Star Mediclassic Health Insurance Plan

Star Mediclassic Insurance from Star Health and Allied Insurance Company covers for hospitalisation expenses incurred as on illnesses, diseases, and accidental injuries. The insured can also avail cashless treatment in more than 9900 network hospitals. One major benefit is that all the Star health mediclaim policy claims are settled directly by the insurance company without the involvement of the TPA.

Eligibility Criteria 

• The minimum age criterion is 5 months and the maximum age criterion is 65 years to buy this star health insurance policy. After that only renewals are required without capping on the exit age
• Under the Star Mediclassic Gold plan, the minimum entry age is 16 days to 65 years.

Features and Benefits of Star Mediclassic Insurance Plan

• Wider Sum Insured Options: Rs 1.5 Lakh to Rs 15 Lakh. Under the gold plan the sum insured options ranging from Rs 3 Lakh to Rs 25 Lakh
• Pre-policy Medical Screening: Applicants above the age of 50 years of age need to undergo a pre-medical examination at the Star health insurance company’s nominated Centres
• Day Care Procedures: Star MediClassic health insurance covers all the daycare procedures
• Policy Term: 1/2/3 years
• Instalment Facility: The policyholder can pay the premium in monthly, quarterly, and half-yearly installments. The policy can also be paid in 1,2,3 years for the entire policy term

Inclusions of Star MediClassic Insurance Plan

• Under this star health mediclaim policy hospital room, boarding and nursing expenses up to 2% of the sum insured and up to a maximum of Rs.5000 are compensated
• Emergency ambulance charges up to a maximum of Rs.750 for each hospitalization and maximum up to Rs.1500 during the policy term are paid by the Star health insurance company
• Pre-Hospitalization expenses up to 30 days before hospital admission and 60 days of post-hospitalisation expenses are also reimbursed
• Health check-up costs are also covered once every four years of the policy term. It is valid for coverage amount above Rs. 2 Lakh only
• Cataract surgery up to a specified limit is covered under this Star health insurance plan
• One of the major and unique benefits that are offered is coverage for psychiatric and psychosomatic disorders incurred on the first diagnosis. A minimum of 5 days of hospitalization is required for the same
• Star health insurance plans offer a cumulative bonus of 5% to 25% of the sum insured for claim-free years
• Automatic restoration of the basic Sum Insured by 200% during the policy term
• Ayush treatment cover up to 25% of the coverage amount up to a maximum of Rs 25000 during the policy term
• Gold plan- For additional benefits, there is an option to purchase the gold plan variant that offers a range of additional benefits and optional covers in addition to the above-mentioned inclusions. For details please refer to the policy wordings.

Exclusions

• Star health insurance plans do not cover expenses related to any unproven treatment
• Childbirth and caesarean complications other than ectopic pregnancy
• Rest Cure, rehabilitation and respite care
• Congenital External Condition / Defects / Anomalies

Cancellation

Policy cancellation can be done by policyholder by giving 15 days written notice and the insurer shall refund the premium for the unexpired policy period as given in the table below: