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The Medi Classic Insurance Policy covers hospitalisation expenses incurred due to illness, disease, sickness, or accidental injuries. It also offers additional features like coverage for psychiatric and psychosomatic disorders, newborn baby cover, and additional road traffic accident cover, especially under its alternative variant, the Star Health Medi Classic Gold Plan.
In today's uncertain world, a single unexpected hospitalisation can deplete years of savings. Health insurance is essential to protect your financial future.
The Medi Classic Insurance Policy is a popular choice, offering features such as hospital cover, non-allopathic treatments, emergency ambulance cover, and coverage for pre-existing diseases, as well as pre and post-hospitalisation expenses.
| PLAN DETAILS |
Star Medi Classic Insurance Policy |
Max Health Aspire Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Applicable | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Covered |
| Plan Entry Age | 16 days to 65 years | 18 years |
| Plan Premium Entry Age and S/A | 11096 | 1480 |
| Plan Waiting Period | 30 | 30 Days |
| Plan Coverage | - | - |
| Plan Sample Premium | - | 1480 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1/2/3 Years | 2 and 3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.06 | 94.4 |
| Solvency Ratio | 2.21 | 3.03 |
|
Star Health Insurance Plan Detailed Review Niva Bupa Aspire Health Plan | Best Health Insurance 2024 | |
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