Star Medi Classic Insurance Policy

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Star Health Medi Classic Plan?

Under Star Health Medi Classic Plan, the room rent is 2% of SI to a maximum of Rs.5000/- per day.

Room rent available for *Private Single A/c Room for SI of Rs. 5 Lakh INR and above

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Health Medi Classic Plan Plan?

Under Star Health Medi Classic Plan, ICU charges are covered

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Health Medi Classic Plan?

This plan covers medical expenses incurred during pre-hospitalization for up to 30 days.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Health Medi Classic Plan?

Lifeline Classic: This plan covers medical expenses incurred during post-hospitalization for up to 60 days.

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Star Health Medi Classic Plan?

Under Star Health Medi Classic Plan, domiciliary hospitalization is available for medical treatment (including AYUSH) for a period exceeding three days.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Health Medi Classic Plan?

This plan covers the expenses of all daycare procedures.

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Star Health Medi Classic Plan?

Not covered under the plan.

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.

Coverage status under Star Health Medi Classic Plan?

COVID-19 treatment coverage is not available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Star Health Medi Classic Plan?

The plan covers Cataract

Up to 2 lakh INR - 12K per person per policy period 3 lakh INR - 20,000/- per eye per person and not exceeding 30,000/- per person per policy period

10 lakh and 15 lakh INR - 30,000/- per eye per person and not exceeding 40,000/- per person per policy period

20 lakh and 25 lakh INR - 45,000/- per eye and not exceeding 60,000/- per person per policy period

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Health Medi Classic Plan?

The cumulative Bonus will be increased by 5% in respect of each claim-free policy year to a maximum of 25% of the sum insured.

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Health Medi Classic Plan?

Applicable, Automatic restoration of the Basic Sum Insured by 200%, once during the policy period, immediately upon exhaustion of the limit of coverage

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Health Medi Classic Plan?

Under the plan, Organ Donor expenses are covered along with a 25% major organ donor discount under the gold plan.

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Star Health Medi Classic Plan?

Available up to INR 1500 with the additional benefit of up to INR 2K in the gold plan.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Health Medi Classic Plan?

Not Covered.

Refers to the traveling expenses of a family member of the insured person in case the policyholder get admitted to a hospital outside his/her residential city.

Coverage status under Star Health Medi Classic Plan?

Not available

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Health Medi Classic Plan?

Not available

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Health Medi Classic Plan?

The plan does not cover the expenses for e-consultation.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Star Health Medi Classic Plan?

Not Covered.

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Star Health Medi Classic Plan?

Applicable, 10% co-pay on all claims.