Medi Classic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries.

Policy Benefits

·                                 Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours.

·                                 Nursing expenses.

·                                 Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees.

·                                 Cost of medicines and drugs.

·                                 Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs  
              750/- per hospitalizations and overall limit of Rs 1500/- per policy period.

Pre-Hospitalization & Post-Hospitalization

Pre-hospitalization medical expenses upto 30 days prior to date of admission.

Post-hospitalization - a lumpsum calculated at 7% of the hospitalization subject to a maximum of                                  Rs.5000 is payable.

Non-allopathic Treatments upto Rs.25,000/- per occurence, subject to a maximum of 25% of sum                                      insured per policy period.

No-Claim Discount

Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan).

How much to pay (for individuals)

Premium for Family Package

(Available for persons below 45yrs. The sum insured is apportioned equally among insured family members)

Optional benefits on payment of additional premium

1. Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalisation. Premium          ranging from Rs.200 to Rs. 350 per person, depending upon the age.

2. 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. Premium Rs 300 per person.

3. New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of the sum insured in respect of the mother. Premium 10% of policy premium.

Eligibility

Any persons aged between 5 months and 80 years, residing in India, can take this insurance.

Tax Benefits

Premium paid by cheque or credit card for this insurance is eligible for relief under Sectin 80D of the Income Tax Act.

Exclusions

Expenses for the treatment of any illness/disease/condition, which is pre-existing

Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy

First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint(other than caused by an accident), Prolapse of intervertibral disc (other than caused by accident), Varicose Veins and Varicose Ulcers

First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone

Naturopathy treatment

Expenses which are purely diagnostic in nature with no positive existence of any disease

Treatment of Cogential external disease/defects/anomalies

Expenses which are mainly cosmetic in nature

NOTE: For a detailed list of exclusions, refer policy conditions.

Claims Procedure

Inform the ID number for easy reference

In case of planned hospitalization, please inform 24 hours prior to admission into the hospital

In case of emergency hospitalization, information to be given within 24 hours after hospitalization

In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents.