Star Health Insurance for Individual

Mediclassic Insurance Policy is a health insurance plan by Star Health that provides reimbursement for hospitalisation expenses arising due to illness/sickness/disease and/or accidental injuries. Coming with extensive medical coverage for policyholders such as pre and post-hospitalization, room rent charges, nursing expenses, fees for surgeons/doctors, consultants, this Star Health Insurance Plans for Individuals keeps you secured in case of financial emergencies.

Key Features of Mediclassic Insurance Policy Individual

• Sum insured options ranging from Rs. 1.5 Lakh to Rs. 15 Lakh
• Lifetime renewability guaranteed
• NCB of 5% for every claim-free year for up to 25%
• Automatic restoration of the entire sum insured for up to 200%
• Discounts of 5% if the premium for 2 years is paid in advance
• Co-payment for insured persons beyond 60 years of age at entry level
• Facility to maintain personal health records in electronic format
• This policy can be bought by an HIV positive person

​Scope of Coverage Under Mediclassic Insurance Policy

• Emergency ambulance expenses
• 30 days pre-hospitalisation cover
• 60 days-post-hospitalisation cover
• 101-daycare procedures
• Non-allopathic treatments
• Hospital cash and patient care cover (optional)
• In-patient hospitalisation for at least 24 hours
• Health check-up costs for up to Rs. 5,000 for every 4 claim-free years

Medi Classic Insurance Policy Eligibility

Any resident of India who is aged between 5 months to 65 years can be covered under this policy

Exclusions Under Star Health Insurance Plans for Individual

• Pre-existing diseases are not included in the plan until 48 consecutive months of policy coverage
• Any disease contracted in the initial 30 days from the date of inception of the policy
• Use of intoxicating substances including alcohol, drugs, tobacco chewing, smoking, etc.
• Any disease or injury that is directly or indirectly caused due to war, an act of a foreign enemy, invasion, etc.
• Dental treatment or surgery is not included until is necessitated due to accidental injuries demanding hospitalisation

Read the policy wording to know more about the product, or contact customer care executives at InsuranceDekho on 1800 1205 698.