An accident or a health crisis can have serious implications. It could lead to a severe financial setback that erodes your careful saving. In turn, this could mean giving up on some of the goals and aspirations in one’s life. You need a buffer in the form of accident and life insurance to minimise the adverse impact due to an accident/disease.Medi Classic Insurance from Star Health addresses this requirement. This is a life and accident insurance policy that provides for reimbursement of hospitalization expenses incurred as a result of illness /disease /sickness and/or car accident/personal accident insurance claims.
| Pre- Medical screening |
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Compulsory medical check up is done for persons above 50 years of age at the cost of the company |
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| Pre-Existing Diseases / Illness |
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Are covered after 48 months of continuous insurance with us |
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| Policy Benefits |
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Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured,subject to a maximum of Rs.4000/- per day |
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Nursing expenses |
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Surgeon’s fees, Consultant’s fees, Anaesthetist’s and Specialist’s fees |
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Cost of medicines and drugs |
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Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period |
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| Pre-Hospitalization & Post-Hospitalization |
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Pre-hospitalisation medical expenses upto 30 days prior to date of admission |
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Post-hospitalization – a lumpsum calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable |
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| No-Claim Discount |
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Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan) |
| How much to pay |
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Sum Insured
(in Rs) |
5 mths – 35 yrs |
36 yrs – 45 yrs |
46 yrs – 55 yrs |
56 yrs – 65 yrs |
66 yrs – 70 yrs |
71 yrs – 75 yrs |
76 yrs – 80 yrs |
| 50000 |
575 |
700 |
1320 |
NA |
NA |
NA |
NA |
| 100000 |
1200 |
1350 |
2447 |
3000 |
4547 |
4872 |
6029 |
| 150000 |
1800 |
2000 |
3400 |
4200 |
6717 |
7284 |
9284 |
| 200000 |
2350 |
2600 |
4583 |
5300 |
8768 |
9574 |
12420 |
| 250000 |
2800 |
3150 |
5548 |
7200 |
10696 |
11744 |
15433 |
| 300000 |
3300 |
3650 |
6170 |
8200 |
12625 |
13914 |
18449 |
| 350000 |
3750 |
4150 |
7408 |
10196 |
15964 |
15964 |
21341 |
| 400000 |
4200 |
4500 |
8700 |
11451 |
16242 |
18015 |
24236 |
| 500000 |
4900 |
5400 |
10700 |
13958 |
19859 |
22113 |
30023 |
| 1000000* |
7465 |
7965 |
13265 |
16525 |
NA |
NA |
NA |
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Service Tax extra
*Entry age upto 45 years. Renewal upto 65 years. |
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| Rating for Family Package |
| (Available for persons below 45yrs. The sum insured is apportioned equally among insured family members) |
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Sum Insured Rs 200000 |
Sum Insured Rs.300000 |
| 2Adults |
2348 |
3400 |
| 2Adults+1Child |
2238 |
3825 |
| 2Adults+2Children |
2320 |
4080 |
| 1Adult+1Child |
2168 |
3230 |
| 1Adult+2Children |
2206 |
3280 |
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| For Groups |
| Group Size |
% of discount on Premium (excluding add-on covers & service tax) |
| Upto 500 persons |
NIL |
| 501-1000 |
2.5% |
| 1001-3000 |
5.0% |
| 3001-7000 |
7.5% |
| 7001-10000 |
10% |
| > 10000 |
12% |
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| Optional Benefits On Payment Of Additional Premium |
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Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalisation. Maximum per day is Rs500 and maximum per hospitalization is Rs1500/-. Maximum payable during the entire policy period is Rs3000. This benefit is payable only following an admissible hospitalization claim. |
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Applicable for persons between 21 yrs and 60 yrs. |
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Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age. |
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Patient Care: Available for persons above 65 years. It pays for the attendant charges after discharge from the hospital @ Rs 400 per day to a maximum of 5 days per hospitalization. |
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The engagement of such attendant must be recommended by the attending physician. |
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A waiting period of 2 days is applicable. |
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Premium Rs 300 per person. |
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New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to 5 months. Thereafter the baby can be covered as a regular person. The sum insured is restricted to 10% of the sum insured in respect of the mother. This cover is not available for immunization expenses / post-natal expenses. |
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Premium 10% of policy premium. |
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Claims Procedure