Star Medi Classic Health Insurance

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. 

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 

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 

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.

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.

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.

Yes, 101 daycare treatments are allowed under this policy.

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

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

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.

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.

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.

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.