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
Network Hospitals
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:
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 |
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 |
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 |
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 |
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% |
Talk to Star
The insured person can get a free consultation from specialist doctors through phone, chat or video call by dialling 7676905905.
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.
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.
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.
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.
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.
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%.
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.
