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All about Star Health Insurance and Plans
Star Health Insurance
Star Medi Classic Insurance Policy
The Star Medi Classic Policy covers hospitalisation for illnesses, spe ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,753 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Medi Classic Insurance Policy
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
16 days to 65 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹2 L, ₹3 L, ₹4 L, ₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹30 L, ₹50 L, ₹1 L, ₹1 L
Waiting period
30 days
Renewability
NA
Policy term
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Plan Variants Available
- Customizable Plan
- Hospital-Cash Benefit
- 5% Family Discount
- Organ Donor Cover
Cons
- 10% Co-payment
- Obesity Treatment Unavailable
- Hazardous Activity not covered
- HIV/AIDS not covered
- Cosmetic Surgery unavailable
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Not covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Applicable
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Health Medi Classic Plan Benefits
Find the details below:
-
Tax Benefits
Premiums paid for this plan are eligible for tax benefits under Section 80D of the Income Tax Act, 1961.
-
Discounts (only under Gold Plan)
Family Discount: A 5% discount is available if two or more family members are covered under this policy.
Major Organ Donor Discount: At the time of renewal, if the insured person provides proof of donating a major organ, a 25% discount on the premium is available. This discount applies to subsequent renewals as well.
-
Additional Sum Insured
If the insured person is hospitalised due to a Road Traffic Accident, the basic sum insured will be increased by 50%.
-
Psychiatric and Psychosomatic treatments
If the insured person is diagnosed with a psychiatric or psychosomatic disorder for the first time and hospitalised for a minimum of 5 consecutive days, the company will cover hospitalisation expenses up to the basic sum insured.
-
Restoration Benefit
If the sum insured is exhausted due to an illness or disease, the policy offers a restoration benefit.
-
Installment Facility
Premiums can be paid in monthly, quarterly, half-yearly, or yearly installments.
-
Coverage for Newborn Baby
Newborn babies are covered for medical emergencies or hospitalisation from the 16th day after birth.
Key Features of Star Medi Classic Plan
- The plan offers restoration benefits, which can double the sum insured within the same year upon a claim.
- Daycare treatments, requiring hospitalisation for less than 24 hours, are covered.
- Up to INR 25,000 Sum Insured for AYUSH Treatment.
- Ambulance charges are covered.
- Pre-existing diseases are covered after a waiting period of 48 months from policy inception.
- Treatment for newborn babies is included.
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions that are not included under Star Health Medi Classic Plan are:
- Hospitalisation due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- HIV/AIDS
- Miscarriage and abortion
- Congenital diseases
- Infertility and in-vitro fertilisation
- Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
- Listed ailments: after 24 months
- Pre-existing diseases: after 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age - 16 Days
- Max Entry Age - 65 Years
- SI - 1.5 L to 25 L
- Waiting Period - 30 Days
Other features & benefits
- New Born Baby Cover
- 100% Super Restoration
- Up to 100% No-claim Bonus
- Psychiatric coverage
- Patient Care Cover
Star Medi Classic Insurance Policy: FAQs
The 10 most-asked questions about Star Medi Classic Insurance Policy, answered.
The Star Health Medi classic plan is an individual health insurance plan that provides several kinds of medical coverage. You can claim for cashless bill settlement for hospitalisation, health check-ups, nursing expenses and much more.
Star Health Medi Classic Policy provides coverage for hospitalisation, hospital room rent, ICU charges, domiciliary hospitalisation, cataract treatment, AYUSH treatment and modern treatment.
Yes, organ donor expenses are covered under Star Health Medi Classic Policy.
Yes, you can cover your newborn baby after the 16th day of birth.
The initial waiting period is 30 days, the specific waiting period is 24 months, and for the pre-existing disease, it is 48 months.
You can renew your Star Medi Classic Insurance multiple times.
You can visit the official website of Star Health Insurance Company and enter your registered email address along with your mobile number and password. After logging in you will get your policy details.
Star Health Insurance provides coverage for up to INR 2 Crores.
Yes, you can claim daycare treatment, in this case, no hospitalisation is needed.
Yes, the minimum age for entry is 18 years, and the maximum age is 65 years.
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