Star Mediclassic Insurance Plan

The Mediclassic Insurance offered by Star Health insurance Company provides cover for hospitalization expenses that have incurred as a result of accidental injuries and/or sickness/disease/illness.

Features & Benefits of Star Mediclassic Insurance:

  • Rs.1.5 lakh  
  • Rs.2 lakh  
  • Rs.3 lakh 
  • Rs.4 lakh 
  • Rs.5 lakh 
  • Rs.10 lakh 
  • Rs.15 lakh 
  • Intentional self-injury.
  • Sexually Transmitted Diseases apart from HIV.
  • Injuries or diseases that are caused directly or indirectly from war, invasion or any acts of war.
  • Use of intoxicating substance, smoking, drugs/alcohol, substance abuse, etc.
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.
Sum Insured The various sum insured options available under the policy are mentioned below:
Special Features
  • Non – allopathic treatments are covered.
  • Health check-up expenses are covered.
  • Expenses that have been incurred for the treatment of cataract up to a certain limit are covered.
  • Psychiatric and Psychosomatic Disorder
  • Offers automatic restoration of sum insured.
  • Offers Family Package plan.
Policy Term 1 year and 2 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. Depending on the plan, the premium ranges between Rs.4,015 and Rs.2,10,389.
Co-payments A co-payment of 10% is applicable for individuals above 60 years at entry level and subsequent renewals.
Star Advantages
  • 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.
  • Direct in-house claims settlement. A third-party administrator is not needed.
Add on Covers
  • Patient Care
  • Hospital Cash
Add on covers are subject to payment of additional premiums
Benefits
  • 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.
  • Expenses for the treatment of a new-born baby.
  • Inpatient hospitalization expenses covered
  • Pre-hospitalization expenses covered up to 30 days.
  • Post hospitalization expenses for a duration of 60 days from the date the individual has been discharged from the hospital.
  • All day care procedures are covered.
  • Certain diseases/ailments/illnesses come with a waiting period of 24 consecutive months.
  • The policy offers portability. You can transfer your policy from one insurance provider to another.
  • 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 Some of the main exclusions under the policy are mentioned below:

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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