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

Network hospitals

14000+

premium

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

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

Incurred claim ratio

65%

premium

Sum insured

Up to 2 CR

premium

No. of Plans

24

premium

Solvency Ratio

2.0

premium

Pan India Presence

850+

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.

Star Health Medi Classic Plan Benefits

Find the details below:

  • 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.
  • Restoration Benefit

    According to the policy, you will get a restoration for illness or disease, if you exhaust the sum insured.
  • Installment Facility

    You can pay the premiums in monthly, quarterly, or half-yearly installments. Or you can also opt for the yearly installments.
  • Coverage for Newborn Baby

    After the 16th day of the baby’s birth, the baby will be covered in any case of medical emergency or hospitalisation.

Key Features of Star Medi Classic Plan

  • You will get good restoration benefits when you make a claim, and it will get doubled for the same year.
  • The plan covers daycare treatment, if you are hospitalised for less than 24 hours.
  • Upto INR 25000 Sum Insured for AYUSH Treatment.
  • Ambulance charge coverage.
  • Pre-existing diseases will be covered after 48 months of buying the policy.
  • Treatment included for newborn babies.

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.

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

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:

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

Protection Plan

This plan is designed to enhance your base health policy’s sum insured to provide maximum coverage for room rent, modern treatment, etc.

Unique Features

  • Modern care optimization
  • Base plan enhancement
  • AYUSH treatment extender

Young Star Extra Protect (Pros)

  • Modern treatment coverage
  • Room rent limit extension
  • Base policy’s sum insured enhancement
  • Features similar to the base policy
  • Home care treatment

Young Star Extra Protect (Cons)

  • No maternity cover
  • Limited to SI of base policy
  • Organ donor expenses not covered
  • Vaccination not covered
  • COVID-19 care not covered

Young Star Extra Protect (Other Benefits)

  • Individual & family floater plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH Treatment cover

Young Star Extra Protect (Eligibility Criteria)

  • Minor entry age - 91 days - 25 years
  • Adult entry age - 18 - 40 year
  • SI - Base policy above INR 10 Lakhs
  • Waiting Period - As per the base policy

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

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

Individual Plan

A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.

Unique Features

  • Affordable Premiums
  • Long Term Discounts
  • Automatic Restoration

Star Health Premier Policy (Pros)

  • Cataract Treatment Cover
  • 10% Health Check- Up Discount
  • High SI
  • Home Care Treatment
  • Road Ambulance Cover

Star Health Premier Policy (Cons)

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

Star Health Premier Policy (Other Benefits)

  • Hospice Care
  • Pain Management
  • AYUSH Treatment
  • Modern Treatment
  • 100% Cumulative Bonus

Star Health Premier Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 10 L to 1 Cr
  • 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

Care Policy

A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options

Unique Features

  • High SI available
  • 100% No Claim Bonus
  • Avail Non-Cardiac Cover

Star Cardiac Care Policy-Platinum (Pros)

  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Star Cardiac Care Policy-Platinum (Cons)

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

Star Cardiac Care Policy-Platinum (Other Benefits)

  • Wellness Services
  • Angiogram Test
  • Modern Treatments
  • Pain Management
  • Health Check-ups

Star Cardiac Care Policy-Platinum (Eligibility Criteria)

  • Entry Age - 7 Years
  • Max Entry Age - 70 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Affordable Plan

It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.

Unique Features

  • Two Plan Variants
  • Individual and Family Floater
  • Affordable

Star Hospital Cash Policy (Pros)

  • 3 Years Policy Term
  • Cover up to 3 Children
  • 180 days of hospital cash days
  • Comprehensive Plan
  • Various Hospital Cash Covers

Star Hospital Cash Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Star Hospital Cash Policy (Other Benefits)

  • Sickness Hospital Cash
  • Accident Hospital Cash
  • ICU Hospital Cash
  • Child Birth Hospital Cash
  • Worldwide Hospital Cash

Star Hospital Cash Policy (Eligibility Criteria)

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

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

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

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

Individual Plan

Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.

Unique Features

  • No pre-policy check-up
  • Affordable Plan
  • Flexible premium payment

Special Care Gold Insurance Policy (Pros)

  • HIV/AIDS Cover
  • Waiver of Co-Payment
  • Cataract Treatment Cover
  • Day Care Treatments
  • Road Ambulance Cover

Special Care Gold Insurance Policy (Cons)

  • 20% Co-pay applicable
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Special Care Gold Insurance Policy (Other Benefits)

  • Pre Hospitalization Cover
  • Post Hospitalization Cover
  • Disability Cover
  • High SI
  • Modern Treatment Cover

Special Care Gold Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 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

Accident Plan

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Individual Plan

A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.

Unique Features

  • Cataract Cover
  • Affordable Premiums
  • Flexible Payment Options

Diabetes Safe Policy (Pros)

  • Road Ambulance Cover
  • Pre and Post Hospitalization
  • ICU Cover
  • Room Rent Cover
  • Day Care Treatment Cover

Diabetes Safe Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Diabetes Safe Policy (Other Benefits)

  • Dialysis Cover
  • Kidney Transplant Cover
  • Artificial Limbs Cover
  • Personal Accident Cover
  • OPD Cover

Diabetes Safe Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Platinum Plan

A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.

