Star Mediclassic Insurance Plan

Star Mediclassic Insurance is a health insurance policy offered by Star Health insurance Company to meet your various medical needs non-allopathic treatment. With this policy, you can get .

Features & Benefits of Star Mediclassic Insurance:

Entry Age Any individual between 5 months to 65 years of age can buy this health insurance policy. Children can be covered only with parents.
Basis Individual
Medical Screening All individuals above the age of 50 years need to undergo pre-acceptance medical screening at company nominated health centers. The cost of screening will be borne by the insurance company.
Renewability Lifelong renewability is available.
Special Features
  • Non – allopathic treatments are covered.
  • Pre-existing illnesses are covered after 48 months of continuous insurance renewal.
  • Health check-up expenses are covered.
  • HIV persons are covered.
  • Cover for newborn babies
  • Offers automatic restoration of sum insured.
  • Offers Family Package plan.
  • The policy will automatically terminate upon the death of the insured persons and upon exhaustion of the limit of coverage.
Policy Term Policy is available for 1 to 2 years. In case of a 2 year policy, a discount of 5% is offered on the premium paid for two years.
Sum Assured For individuals, the highest sum insured is Rs. 15,00,000. For Family Package plan, the highest sum insured is Rs.3,00,000.
Premiums Premiums vary depending on sum assured, age, family size and zone. It ranges from Rs.2, 510 to Rs.88,170 for individual plans. For Family Package plan, it ranges from Rs. 4,460 to Rs.7,805. These premiums are applicable for Zone II.
Co-payments A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.
Star Advantages
  • Get direct in-house claim settlement. No third party administrator is involved.
  • Hassle-free claim settlement.
  • More than 6000 network hospitals
  • Personalized E -health records.
  • Cashless hospitalization.
  • Free medical consultation over phone 24x7.
  • Free storage facility for keeping medical records in electronic form.
Add on Covers
  • Patient Care
  • Hospital Cash
Add on covers are subject to payment of additional premiums
  • Get tax benefit for the amount paid as premium under section 80D of the Income Tax Act, 1961.
  • A free look period of 15 days from the date of receipt of the policy is available to the insured person.
  • Inpatient hospitalization expenses covered
  • Pre-hospitalization expenses covered up to 30 days.
  • Post hospitalization expenses are paid as lump-sum up to a specified limit.
  • Pre-existing diseases are covered after 48 months of continuous insurance renewal without any break.
  • Covers daycare treatment for 101 days.
  • The policy offers portability. You can transfer your policy from one insurance provider to another.
Bonus Get bonus up to 25% for every claim free year. In case of a claim made, bonus will be reduced by 5%. However, it is not applicable for Family Package plan.
Exclusions Hospital registration charges, admission charges, telephone charges, expenses incurred in weight control services, cost incurred in spectacle and contact lens, dental surgery cost, neuropathy treatments etc. are not covered under this policy.

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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