Star Medi Classic Health Insurance Policy

  • 14,000+ Network Hospitals
  • 99.06% Claim Settlement Ratio
  • 24x7 Claim Assistance

Star Medi Classic Health Insurance Policy is a comprehensive health insurance plan offered by Star Health Insurance, designed to provide financial protection against the rising costs of hospitalization and medical treatment. Star Medi Classic Health Plan comes in two plan variants, i.e., Basic Plan and Gold Plan. This plan offers many benefits, including hospitalization expenses, pre and post-hospitalization costs, daycare procedures, etc. This policy page will delve into the coverage benefits, eligibility criteria, and additional benefits of the Star Medi Classic Health Insurance Policy.

Highlights of Star Medi Classic Health Insurance Policy

Below are the specifications of the Star Medi Classic Health Insurance Policy from Star Health Insurance:

Particulars Specifications
Entry Age Basic Plan: 5 months to 65 years Gold Plan: 16 days to 65 years
Renewability Lifelong
Policy Type Individual and Family
Plan Variant Basic and Gold
Sum Insured For Basic Plan: INR 1.5 Lakh, INR 2 Lakh, INR 3 Lakh, INR 4 Lakh, INR 5 Lakh, INR 10 Lakh, INR15 Lakh
For Gold Plan: INR 3 Lakh, INR 4 Lakh, INR 5 Lakh, INR 10 Lakh, INR 15 Lakh, INR 20 Lakh, INR 25 Lakh
Policy Term 1, 2, 3 Years
Pre-medical Test Above 50 years of age
Waiting Period for Pre-Existing Disease 48 months

Eligibilities to buy Star Medi Classic Health Insurance Policy

Below is the eligibility of the Star Medi Classic Health Insurance policy:

  • Basic Plan (Individual)
  • Gold Plan (Individual)
  • Basic Plan (Family)
  • Gold Plan (Family)

Entry Age: 5 months to 65 years

Entry Age: 16 days to 65 years

Entry Age: 5 months to 45 years

Entry Age: 5 months to 45 years

Policy Term: 1,2,3 Years

Coverage Benefits Offered Under Star Medi Classic Insurance Policy

Star Medi Classic Health Insurance Policy offers comprehensive coverage benefits to protect individuals and families from various health care expenses. Here are the significant coverage benefits provided by the policy:

  • Basic (1.5L-15L)
  • Gold (3L-25L)

Room Rent

Covered up to 2% of SI subject to a maximum of INR 5K per day

Private Single AC Rooms

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 Days

Post-Hospitalization

Covered up to 60 Days

Domiciliary Hospitalization

Covered if hospitalization exceeds 3 days

Daycare Treatments

All Daycare Treatments Covered

Cataract

Covered up to 60 Days

Covered up to INR 40K

No Claim Bonus

Available up to 25% of SI

Automatic Restoration

200% of SI once a year

Hospital Daily Cash

INR 1K per Day

AYUSH Treatment

Covered up to 25% of SI subject to a max. of INR 25K

Modern Treatment

Covered

Ambulance Cover

Covered up to INR 1.5K

Covered up to INR 2K

Co-Payment

10% for every claim

New Baby Cover

Cover after the 16th day of the baby’s birth

Covered up to 10% of SI

Health Checkup

Covered up to 1% of SI

Star Medi Classic Health Insurance Policy Exclusion

Below is the list of diseases and conditions that the Star Medi Classic Health Insurance Plan does not cover:

  • Obesity / Weight Control
  • Change-of-Gender treatments
  • Cosmetic or plastic Surgery
  • Hazardous or Adventure sports
  • Breach of law
  • Inoculation or Vaccination
  • Refractive Error
  • Unproven Treatments
  • Sterility and Infertility
  • Maternity
  • Circumcision
  • Intentional self-injury
  • Injury/disease caused by or arising from or attributable to war, invasion, the act of a foreign enemy, warlike operations
  • Treatment for drug, alcoholism, or substance abuse or any addictive condition
  • Congenital External Conditions / Defects / Anomalies

Coverage After Waiting Period

Below is the list of benefits that are covered after a certain waiting period:

  • Listed Ailments: 24 months
  • Pre-existing Diseases: 48 months
  • Initial Waiting Period: 30 Days