Unique Features

  • High SI
  • Affordable Premiums
  • Flexible Payment Options

Cancer Care Platinum Policy (Pros)

  • Cataract Cover
  • No pre-medical check-up
  • Lump Sum Cover
  • 50% Cumulative Bonus
  • Hospice Care

Cancer Care Platinum Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Cancer Care Platinum Policy (Other Benefits)

  • Second Medical Opinion
  • Rehabilitation Cover
  • Pain Management
  • Day Care Treatment
  • Modern Treatment Cover

Cancer Care Platinum Policy (Eligibility Criteria)

  • Entry Age - 5 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 30 Days

Critical Plan

A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.

Unique Features

  • High SI
  • Affordable Premiums
  • Tax Benefits

Critical Illness Multipay Policy (Pros)

  • Flexible Payment
  • Long Term Policy
  • Bone Marrow Transplantation
  • Heart Disease Cover
  • 4 Group CI Covered

Critical Illness Multipay Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Critical Illness Multipay Policy (Other Benefits)

  • Open Chest CABG
  • Heart Transplantation
  • Coma of Specified Severity
  • Wellness Programs
  • Major Head Trauma

Critical Illness Multipay Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Critical Plan

A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.

Unique Features

  • Tax Benefits
  • High SI
  • Multiple Optional Covers

Smart Health Pro Plan (Pros)

  • Modify Room Category
  • Up to 600% Cumulative Bonus
  • Reduced Waiting Period
  • Non-Medical Items Covered
  • Unlimited Automatic Restoration

Smart Health Pro Plan (Cons)

  • Adventure Sports Injuries
  • AIDS not covered
  • Injuries due to Illegal activities
  • No IVF Treatment
  • Obesity Not Covered

Smart Health Pro Plan (Other Benefits)

  • Multiple Discounts Available
  • Family Health Cover
  • Daycare Treatments
  • Air Ambulance
  • Domiciliary Hospitalization

Smart Health Pro Plan (Eligibility Criteria)

  • Entry Age: 18 Years
  • Maximum Entry Age: 50 Years
  • SI - 5 L to 1 Crore
  • Waiting Period - 30 Days

Protection Plan

Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy

Unique Features

  • Additional SI
  • Enhanced Protection
  • Tax Benefits

Extra- Protect Policy (Pros)

  • Enhanced Room Rent
  • Non-Medical Items Covered
  • Affordable Premiums
  • Baby Food Cover
  • Ambulance Cover

Extra- Protect Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Extra- Protect Policy (Other Benefits)

  • Modern Treatment Cover
  • Oral Chemotherapy
  • Robotic surgeries
  • AYUSH Treatment
  • Home Care Treatment

Star Medi Classic Insurance Policy: FAQ's

1. What is Star Medi Classic policy?

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.

2. What are the coverage benefits of Star Health Medi Classic Policy?

Star Health Medi Classic Policy provides coverage for hospitalisation, hospital room rent, ICU charges, domiciliary hospitalisation, cataract treatment, AYUSH treatment and modern treatment.

3. Are organ donor expenses covered under Star Health Insurance?

Yes, organ donor expenses are covered under Star Health Medi Classic Policy.

4. Can I cover my newborn baby in the policy?

Yes, you can cover your newborn baby after the 16th day of birth.

5. What is the waiting period of Star Medi Classic policy?

The initial waiting period is 30 days, the specific waiting period is 24 months, and for the pre-existing disease, it is 48 months.

6. How many times can I renew my Star Medi Classic health insurance policy?

You can renew your Star Medi Classic Insurance multiple times.

7. How to check the Star Medi Classic insurance policy details?

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.

8. What is the maximum coverage of Star Health Insurance?

Star Health Insurance provides coverage for up to INR 2 Crores.

9. Can I claim without hospitalisation?

Yes, you can claim daycare treatment, in this case, no hospitalisation is needed.

10. What is the age limit for enrolling in Star Health Medi Classic?

Yes, the minimum age for entry is 18 years, and the maximum age is 65 years.

Other Health Insurance Companies

Star Health Insurance Policy Review

Read what customers think about the Star Health Insurance Policy.

Customer Review Image

Simran

Jamshedpur

April 8, 2024

I am impressed by Star Health reward features and want to be associated with the insurer for a long time

Customer Review Image

Dinesh

Belgaum

April 8, 2024

I required emergency hospitalization on my family trip to a remote city and PolicyX helped me find the nearest network hospital of Star health insurance

Customer Review Image

Nitika

Jalandhar

April 8, 2024

My grandparents are over 60 years old and I wanted to look for the best senior citizen health plan for them when PolicyX introduced me to Star Red Carper Health policy

Customer Review Image

Ashima

Amritsar

April 8, 2024

I was skeptical about investing in a family health plan thinking the coverage features will not be enough but Star comprehensive health plan proved me wrong, thank you policyX for finding the b...

Customer Review Image

Shikha Bajaj

Gurgaon

April 8, 2024

I have been associated with Star Health Insurance for over 3 years now and have had a smooth insurance experience

Customer Review Image

Kanupriya

Rajkot

April 8, 2024

I liked how my Star health insurance provides health check-ups, hospitalization, accidental cover, and so on at an affordable rate. Thank you PolicyX for encouraging me to buy it.

Customer Review Image

Neha Sukheja

Indore

April 8, 2024

I got treated with Angioplasty surgery and I’m thankful that the Star Comprehensive plan covered my treatment expenses and saved my hard-earned money.

Customer Review Image

Vaidehi Kanaujia

Indore

April 8, 2024

I have been insured with a Star Health Assure policy that I bought at the suggestion of PolicyX’s agent. I got my claims settled two times in a year and I highly recommend this policy.

View All Star Health Insurance Reviews

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.