25 lakhs

Variants of Star Medi Classic Health Insurance Policy

The two different variants of Star Medi Classic policy are as follows:

Features	Basic	Gold
Minimum Entry Age	5 Months	16 Days
Sum Insured	Rs. 1.5/2/3/4/5/10/15 Lakhs	Rs. 3/4/5/10/15/20/25 Lakhs
Room Rent	2% of the Sum Insured	Private Single AC Rooms
Cataract	Covered Up to Rs. 40,000	Covered Up to Rs. 60,000
Organ Donor	Not Covered	Covered Up to Sum Insured
New Born Baby Cover	Not Covered	Covered Up to 10% of the Sum Insured
Ambulance	Covered Up to Rs. 2,000	Covered Up to Rs. 1,500

Benefits of Star Medi Classic Health Insurance Plan

Below mentioned are the benefits of the Star Medi Classic Health Insurance Plan:

• Expansive Hospital Network: Access vast network hospitals of over 9,900 hospitals across India, providing you with widespread medical support.
• Pre-Hospitalisation Coverage: The Star Health Medi Classic plan covers medical expenses incurred up to 30 days before hospital admission.
• Post-Hospitalisation Support: Receive coverage for medical expenses up to 60 days after discharge, ensuring continued post-treatment care.
• Health Check-up Benefit: For a sum insured of Rs. 2 lakhs and above, enjoy the perk of a health check-up after every four claim-free years.
• Cumulative Bonus for Family Package Plan: Get a cumulative bonus of 5% of the basic sum insured for every claim-free year, with a maximum accumulation of 25%.
• Automatic Restoration: The basic sum insured is automatically restored by 200% once during the policy period, ensuring continued coverage.
• Super Restoration (Gold Plan Exclusive): The Gold Plan offers super restoration, bringing back the basic sum insured by 100% for the remaining policy period after the first restoration.
• Non-Allopathic Treatment Coverage: Avail coverage for non-allopathic treatments, up to 25% of the basic sum insured, with a maximum limit of Rs. 25,000 throughout the policy period.
• Shared Accommodation Benefit (Gold Plan Exclusive): Receive a lump-sum payment when occupying shared accommodation during in-patient hospitalization.
• Direct In-House Claim Settlement: Enjoy a fast and hassle-free claim settlement process directly in-house, eliminating the need for a third-party administrator.
• Grace Period for Renewal: Benefit from a 30-day grace period for policy renewal after the expiry date.

Inclusions of Star Medi Classic Health Insurance Plan

The inclusions of Star Medi Classic Health Insurance policy are as follows:

• In-Patient Hospitalization: Hospital expenses for more than 24 hours due to illness, injury, or accidents are covered.
• Pre-Hospitalisation: Medical expenses up to 30 days before hospital admission are covered.
• Post-Hospitalisation: Medical expenses up to 60 days after discharge are covered.
• Room Rent: Expenses for room, boarding, and nursing during hospitalization are covered up to 2% of the basic Sum Insured per day.
• Road Ambulance: Ambulance charges are covered and the exact amount depends upon the variant type you opt for.
• Day Care Procedures: Procedures requiring less than 24 hours of hospitalization due to technological advancements are covered.
• Modern Treatment: Expenses for modern treatments like Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc., are covered.
• Non-Allopathic Treatment / AYUSH Treatment: Treatment expenses under Ayurveda, Unani, Siddha, and Homeopathy are covered up to 25% of the Sum Insured.
• Cataract Treatment: Expenses for cataract treatment are covered.
• Automatic Restoration of Basic Sum Insured: If the coverage limit is exhausted, 200% of the basic Sum Insured is restored once during the policy year.
• Psychiatric and Psychosomatic Coverage: Treatment expenses for psychiatric and psychosomatic disorders are covered after 5 consecutive days of hospitalization.
• Family Package Plan: Available for individuals from 5 months to 45 years, with the sum insured divided equally among family members.
• Cumulative Bonus: Eligible for a 5% cumulative bonus for every claim-free year, up to a maximum of 25% of the basic Sum Insured.
• Health Check-Up: Coverage for health check-ups up to 1% of the basic Sum Insured, subject to a maximum of Rs. 5000, after every block of four claim-free years.
• Co-payment: A 10% co-payment applies to each admissible claim amount for insured persons aged 61 years and above.

Exclusions of Star Medi Classic Health Insurance Plan

Following are the exclusions of Star Medi Classic policy:

• Hospitalization out of War: If you get hospitalized because of war, this policy won't cover it.
• Intentional Self-Injury: If you hurt yourself on purpose, the insurance won't pay for it.
• AIDS: If you have AIDS, the policy won't cover expenses related to it.
• Miscarriage and Abortion: Costs for miscarriage and abortion are not covered by this policy.
• Congenital Diseases: Diseases that you're born with (congenital) are not covered.
• Infertility: Expenses related to infertility are not included in this policy.

Documents Needed for Star Medi Classic Health Insurance

To get Star Medi Classic Health Insurance, you need to provide the following documents:

• A duly filled Application Form.
• Identity Proof like an Aadhar card, Passport, Voter ID, or Driver's license
• Age Proof, such as Birth Certificate, School Leaving Certificate, or Passport.
• Address proof, like, Utility Bills, Rental Agreement, or Aadhar Card
• Small-sized photographs
• Sometimes, you might need health check-up reports before getting the insurance.
• Any other papers the insurance company asks for.

How to Buy a Star Medi Classic Health Insurance Plan?

It's easy to get Star Medi Classic Health Insurance from InsuranceDekho. Just do these things:

Step 1: Go to the InsuranceDekho website and click on "Health Insurance" in the Insurance section.

Step 2: Choose "Star Health Insurance" from the list of Health Insurance Companies.

Step 3: Pick the "Medi Classic" plan from the list of available plan options.

Step 4: Read and understand the rules in the Medi Classic policy document.

Step 5: Upload all the needed documents to finish the KYC process

Step 6: After that, pay the insurance premium money online.

Step 7: Get the policy document in your email.

Claim Process for Star Medi Classic Health Insurance Plan

You can claim the Star Medi Classic Health Insurance Plan in two ways:

Cashless Claim

• Go to a hospital connected with Star Health Insurance.
• Give your Medi Classic plan details and the info they need.
• Give the papers they ask for, and the insurance company will approve the expenses.
• Lastly, the insurance company will pay the hospital without you doing anything.

Reimbursement Claim

• Pick a hospital near you in the Star Insurance network.
• Pay your medical bills there.
• Ask for a reimbursement claim on the insurance company's website.
• Give them the Medi Classic claim form and all the plan info.
• After checking, the insurance company will give you money back for your medical costs.