Star Medi Classic Health Insurance Policy Additional Benefits

Star Medi Classic Health Insurance Policy offers several additional benefits to enhance policyholders' overall protection and convenience. These additional benefits include:

01

Cataract Benefit

Star Medi Classic Health Insurance covers the expenses incurred on treatment of cataracts up to the limits as mentioned below:

For Basic Plan

Sum Insured Limit for Cataract Surgery
INR Up to 2 Lakh INR 12K per person per policy period
INR 3 Lakh to 5 Lakh INR 20K per eye per person and not exceeding 30K per person per policy period
INR 10Lakh and 15 Lakh INR 30K per eye per person and not exceeding INR 40K per person per policy period

For Gold Plan

Sum Insured Limit for Cataract Surgery
INR Up to 2 Lakh INR 12K per person per policy period
INR 3 Lakh to 5 Lakh INR 20K per eye per person and not exceeding 30K per person per policy period
INR 10Lakh and 15 Lakh INR 30K per eye per person and not exceeding INR 40K per person per policy period
02

Room Rent

In the Gold Variant, Star Medi Classic Health Insurance Policy will cover the room, boarding, and nursing expenses as per the limits given below:

Sum Insured Limit in INR
INR 3 Lakh Up to INR 5K per day
INR 4 Lakh
INR 5 Lakh Private Single A/c Room
INR 10 Lakh
INR 15 Lakh
INR 20 Lakh
INR 25 Lakh
03

Health Checkup

In the Gold Variant, Star Medi Classic Health Insurance Policy will cover the expenses incurred towards the cost of health checkups as per the limit given below:

Sum Insured Limit
INR 3 Lakh to INR 5 Lakh Up to INR 1.5K for every claim-free year
INR 10 Lakh to INR 15 Lakh Up to INR 2.5K for every claim-free year
INR 20 Lakh to INR 25 Lakh Up to INR 5K for every claim-free year
04

Shared Accommodation

The Star Medi Classic insurance policy will provide a specified amount to the insured if he stays at a shared accommodation in a network hospital during the patient's hospitalization. The amount payable for each completed period of 24 hours stays as per the table below:

Sum Insured Limit
INR 3 Lakh INR 500 per day, subject to a maximum of INR 3K per hospitalization
INR 4 Lakh
INR 5 Lakh
INR 10 Lakh
INR 15 Lakh, INR 20 Lakh, INR 25 Lakh INR 1K per day, subject to a maximum of INR 6K per hospitalization
05

Star Wellness Program

The Star Medi Classic Health Insurance Policy rewards the insured's healthy lifestyle through various wellness activities. One can also use their earned health points to get a discount on the renewal premium. The discount on premiums offered by the Wellness Program is displayed in the following table:

Wellness Points Discount in Premiums
200 to 350 2%
351 to 600 5%
601 to 750 7%
751 to 1000 10%
06

Talk to Star

The insured person can get a free consultation from specialist doctors through phone, chat or video call by dialling 7676905905.

07

COVID-19 Helpline

Insured persons can get free COVID-19 consultation from star health insurance health experts between 8 AM and 10 PM. Just call them at 7676905905 in case of Covid 19.

08

E-Pharmacy

Insured persons can order medicines online at discounted prices. Star Health Insurance has various medicine stores across 2,780 cities, offering home delivery and store pickup.

09

Diagnostics Centers

Insured persons can access 1,635 diagnostic centres across the country. Star Health Insurance also provides home pickup of lab samples and health checkups to the insured person at the doorstep facility.

10

Family Discount

Customers will get a 5% discount on Star Medi Classic Health Insurance Policy if 2 or more family members are covered under this policy.

11

Major Organ Donor Discount

If an insured person donates a major organ and submits proof of the same, he/she will get a 25% discount on the premium at the time of renewal of the Star Medi Classic Health Insurance Policy.

12

Road Traffic Accident (RTA)

If the insured is hospitalized due to an accident and his basic sum insured is exhausted, in this case, the sum insured will automatically increase by 50%.

13

Psychiatric and Psychosomatic Coverage

Star Medi Classic Health Insurance Plan covers the expenses incurred for treating psychiatric and psychosomatic disorders for the first time if the insured is hospitalized for 5 consecutive days.

Explore More About Star Medi Classic Insurance Policy

Check the below section to learn more about the star health insurance buying process, star health insurance claim settlement process, star health insurance renewal process.