Mediclassic Star Health Individual Insurance

Medi-Classic Individual Policy

Health insurance is one of those products that people always wish they had the foresight to take. Just like you prepare for every important financial milestone, it is essential that you plan for protecting your health – because ill-health can have huge financial implications as well and you need to protect yourself from all eventualities.

STAR Health and Allied Insurance service offers STAR Medi Classic policy to provide for reimbursement of hospitalization expenses.

Medi-Classic Benefits

• Hospitalisation cover – In-patient hospitalisation expenses for a minimum of 24 hours. Includes room rent at 2% of Sum Insured subject to a maximum of Rs.4,000/-
• Boarding and Nursing expenses
• Surgeon’s fees, Consultant’s fees, Anesthetist’s fees
• Cost of blood, oxygen, diagnostic expenses, cost of pace-makers
• Cost of medicines and drugs
• Emergency ambulance charges for transporting the insured patient at Rs.750/- per hospitalisation and Rs.1500/-per policy period
• Pre-hospitalisation expenses upto 30 days prior to date of admission in the hospital A lump-sum amount calculated at 7% of the specified hospitalisation expenses payable towards Post-hospitalisation, subject to a maximum of Rs.5000/-

Optional Benefits (on payment of additional premium)

• Hospital Cash – Provides for payment of Rs.500/- for each completed day of hospitalisation subject to a maximum of Rs.1500/- per hospitalisation
• Patient Care – Available with Medi-Gold plan. It pays for the attendant charges after discharge from the hospital upto a maximum of 7 days
• New Born Baby Care – Available with Family Package Plan and provides cover for the new-born baby from birth upto the expiry of the policy period. The sum insured to the new-born is restricted to 10% of the sum insured for the mother under the policy

Special Features

• No Claim Discount ranging from 5% to 25% for every claim free year of insurance (other than Family Package)
• Discount for voluntary deductibles ranging from 2% to 12% (other than Family Package)
• 24 X 7 toll-free call centre.
• Cashless hospitalization in over 3200 network hospitals.

How much to pay (for individuals)

• If you are above 50 years of age and are interested in buying this policy, Contact Branch Heat +91 94421 57522 Star Health Office or Call us at Phone No. +91 99946 12916, +91 90430 32916, +91 93631 18365 or SMS us at 090922 77712.

Sum Insured (in Rs)	5 months - 35 yrs	36 - 45 yrs	46 - 50 yrs	56 - 60 yrs
50000	575	700	1320	NA
100000	1200	1350	2447	3000
150000	1800	2000	3400	4200
200000	2350	2600	4583	5300
250000	2800	3150	5548	7200
300000	3300	3650	6170	8200
350000	3750	4150	7408	10196
400000	4200	4500	8700	11451
500000	4900	5400	10700	13958
1000000	7465	7965	13265	16525

IT Benefit

• Premium paid by Cheque [Payable A/c pay at STAR HEATLH AND ALLIED INSURANCE COMPANY LIMITED] is eligible upto Rs.15000/- for relief under Section 80-D of the Income Tax Act (Rs. 20,000 for senior citizens)

Claim Procedure

• Call 24 hour help-line for assistance
• Inform ID number for easy reference
• For planned hospitalisation, please inform 24 hours prior to admission to the hospital
• For emergency hospitalisation, information to be given within 24 hours after hospitalisation
• Cashless facility can be availed in all network hospitals
• For treatment in non-network hospitals, payment must be made up-front and then reimbursement will be effected on submission of documents

Exclusions

• Expenses incurred for treatment of any illness / disease / condition, which is pre-existing at the time of commencement of insurance
• Any expenses incurred for treatment of illness / disease / sickness contracted by the Insured Person during the first 30 days from the commencement of the policy
• First Year Exclusions – Hernia, Piles, Hydrocele, Congenital Internal disease/ defect, Sinusitis, Gall Stone / Renal Stone removal / treatment
• Two Years Exclusions – Hysterectomy, Cataract, Joint Replacement Surgery, Prolapsed Intervertebral Disc, Varicose veins / ulcers
• Naturopathy treatment
• Expenses, which are purely diagnostic in nature with no positive existence of any disease
• Expenses that is cosmetic in nature
• Expenses incurred for treatment by systems of medicines other than Allopathic shall be limited to 25% of Sum Insured, subject to a maximum of Rs.25000/- in the entire policy period

Renewal Features

• Renewal of policy under mutual consent
• Where Claims ratio is 100% for immediately preceding two consecutive years, a loading on the premium may be imposed ranging from 20% to 50%

How to buy this insurance?

• Please Contact Us through our Help Line 099946 12916, 93628 54443 / SMS / Marketing & Sales Manager