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Star Health Medi Classic Insurance Policy

Star Medi Classic Insurance from Star Health and Allied Insurance Company offers comprehensive coverage for hospitalization expenses incurred as on illnesses, diseases, and accidental injuries. In more than 13000+ network hospitals, the insured can also receive cashless care. All-Star Health Mediclaim policy claims are settled directly by the insurance provider without the involvement of the TPA, which is one significant benefit.

The policy provides its holders with a variety of advantages. Hospital coverage, non-allopathic therapies, emergency ambulance coverage, fees for surgeons, anesthesiologists, consultants, or other specialists, coverage for boarding or nursing costs, pre-existing diseases, and pre-and post-hospitalization coverage are a few examples. The plan is offered in Basic and Gold variants.

Read on to know more about Star Medi Classic Policy, its eligibility criteria, benefits, inclusions, exclusions, and more.

Eligibility Criteria

Here is the eligibility criteria for Star Medi Classic Policy.

ParametersDetails
AgeMinimum- 5 Months, Maximum- 65 Years
RenewabilityLifelong
Sum Insured OptionsRs.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/-.
Day Care ProceduresCovered

Features & Benefits of Star Medi Classic Policy

Here are the salient features and benefits of Star Medi Classic Policy.

  1. Cost of Health checkup: After each block of four consecutive years without a claim, expenses for the cost of a health checkup up to 1% of the average Basic Sum Insured, up to a maximum of Rs. 5,000, are due at the time of renewal. Only Basic Sum Insured of Rs. 2,00,000 and higher are eligible for this benefit.
  1. Pre-policy Medical Screening: Pre-medical exams must be completed by applicants over 50 at centers designated by the Star health insurance organization.
  1. Installment Facility: The premium can be paid by the policyholder in monthly, quarterly, or semi-annual payments. The entire policy term can also be paid off in 1, 2, or 3 years.
  1. Psychiatric and Psychosomatic Disorder: According to this policy, the company will cover hospitalization costs up to the Basic Sum Insured if the insured individual is hospitalized for at least five consecutive days and is given their first diagnosis of a mental or psychosomatic condition.
  1. Family Package Plan (Not Available under Gold Plan): – Accessible to those aged 5 months to 45 years. Each covered family member receives an equal share of the insurance payout. The Health Checkup benefit will be determined based on the policy total insured and distributed equally to all policyholders.
  1. Non-Allopathic Treatment: Another biggest benefit of choosing Star Medi Classic Policy is that you will get up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during the entire policy period.
  1. Major Organ Donor Discount: A 25% premium discount is possible at renewal time if the insured person provides documentation proving that they have donated a major organ. This discount is also valid for renewals that come after this one.
  1. Basic Sum Insured Plus Additional for Road Traffic Accidents (RTA): If a road traffic accident involving the insured person results in hospitalization, the basic sum insured will be raised by 50%.
  1. Free Look Period: There is a 15-day free look time after the policy is received for you to review the terms and conditions (Not Applicable for Renewals).
  1. Tax Benefits: Any amount paid for this insurance in a manner other than cash is eligible for a tax break under Section 80D of the Income Tax Act.

What is Covered Under Star Medi Classic Policy?

Listed below are the things iincluded under Star Medi Classic Policy.

Pre-Hospitalization:Medical costs up to 30 days before the admittance date.
Post HospitalizationMedical costs for a period of 60 days following hospital release. The total amount due cannot be more than the amount equal to 7% of the hospitalisation costs, up to a maximum of Rs. 5000 each hospitalisation.
Cost of Health checkup:After each block of four consecutive years without a claim, expenses for the cost of a health checkup up to 1% of the average Basic Sum Insured, up to a maximum of Rs. 5,000, are due at the time of renewal. Only Basic Sum Insured of Rs. 2,00,000 and higher are eligible for this benefit.
Cumulative bonus:A claim-free year entitles the insured person to a cumulative bonus computed at a rate of 25% of the basic sum insured in the second year and an additional 20% of the basic sum insured in each succeeding year, up to a maximum cumulative bonus of 100%.
Automatic Restoration of Basic Sum InsuredOnce during the insurance duration, upon reaching the maximum of coverage, there will be an automatic 200% restoration of the Basic Sum Insured.

Things Not Included Under Star Medi Classic Policy

Pre-Existing Diseases

  1. The cost of treating a pre-existing disease (PED) and its immediate complications will not be covered until 48 months have passed after the first insurance policy was started with the insurer.
  1. If the amount insured is increased, the exclusion will reapply to the new amount insured.
  1. The cost of the same would be lowered to the level of prior coverage if the insured person maintains continuous coverage without interruption as specified by the portability criteria of the current IRDAI (Health Insurance) Regulations.
  1. Any pre-existing disease must be disclosed at the time of application and accepted by the insurer in order for it to be covered under the policy after the first 48 months have passed.

Specified Disease/Procedure Waiting Period 

  1. Costs associated with the following mentioned conditions, operations, and treatments are excluded from coverage for a period of 24 months following the start of the first insurance with us. Claims resulting from accidents are not subject to this restriction.
  1. If the amount insured is increased, the exclusion will reapply to the new amount insured.
  1. The longer of the two waiting periods will be used if any of the specified diseases or procedures fall under the pre-existing disease waiting period.
  1. Even if negotiated after the policy’s effective date or proclaimed and accepted without an explicit exclusion, the waiting time for the conditions listed shall apply.
  1. The waiting period for the same would be shortened to the extent of prior coverage if the insured person maintains continuous coverage without a break by the applicable portability rules set forth by IRDAI.

Premium Illustration- How Does the Plan Work?

Let’s take an example to understand!

A man, named Mr. Lokesh Bhatia, looking to protect his family against rising diseases, accidents, and illnesses so he can save his children and fulfill his dreams. After getting many suggestions from friends and searching on the internet, he stumbled upon the Star Medi Classic Policy and found it a great deal of investment to protect against medical emergencies. Mr. Bhatia, then, decided to safeguard his family with this plan.

Here’s what he will get under different circumstances.

Plan TypePolicy TermInsurance CoverPremium Amount (in Rs.)
Basic1 YearRs. 5 lakhsRs. 8, 535 including tax.
Basic3 yearsRs. 10 lakhsRs. 30, 790 including tax.

Frequently Asked Questions

People over 50 must go through a pre-acceptance medical examination at the Star Health Insurance-designated facilities. Currently, the cost of the screening is covered by the company.

Star Health has the right to revoke your insurance for any of the following reasons: moral hazard, misunderstanding, fraud, concealment of a significant truth as stated in the proposal form or at the time of a claim, or non-cooperation on the part of the insured person. In this case, the insured person receives a 30-day notice by registered mail at his or her last known address.

The Family Package Plan allows for coverage of the insured, the insured spouse, and up to two insured dependent children. Only the member’s limit is covered for each member.

Yes, the MediClassic plan from Star Health Insurance offers a grace period of 30 days beyond the policy’s expiration date.

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