The comforts and luxuries of today's life come at a price-the price of uncertainties. Of the uncertainties, health of oneself and one's family is of prime concern. Add to this, the fact that medical expenses are getting dearer. One ailment is all it takes to wipe out years of savings that was meant to realize your dreams.
Mediclassic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries, so that you can keep your dreams alive. |
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| Pre - Medical screening |
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Compulsory medical check up is done for persons above 50 years of age at the cost of the company |
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| Pre - Existing Diseases / Illness |
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Are covered after 48 months of continuous insurance with us |
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| Policy Benefits |
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Hospitalisation Cover : In-patient hospitalisation expenses for a minimum of 24 hours.Includes room rent and boarding @2% of sum insured,subject to a maximum of Rs.5000/- per day |
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Nursing expenses |
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Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees |
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Cost of medicines and drugs |
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Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period |
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| Pre-Hospitalization & Post-Hospitalization |
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Pre-hospitalisation medical expenses upto 30 days prior to date of admission |
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Post-hospitalization - a lumpsum calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable |
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| No-Claim Discount |
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Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan) |
| How much to pay |
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Sum InsuredÂ
(in Rs) |
5 mths - 35 yrs |
36 yrs - 45 yrs |
46 yrs - 55 yrs |
56 yrs - 65 yrs |
66 yrs - 70 yrs |
71 yrs - 75 yrs |
76 yrs - 80 yrs |
| 50000 |
905 |
1030 |
1650 |
NA |
NA |
NA |
NA |
| 100000 |
1530 |
1680 |
2780 |
3330 |
4880 |
5205 |
6360 |
| 150000 |
2130 |
2330 |
3730 |
4530 |
7050 |
7615 |
9615 |
| 200000 |
2680 |
2930 |
4915 |
5630 |
9100 |
9905 |
12750 |
| 250000 |
2800 |
3150 |
5550 |
7200 |
10700 |
11745 |
15435 |
| 300000 |
3300 |
3650 |
6170 |
8200 |
12625 |
13915 |
18450 |
| 350000 |
3750 |
4150 |
7410 |
10195 |
14435 |
15965 |
21345 |
| 400000 |
4200 |
4500 |
8700 |
11455 |
16245 |
18015 |
24240 |
| 500000 |
4900 |
5400 |
10700 |
13960 |
19860 |
22115 |
30025 |
| 1000000* |
7465 |
7965 |
13265 |
16525 |
NA |
NA |
NA |
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Service Tax extra
*Renewal upto 65 years for Rs. 10,00,000/- Sum Insured Option. |
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| Rating for Family Package |
| (Available for persons below 45yrs. The sum insured is apportioned equally among insured family members) |
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Sum Insured Rs 200000
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Sum Insured Rs.300000 |
| 2Adults |
2348 |
3400 |
| 2Adults+1Child |
2238 |
3825 |
| 2Adults+2Children |
2320 |
4080 |
| 1Adult+1Child |
2168 |
3230 |
| 1Adult+2Children |
2206 |
3280 |
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| For Groups |
| Group Size |
% of discount on Premium (excluding add-on covers & service tax) |
| Upto 500 persons |
NIL |
| 501-1000 |
2.5% |
| 1001-3000 |
5.0% |
| 3001-7000 |
7.5% |
| 7001-10000 |
10% |
| > 10000 |
12% |
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| Optional Benefits On Payment Of Additional Premium |
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Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalisation. Maximum per day is Rs500 and maximum per hospitalization is Rs1500/-. Maximum payable during the entire policy period is Rs3000. This benefit is payable only following an admissible hospitalization claim. |
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Applicable for persons between 21 yrs and 60 yrs. |
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Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age. |
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Patient Care: Available for persons above 65 years. It pays for the attendant charges after discharge from the hospital @ Rs 400 per day to a maximum of 5 days per hospitalization. |
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The engagement of such attendant must be recommended by the attending physician. |
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A waiting period of 2 days is applicable. |
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Premium Rs 300 per person. |
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New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to 5 months. Thereafter the baby can be covered as a regular person. The sum insured is restricted to 10% of the sum insured in respect of the mother. This cover is not available for immunization expenses / post-natal expenses. |
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Premium 10% of policy premium. |
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| Tax Benefits |
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Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act |
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| What cannot be claimed? |
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Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of the policy |
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First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint(other than caused by an accident), Prolapse of intervertebral disc (other than caused by accident), Varicose Veins and Varicose Ulcers |
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First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, inusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone |
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Naturopathy treatment |
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Expenses which are purely diagnostic in nature with no positive existence of any disease |
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Treatment of Congenitall external disease/defects/anomalies |
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Expenses which are mainly cosmetic in nature |
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| Claims Procedure |
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Call the 24-hour helpline 1800 425 2255 for assistance |
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Inform the ID number / policy number for easy reference |
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In case of planned hospitalization, please inform 24 hours prior to admission into the hospital |
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In case of emergency hospitalization, information to be given within 24 hours after hospitalization |
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In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents |
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| Star Advantages |
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No Third Party Administrator; direct in-house claims settlement |
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Faster & hassle-free claim settlement |
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Cashless hospitalization |
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Network of more than 4900 hospitals across India |
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24x 7 Toll- free Helpline |
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Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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| NOTE: The benefits and exclusions mentioned herein are only an outline of the accident and life insurance policy. For complete details, please contact your nearest Star Health office. |
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