Star Health Medi Classic Insurance Policy is one of the best individual Star health insurance policy from Star Health. There are various affordable health insurance options available in Star Health Medi Classic Insurance policy.
Benefits of Star Health Insurance: Medi Classic Insurance policy
The following are the various sum insured options which are at best affordable premiums.
- Rs 1,50,000
- Rs 2,00,000
- Rs 3,00,000
- Rs 4,00,000
- Rs 5,00,000
- Rs 10,00,000
- Rs 15,00,000
This insurance policy is for individuals. Any individual who attains the age of 18 years are eligible up to 65 years.
In case of minor this policy can be issued, if any one parent has insured with us.
The co – payment is 10% of each and every claim for all the new entrants who takes the policy at the age between 61 years to 65 years
An amount of Rs 750 per hospitalisation with over all limit of Rs 1500 in a policy period
Pre And Post Hospitalisation:-
For pre hospitalisation it is 30 days and for post hospitalisation it is 60 days. For post hospitalisation an amount not exceeding 7 % of the hospital bill or a maximum of Rs 5000.
For the purpose calculating hospital bills, only nursing expenses, surgeon or consultation fees, diagnostic expenses and cost drugs and medicines will be taken into account.
The room rent for the Medi Classic insurance Policy will be paid @ 2 % of sum insured subject to a maximum of Rs 5000
The following hospital expenses are covered under Medi Classic Insurance Policy.
- ICU Charges
- Doctor’s fees including the specialist
- Nursing Expenses
- Diagnostic tests
- Operation Theatre Charges
- Pace Maker
101 Day Care Procedures:-
There are about 101 day care procedures including the cataract. However there are sub limits to the cataract and they are as follows.
|For Rs 2 lakhs||Rs 12,000|
|For Rs 3 Lakhs, 4 lakhs and 5 lakhs||Rs20,000 and 30,000|
|For Rs 10,00,000 and Rs 15,00,000||Rs 30,000 and 40,000|
Health Check Ups:-
Any individual under this insurance policy is eligible for hospital check-up expenses at 1 % of the sum insured subject to a maximum of Rs 5000. This facility will be given to the insured person only after 4 free claim years.
An amount of Rs 1000 will be paid under the Medi Classic insurance policy for each day of hospitalisation for a maximum of 7 days and 14 days for the policy period. For calculating this amount the day of admission and day of dis charge from hospital will not be considered.
This benefit is available only to the individual above the age of 60 years. An amount of Rs 400 per day up to a maximum of 5 days and 14 days per policy period is permitted to have an attendant to the patient. But the attending physician has to recommend. This facility can be availed
Note: No payment will be made in the 1st day.
Other Benefits of Medi Classic Insurance Policy from Star Health Insurance for various policies:-
- Restoration benefit
- No claim bonus
- Floater Basis
- Paying of Health screening expenses
- Reimbursement of donor expenses for organ harvesting
- Domiciliary hospitalization
- Recharge benefit
- Reimbursement of health check up after 3 years
- Free look period
- Cash less Hospitalization
- Tax benefit
- 24 X 7 call center support
- In house claim settlement of all the bills
- Facility for maintaining personal health records in electronic format
- No third party administrator ( TPA)
- More than 6000 hospitals in India