Useful Information

Star Health

TPA Information

Medi Classic Individual

Synopsis:

Medi Classic is a health insurance plan that provides for reimbursement of hospitalization expenses incurred as a result of illness/diseases/sickness and/or accidental injuries, so that you can keep your dreams alive

Highlight:

  • Wider Cover with Higher Sum Insured options under Gold Plan.
  • Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization.
  • Automatic restoration of entire Sum insured by 200%.
  • Cover for Organ donor expenses up to sum insured under gold plan.
  • New born baby cover under gold plan.
  • All day-care procedures covered.

Benefit:

Title
Description
Room Rent Limit
Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room.
ICU Daily Rent Limit
Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/. Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room.
Pre-Hospitalization Expenses
Up to 30 days prior to admission in the hospital.
Post Hospitalization Expenses
Up to 60 days from the date of discharge from the hospital.
Minimum Hospitalization Period
24 hours.
Day Care Procedure Coverage
All day-care procedures covered.
Automatic Restoration of Sum Insured
There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period. Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization.
Pre-Existing Disease / Illness coverage
48 months for pre-existing disease.
Waiting Period for New Policy
First 30 days for illness/disease (other than accidents).
Free Health Checkup
Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for sum insured of Rs. 2,00,000/- and above only.
Ambulance Expenses
Basic Plan:-Emergency Ambulance charges upto a sum of Rs.750/- per hospitalization and Rs.1500/- per policy period. Gold Plan:-up to Rs.2000/- per hospitalization.
Non-Allopathic Treatments
Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period.
New Born Baby Cover
Under Gold Plan:-The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less.
Donor Expenses
Organ Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable.
Nursing Allowance
Under Basic Plan 2% of sum insured subject to maximum of Rs.5000/. Under Gold Plan: For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room