Star Health Mediclassic Plan

(eldest member)
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Mediclassic Insurance plan (Individual)

The Mediclassic Insurance plan provided by the Star Health Insurance Company is different from other insurance plans as it provides coverage for non- allopathic treatments as well up to certain limits. Apart from this it provides coverage for pre-existing diseases, and much more. It is available in family package as well. The sum insured under this plan is disbursed equally among the family members covered. This plan covers a child from an age group of 5 months to an adult of 65 years. The person who buys this plan will get add on covers as well as an automatic restoration service. A free look period is provided to the customer for checking the plan’s terms & conditions. If the customer is not satisfied, then he/she can cancel the plan and the company will refund the amount after deducting the pre-acceptance fees of medical screening.

Benefits & Features

The major benefits of the plan are

  • Covers 101 day care treatments

  • Tax benefit

  • Provides coverage for pre and post hospitalization expenses up to a specified time period

  • Covers hospitalization expenses post completion of 24 hrs and includes boarding charges, surgeon’s fee, anesthetist, medical practitioner room rent, consultants, specialist fee, medical and drug charges, ambulance charges up to specified limits, nursing etc.

  • Customers can get add-on covers along with the plan that would provide benefits of patient care in which a person aged 60 years and more can get insured easily and the company will pay the attendant charges as per the plan norms.

  • Pre and post hospitalization: Post-hospitalisation paid as lump-sum upto the limit specified.

  • Daycare procedure: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.

  • Health checkup benefit and additional bonuses as well.

What it covers?

Apart from basic coverage, such as hospitalization charges, pre /post hospitalization expenses, ambulance charges, it covers-

  • Non- allopathic treatment: Providing coverage up to define limits

  • Pre- Existing Diseases: the plan covers pre-existing diseases after completion of 48 successful months without any break.

  • HIV coverage: an HIV positive person can also buy the plan provided that the CD 4 count at the time of entrance is above 350 (proof to be produced).

  • Add on covers: insured will get the benefits of patient care in which an individual of 60 years or more can get insured and the company will pay the attendant as per the plan norms. Secondly, insured will get the hospital cash at the completion of hospitalization.

  • The customer also gets 'health checkup benefits' in which company covers the cost of health checkup after four claim free years.The sum insured is distribute equally among insured family members. The health checkup benefit will be evaluated on the sum insured and equally divided among all the insured members.

Automatic Restoration of sum insured

In the case of a claim, if the whole sum insured is exhausted and the plan has not yet terminated, then the automatic restoration of sum insured will become effective and the amount will be restored to the basic amount only once. This restored amount can be utilized in the remaining plan period, for any other illness / diseases which is not covered by the basic insurance plan.

Documents & Eligibility

People between the age group of 5 months to 65 years can buy this plan. This plan is available in the family package as well It requires basic documents such as age proof, ID proof, passport size photos and address proof.
If you have decided to buy health insurance online, then there are few documents that you need to provide such as:

  • Age proof - Any one of Birth Certificate, 10th or 12th mark sheet, Driving License, Passport, Voter ID, etc

  • Identity proof - Driving License, Passport, Voter ID, PAN Card, Aadhar Card, which proves ones citizenship

  • Address proof - Electricity Bill, Telephone Bill, Ration Card, Driving License, Passport, should clearly mention the permanent address.

  • Some plans require a medical check-up usually for elder people above the age of 45 years in order to make sure that the insured does not suffer from any chronic illness.

  • Passport Size Photo to have a record of the insured person`s identity for future references.

Buy Health Insurance Online in Few Easy Steps

If you have decided to buy health insurance online, then there are few documents that you need to provide such as:

  • Very easy to buy, hassle free buying without going through heaps of paperwork

  • Takes less than 10 minutes to complete a purchase.

  • Simply enter basic requirements details as per the need and preference to find the best insurance plan for you.

  • Compare plans from various companies in less than 30 seconds and take a wise decision for your insurance investment.

  • Choose a plan which fulfills your criteria of insurance and be insured within minutes.

  • Complete online proposal form in 5 minutes, which asks you for your basic details for further reference.

  • Upload your documents and make payment towards the plan you want to opt for.

  • Bingo: You are now covered under the policy.

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