Insurance Plans 271 views March 5, 2020

Star Medi Classic

Health Insurance is an extremely critical aspect of general insurance in India. The reason is simple and clear. Today’s modern lifestyle is filled with a lot of health risks and is full of uncertainties. The cost of hospitalization and its associated expenses are increasing every day and hence you must protect yourself and your family from any sudden medical emergencies. Most significantly, health insurance plans are a must to keep the savings intact.

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Presenting the Star Medi Classic Health Insurance policy, an especially crafted health plan by Star Health and Allied Insurance Company Limited. India’s first distinct and solitary Health Insurance provider. Star Health was established in India in 2006 with a basket of health insurance plans, personal accident policies, etc. The company offers extensive health insurance plans at an affordable price.

Let’s understand in detail the benefits, features, and eligibility of the Star Medi Classic Health Insurance plan.

Star Medi Classic Health Insurance policy

Star Medi Classic is a health plan which provides wide coverage of the expenses during hospitalization. to you and your family. The main features and benefits can be summarized as below:

  1. Wide coverage with higher Sum Assured: Under the Gold plan, you can opt for a higher Sum Assured
  2. Pre-hospitalization expenses: These expenses are covered until 30 days before the admission in hospital
  3. Post-hospitalization expenses: These expenses are covered till 60 days after discharge from the hospital, however, the amount cannot be more than the sum equal to 7% of the hospitalization expenditures, maximum of INR 5000 for each hospitalization
  4. Cover for Ambulance: Cover for INR 750 for each hospitalization and INR 1500 for each policy period
  5. The facility of Cumulative Bonus: An addition of 5% of the basic sum assured for every claim-free year with a maximum limit of 25%
  6. Automatic Refurbishment: The Basic Sum Assured will be increased automatically by 200% once during the period of the policy
  7. Alternate Treatment: Cover for Non-Allopathic treatment till 25% of the Basic Sum Assured, maximum of INR 25000 during the entire period of the policy
  8. Family Coverage: Cover for individuals from 5 months until 45 years. The Sum Assured is allocated equally between the covered family members

Benefits available under Gold Plan of Star Medi Classic

  1. Hospitalization Expenses: Cover for expenses related to boarding, room with nursing expenditures for sum assured of INR 3 lakhs and INR 4 lakhs is paid up to INR 5000/- each day and above INR 5 lakhs cover for Private Single A/c Room
  2. Pre-hospitalization expenses: These expenses are covered until 30 days before the admission in hospital
  3. Post-hospitalization expenses: These expenses are covered until 60 days after discharge from the hospital
  4. Cover for Ambulance: Cover for INR 2000 for each hospitalization
    Psychiatric and Psychological Illness: Coverage for the first-time diagnosis and hospitalized for a minimum of 5 consecutive days
  5. Cover for Cataract: Available as per the chosen Sum Assured
  6. The facility of Cumulative Bonus: An addition of 25% of the basic sum assured for 2nd claim-free year with an added 20% of the basic sum assured for each succeeding year with a maximum of 100%
  7. Automatic Refurbishment: The Basic Sum Assured will be increased automatically by 200% once during the period of the policy
  8. Cover for Road Traffic Accident or RTA: The Basic Sum Assured will be increased automatically
    by 50% in case the insured individual meets with an accident which results in in-patient hospitalization
  9. Alternate Treatment: Cover for Non-Allopathic treatment till 25% of the Basic Sum Assured, maximum of INR 25000 during the entire period of the policy
  10. Coverage for New-born child: This cover starts from the 16th day after the baby is born with a maximum of 10% of the Sum Assured of INR 50000, whichever is lower
  11. The facility of Patient Care: Insured individuals above 60 years are covered and expenses for attendant after the release from the hospital is covered for 5 days maximum
  12. Hospital Cash: Cover for Hospital cash for every completed day of hospitalization with a maximum of 7 days for each hospitalization and 14 days for the policy period
  13. Family Discounts: For Gold Plan, 5% discount is there if the coverage of for 2 or more family members
  14. Discount for Organ Donor: If the insured individual submits proof of organ donation, then he or she will be entitled to get a discount of 25% during the renewal
  15. Coverage of Health check-up costs: For INR 300000 till INR 500000 it is INR 1500 for every claim-free year, for INR 1000000 and INR 1500000 it is INR 2500 and for INR 2000000 and INR 2500000 it is INR 5000
  16. The benefit of Tax: You can get a tax exemption under section 80D of the Income Tax Act

Eligibility under Star Medi Classic Health Insurance policy

Entry age 5 years to 65 years
For Gold Plan 16th day till 65 years
Term of the Policy (in years)1 /2
RenewalLifelong
Sum InsuredINR 150000, INR 200000, INR 300000 till INR 500000, INR 1000000, INR 1500000
For Gold Plan: INR 300000 till INR 500000, INR 1000000, INR 1500000, INR 2000000 and INR 2500000
Premium Depends on the age, the sum assured and family size

Process of Claim under Star Medi Classic

Star Health procedure of claims is very easy and user-friendly. Star Health has its in-house claim settlement team that takes care of the claims. You can take assistance from 24 hours helpline number 1800 425 2255 or 1800 104 2277 and give the Identity Number and submit the necessary Pre-Authorization form to the Hospital Help Desk in case of cashless claims.

For reimbursement option where the patient had to be admitted to a non-network hospital, then payment is to made first and later with all bills and necessary documents one can submit to claim.

Documents required for claims under Star Medi Classic

  1. Appropriately filled claim form with correct details
  2. Helpline numbers as mentioned above must be notified before filling up the above form
  3. An original prescription with original bills from the pharmacy
  4. Bills together with receipts and certificate of discharge or original identity card
  5. Details from the surgeon mentioning the type of operation completed with the bills and receipts
  6. Receipts and investigation test reports from qualified pathologist with a memo from the attending doctor or surgeon mentioning the essential test
  7. Visiting doctor’s certificate
  8. A self-declaration with FIR In case of an accident
  9. KYC and NEFT details of the insured person

Renewal for Star Medi Classic

Star Health insurance provides the option of paying the insurance premium online for any new policy as well as renewal. You can visit the official site retail.starhealth.in/renewal and can make the necessary payment by entering your policy number and your registered date of birth after which, you will be redirected to the relevant page to pay the premium via debit/credit card, internet banking, etc.

Star Medi Classic – Company Contact Information

You can contact Star Health insurance in the following ways:

  1. 24*7 Toll-free numbers 1800 425 2255 or 1800 102 4477 and rest of the users can call at (044) -2381 9100/ 2853 2060/ 2853 2030.
  2. Email at support@starhealth.in
  3. Send a message at www.starhealth.in/contact-us by giving your name, email address and mobile number
  4. Write to The Manager – Customer Care,

Star Health & Allied Insurance Co. Ltd, No.1, New Tank Street, Valluvarkottam High Road, Nungambakkam,
Chennai – 600 034

With Star Medi Classic, you can keep your visions alive and you need not worry about your health cover anymore. Your family also stays protected against any or sudden financial requirements. So, don’t delay, analyze your requirements and choose the right health insurance policy.

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