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.

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.

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.