Medi Classic Insurance Policy
  • Secured hospitalization
  • Road accident protection
  • Comes in 2 variants
Star Health Insurance
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star Medi Classic Insurance Policy

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.

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Star Health Medi Classic Insurance Plan Specifications

Child Entry Age

Minimum: Gold Plan- 16 days to 65 years Adult: 5 months

Adult Entry Age

Maximum: 65 Years

Policy Type

Individual

Policy Term

1/2/3 Years

Sum Insured

2 | 3 | 4 | 5 | 7.5 |10 | 15 | 20 | 25 | 30 | 50 Lakhs & 1 | 1.5 Crore

Initial Waiting Period*

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.

Read more specifications in the brochure.

Choose your Star Medi Classic 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

In-patient & Out-patient Coverage

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

Coverage Terms

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

Alternative Treatments

AYUSH Treatment

Covered up to 25% of SI

IVF Treatment

Not Available

Modern Treatment

Available

Emergency Coverage

Ambulance

Covered up to Rs. 1500

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Covered

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

Applicable, 10% co-pay on all claims

Sub-limits

Available

What is Room Rent?

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

What are ICU Charges?

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

What is Pre Hospitalization?

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.

What is Post Hospitalization?

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.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

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.

What are OPD charges?

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.

What is COVID-19 Treatment?

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.

What is Cataract Treatment?

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

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

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

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

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.

What is AYUSH Treatment?

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.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Health Medi Classic Plan?

Not available.

What is a Modern Treatment?

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.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

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.

What is Compassionate Travel?

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

What is Global Coverage?

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

Coverage status under Star Health Medi Classic Plan?

Not available

What is E-Consultation?

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.

What is a Health Checkup?

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

What is a Second Medical Opinion?

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.

What is Vaccination cover?

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.

What is Co-payment?

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.

What is the Sub limit?

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,

  • Room rent: 2% of the Sum Insured subject to a maximum of INR 5000/- per day and *Private Single A/c Room for SI of Rs. 5 Lakh INR and above
  • Cataract surgery: For SI 20 and 25 Lakh up to INR 45,000 per eye
  • Road Ambulance: INR 2000/- per hospitalization.

Other Health Insurance Companies

Star Health Medi Classic Plan Exclusions

Permanent Exclusions

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

Coverage after Waiting Period

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

Sample Premium Illustration of Star Health Medi Classic Plan

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.

1-year policy term

Sum Insured (in Rs.)1.5 Lakh5 Lakhs10 Lakhs15 Lakhs
Premium Payable4,613 7,233 9,403 11,284

Gold Plan

Sum Insured (in Rs.)3 Lakhs5 Lakhs15 Lakhs25 Lakhs
Premium Payable6,639 8,101 12,638 16,277

2-year policy term

Sum Insured (in Rs.)1.5 Lakh5 Lakhs10 Lakhs15 Lakhs
Premium Payable8,766 13,743 17,866 21,439

Gold Plan

Sum Insured (in Rs.)3 Lakh5 Lakhs15 Lakhs25 Lakhs
Premium Payable12,614 15,329 24,012 30,927

3-year policy term

Sum Insured (in Rs.)1.5 Lakh5 Lakhs10 Lakhs15 Lakhs
Premium Payable12,802 20,072 26,094 31,312

Gold Plan

Sum Insured (in Rs.)3 Lakh5 Lakhs15 Lakhs25 Lakhs
Premium Payable18,422 22,481 35,070 45,170

Star Health Medi Classic Plan Benefits

Tax Benefits

Get tax relief under section 80D

Discounts (only under gold plan)

Avail multiple discounts under gold plan coverage

Additional Sum Insured

Avail Additional Sum Insured for road traffic accident

Psychiatric and Psychosomatic treatments

Avail hospitalization expenses

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Discounts (only under gold plan)

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.

Additional Sum Insured

If the insured person meets with a Road Traffic Accident resulting in patient hospitalization, then the basic sum insured shall be increased by 50%.

Psychiatric and Psychosomatic treatments

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.

Explore other Star Health Plans

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

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

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

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

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

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Women Care

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Top-up

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

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

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Cardiac

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

COVID-19

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

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

  • Day care procedures
  • Modern treatments
  • Cataract treatment

Micro Rural and Farmers Care (Pros)

  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Micro Rural and Farmers Care (Cons)

  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

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

  • Diagnostics and physiotherapy
  • Pharmacy
  • Ophthalmic cover

Star Out Patient Care (Pros)

  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Out Patient Care (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Out Patient Care (Other Benefits)

  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

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

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

hiendraptl

Vadodara

August 9, 2023

i have calim register in 20.7.23 for some of query by resolve it. but last one letter rejection for missprtaiton for agr rejected calim - but can not be any advise what to do - in the star hea...

Customer Review Image

Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

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sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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