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.

Star Medi Classic Health Insurance Wordings

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Highlights

Cashless Approval TAT	90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio	89.90%
Network Hospitals	14,000+
Pre-existing Disease Waiting Period	1 year
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SI	Rs. 410/month

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Star Medi Classic Insurance Policy Brochure

5.54 MB
PDF Document
Apr 16, 2019

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Star Health Insurance Plan List

Name of Plan	Sum Insured
AssurePopular		Check Premium
Young Star Insurance PolicyMin: 91 days; Max: 40 yearsPopular	3 Lakh-1 Crore	Check Premium
Family DeliteMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 months; Max: 65 years	1 Lakh - 5 Lakh	Check Premium
Corona Kavach PolicyMin: 1 Day, Max: 65 Years	50,000 - 5 Lakh	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Outpatient Care Insurance PolicyMin: 31 day; Max: 50 years	25 Thousand - 1 Lakh	Check Premium
Star Micro Rural And Farmers Care PolicyMin: 12 months; Max: 65 years		Check Premium
Star Novel Coronavirus (nCov) (COVID-19) InsuranceMin: 3 months; Max: 65 years		Check Premium
Star Care Micro InsuranceMin: 2 Years; Max: 65 Years	1 Lakh	Check Premium
Criticare PlusMin 18 Years; Max: 65 Years	2 Lakh	Check Premium
Star ComprehensiveMin: 3 Months; Max: 65 Years	5 Lakh	Check Premium
Red CarpetMini: 60 Years; Max 75 Years	1 Lakh	Check Premium
Diabetes SafeMin: 18 Years; Max: 65 Years	3 Lakh	Check Premium
Cardiac CareMin: 10 Years; Max 65 Years	3 Lakh	Check Premium
Medi Classic Insurance PolicyMin: 5 Months; Max: 65 Years	2 Lakh	Check Premium
Cancer Care Gold Min: 5 Months; Max: 65 Years	3 Lakh	Check Premium
Star Health GainMin: 91 Days; Max: 65 Years	1 Lakh	Check Premium
Special Care Min: 3 Years; Max: 25 Years	3 Lakh	Check Premium
Family Health OptimaMin: 16 Days; Max: 65 Years	3 Lakh	Check Premium

Star Health Insurance Top Up List

Name of Plan	Sum Insured
Super SurplusMin: 91 Days; Max: 65 Years	5 Lakh	Check Premium
Star Hospital Cash Insurance PolicyMin: 91 days; Max: 65 years		Check Premium

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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.

View More Questions

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.