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Star Medi Classic Health Insurance

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Star Health Insurance
Medi Classic Insurance Policy
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About 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:




Hospital Cash, Patient Care


Basic and Gold

Policy Period

1, 2 and 3 Years

Key Features

Health Check-up Benefit, Flexible Premium Payment, etc.


Room Rent, Road Ambulance, etc.


Intentional Self Harm, AIDs, etc.



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:


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:




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


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


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.

Health Insurance Calculator

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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

9625 Star Cashless Network Hospitals in India

Medi Classic Insurance Policy User Reviews

Write your review
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 generation, policy issuance, claim settlement and renewal are streamlined. The website excels in terms of providing relevant information as well. Glad to issue Star Health Insurance’s Medi Classic Insurance policy from here.

    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 prefer the medium of Whatsapp. I gathered all the required information about Star Health Insurance’s Medi Classic Insurance Policy. It has been proven out to be the best choice for my family.

    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 procedure was digital, so no paperwork was needed. I filled in my family’s details, selected the plan and paid for it. Later, I received a soft copy of my documentation.

    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 arising due to sickness, disease, illness etc. Also, only personal or car accidental injuries are covered under this policy. I am happy to buy this from insurancedekho and have understood the features etc in detail.   

    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, in patient hospitalisation cover, in patient and pre and post hospitalisation expenses are covered too. I am satisfied with the services as I got the policy documents on time too.   

    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.

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