Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Network hospitals
14000+
Claim settlement ratio
99.06%
Sum insured
2 CR
No. of Plans
21
Solvency Ratio
1.7
Pan India Presence
815
Medi classic insurance policy provides cover for hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries so that you can keep your dreams alive. Medi Classic Insurance Policy offers additional features such as coverage for psychiatric and psychosomatic disorders, newborn baby cover, additional road traffic accident cover, and more under an alternative variant known as star health medi classic gold plan.
The modern world is filled with high risks and uncertainties. Just one unexpected event of hospitalization is enough to wipe out years of savings that were meant to realize your dreams. Health Insurance protection is the need of the hour to protect your savings.
Medi classic insurance policy is one of the most sought-after insurance policies with multiple features and benefits like hospital cover; non-allopathic treatments; emergency ambulance cover; coverage for pre-existing disease and coverage for pre and post-hospitalization.
Star Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Minimum: Gold Plan- 16 days to 65 years Adult: 5 months
Maximum: 65 Years
Individual
1/2/3 Years
2 | 3 | 4 | 5 | 7.5 |10 | 15 | 20 | 25 | 30 | 50 Lakhs & 1 | 1.5 Crore
30 Days*
*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.
With wide coverage options, Star Health Medi Classic plan lets you customize your health insurance plan as per your requirements:
Coverage for SI: Basic
Room Rent
2% of SI
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not covered
COVID-19 Treatment
Not Covered
Cataract
Covered Up to Rs. 40,000
No Claim Bonus
Available up to 25% of SI
Automatic Restoration
Applicable up to 200% of SI
Daily Hospital Cash
Up to 1K
Organ Donor
Not Covered
Maternity Cover
Not Available
New Born Baby Cover
Not Available
AYUSH Treatment
Covered up to 25% of SI
IVF Treatment
Not Available
Modern Treatment
Available
Ambulance
Covered up to Rs. 1500
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Applicable, 10% co-pay on all claims
Sub-limits
Available
Coverage for SI: Gold
Room Rent
Private Single A/C Rooms
ICU Charges
Covered
Pre-Hospitalization
Covered up to 30 days
Post-Hospitalization
Covered up to 60 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not covered
COVID-19 Treatment
Not Covered
Cataract
Covered Up to Rs. 60,000
No Claim Bonus
Available up to 25% of SI
Automatic Restoration
Applicable up to 200% of SI
Daily Hospital Cash
Up to 1K
Organ Donor
Covered up to SI
Maternity Cover
Not Available
New Born Baby Cover
Covered up to 10% of SI
AYUSH Treatment
Covered up to 25% of SI
IVF Treatment
Not Available
Modern Treatment
Available
Ambulance
Covered up to 2K
Air Ambulance
Not Available
Compassionate Travel
Not Available
Global Coverage
Not Available
E-Consultation
Not Available
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Available
Co-payment
Applicable, 10% co-pay on all claims
Sub-limits
Available
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:
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 cash amount that you receive each day during the time of hospitalization.
Coverage status under Star Health Medi Classic Plan?
The daily hospital cash is available up to 1k to a maximum of 7 days per hospitalization and 14 days per policy period.
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.
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Star Health Medi Classic Plan?
Not covered
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Coverage status under Star Health Medi Classic Plan?
Covered, up to 10% of SI or Rupees Fifty thousand, whichever is less, subject to the availability of the Basic Sum Insured.
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Star Health Medi Classic Plan?
Covered Up to 25% of SI.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Health Medi Classic Plan?
Not available.
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Star Health Medi Classic Plan?
Under Star Health Medi classic Policy modern treatments are covered.
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.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Star Health Medi Classic Plan?
Under Star Medi Classic Plan health checkup is available
3 to 5 Lakh INR - Up to 1,500 for every claim-free year
10 and 15 Lakh INR - Up to 2,500/- for every claim-free year
20 and 25 Lakh INR - Up to 5,000/- for every claim free year
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.
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Health Medi Classic Plan?
The plan does not cover vaccination expenses.
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.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.
Status under Star Health Medi Classic Plan?
Applicable,
Permanent diseases or health conditions that are not included under Star Health Medi Classic Plan are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
AIDS
Miscarriage, and abortion
Congenital disease
Infertility and in vitro fertilization
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
To understand how much premium an amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.
Sum Insured (in Rs.) | 1.5 Lakh | 5 Lakhs | 10 Lakhs | 15 Lakhs |
Premium Payable | 4,613 | 7,233 | 9,403 | 11,284 |
Sum Insured (in Rs.) | 3 Lakhs | 5 Lakhs | 15 Lakhs | 25 Lakhs |
Premium Payable | 6,639 | 8,101 | 12,638 | 16,277 |
Sum Insured (in Rs.) | 1.5 Lakh | 5 Lakhs | 10 Lakhs | 15 Lakhs |
Premium Payable | 8,766 | 13,743 | 17,866 | 21,439 |
Sum Insured (in Rs.) | 3 Lakh | 5 Lakhs | 15 Lakhs | 25 Lakhs |
Premium Payable | 12,614 | 15,329 | 24,012 | 30,927 |
Sum Insured (in Rs.) | 1.5 Lakh | 5 Lakhs | 10 Lakhs | 15 Lakhs |
Premium Payable | 12,802 | 20,072 | 26,094 | 31,312 |
Sum Insured (in Rs.) | 3 Lakh | 5 Lakhs | 15 Lakhs | 25 Lakhs |
Premium Payable | 18,422 | 22,481 | 35,070 | 45,170 |
Get tax relief under section 80D
Avail multiple discounts under gold plan coverage
Avail Additional Sum Insured for road traffic accident
Avail hospitalization expenses
Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Family Discount: 5% discount is available if 2 or more family members are covered under this policy
Major Organ Donor Discount: If at the time of renewal if the insured person submits proof that he/she has donated a major organ, a discount of 25% of the premium is available at the time of renewal. This discount is available even for subsequent renewals also.
If the insured person meets with a Road Traffic Accident resulting in patient hospitalization, then the basic sum insured shall be increased by 50%.
If the insured person is diagnosed with psychiatric or psychosomatic disorder for the first time and hospitalized for a minimum period of 5 consecutive days under this policy, then the Company will pay hospitalization expenses up to Basic Sum Insured consecutive days.
Star Health offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.
Unique Features
Standard
A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.
Unique Features
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Cardiac
Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
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August 9, 2023
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Delhi
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