TOLL FREE NUMBER- 1800 425 2255/1800 102 4477

1800 425 2255/1800 102 4477

You are here

Medi-classic Insurance Policy (Individual)

  •  No claim bonus of 5% for every claim free year up to 25%.
  •  Health Checkup costs up to Rs.5,000/- for every block of 4 claim free years.
  •  Automatic restoration of entire Sum insured by 200%.
  •  Optional Covers : Hospital cash and patient care cover.
  •  101 day-care procedures covered.

IRDA/NL-HLT/SHAI/P-H/V.II/400/13-14

Recharge Benefit

Hospitalisation Cover:
  • Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation paid as lump-sum upto the limit specified.
  • 101 Day-care treatments covered.
Non-Allopathic Treatments:

Covered up-to specified limits.

 

Pre-Existing Diseases / Illness:

Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.

 

Add-on covers (subject to payment of additional premium):
  • Patient Care: Available for persons above 60 years. Pays for attendant charges after discharge from hospital for maximum 5 days per hospitalisation and 14 days per policy period.
  • Hospital Cash: Hospital cash benefit for each completed day of hospitalization.
Policy Term:

Policy is available for one year term and two years term. In case of two year policy a discount of 5% on the two year premium paid, available.

 

Family Package:
  • Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons.
  • Optional Benefit of New Born Baby cover available under this Plan. Sum Insured : 10% of the mother's sum insured. Premium : 10% of the policy premium.
Health Check-up benefits:
  • 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.
Automatic Restoration of Sum Insured (not appilcable for Family Package):

In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 200% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.

 

HIV Persons Coverage:

This policy can be taken by HIV positive persons provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

 

Bonus:
  • Bonus calculated at 5% of the basic sum insured for every claim-free year subject to a maximum of 25% is allowable.In the event of the claim the bonus will reduced by 5%.
  • Bonus is not available for Family Package Plan.

Eligibility

  • Policy can be taken by any person between 5 months and 65 years of age.
  • Children can be covered only along with parents.

This policy can be taken by HIV positive persons - provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

General Terms

Pre- Acceptance Medical Screening:

Persons above 50 years will be required to undergo pre-acceptance medical screening at the company nominated centers. The cost of screening is currently borne by the company.

 

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

 

Free Look Period:

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

 

Guaranteed Lifetime Renewals:

Life-long renewals beyond 65 years are offered under this policy.

 

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDA.

Star Advantage

  •  No Third Party Administrator – direct in-house claims settlement.
  •  Faster and hassle-free claim settlement.
  •  Cashless hospitalization.
  •  Network of more than 7800 hospitals across India.
  •  Facility for maintaining personal health records in electronic format.

For details contact toll free no 1800 425 2255 / 1800 102 4477

Premium Chart

EXCLUDING SERVICE TAX
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs.
SUM INSURED (Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 3030 4400 4915 5450 7800 9545
36-45 2510 3260 4650 5550 6145 8200 9910
46-50 3770 5120 7665 8950 10700 13600 15310
51-55 4495 6110 11365 12690 14000 18384 22510
56-60 6200 7750 13750 15535 16775 22910 29160
61-65 7900 9850 14350 20000 24430 28900 39555
Renewals Only
66-70 11800 14005 20000 26800 34680 34755 47125
71-75 13300 17330 24350 31525 38700 41615 52525
76-80 16800 22300 32270 42420 52540 58250 67825
Above 80 21840 28990 41950 55140 68300 75725 88170
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 2880 4000 4515 5080 7465 9165
36-45 2510 3175 4535 5210 5870 7965 9595
46-50 3770 4775 7200 8700 10700 13265 14710
51-55 4495 5900 11115 12335 13555 17875 21710
56-60 6200 7350 13200 15000 15875 21440 28810
61-65 7900 9550 14000 19600 24000 28200 38365
Renewals Only
66-70 11800 13500 19600 26200 33840 34200 46395
71-75 13300 16950 23800 31000 38100 40800 50675
76-80 16800 22000 31900 41900 51900 57600 66700
Above 80 21840 28600 41470 54470 67470 74880 86710
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years
Amount in Rs.
2 Years Premium for Zone 1
Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5757 8360 9339 10355 14820 18136
35 4769 5976 8598 9942 11015 15200 18482
36-44 4769 6194 8835 10545 11676 15580 18829
45 5966 7961 11699 13775 16003 20710 23959
46-49 7163 9728 14564 17005 20330 25840 29089
50 7852 10669 18079 20558 23465 30385 35929
51-54 8541 11609 21594 24111 26600 34930 42769
55 10160 13167 23859 26814 29236 39229 49087
56-59 11780 14725 26125 29517 31873 43529 55404
60 13395 16720 26695 33758 39145 49220 65279
61-64 15010 18715 27265 38000 46417 54910 75155
65 18715 22662 32633 44460 56226 60401 82346
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 26610 38000 50920 65892 66035 89538
70 23845 29768 42133 55409 69782 72480 94668
71-74 25270 32927 46265 59898 73530 79069 99798
75 28595 37649 53789 70248 86678 94872 114333
76-79 31920 42370 61313 80598 99826 110675 128868
80 36708 48726 70509 92682 114798 127276 148195
Above 80 41496 55081 79705 104766 129770 143878 167523
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years.
Amount in Rs.
2 Years Premium for Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5472 7600 8579 9652 14184 17414
35 4769 5752 8108 9239 10403 14659 17822
36-44 4769 6033 8617 9899 11153 15134 18231
45 5966 7553 11148 13215 15742 20169 23090
46-49 7163 9073 13680 16530 20330 25204 27949
50 7852 10141 17399 19983 23042 29583 34599
51-54 8541 11210 21119 23437 25755 33963 41249
55 10160 12588 23099 25968 27959 37349 47994
56-59 11780 13965 25080 28500 30163 40736 54739
60 13395 16055 25840 32870 37881 47158 63816
61-64 15010 18145 26600 37240 45600 53580 72894
65 18715 21898 31920 43510 55290 58938 80522
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 25650 37240 49780 64296 64980 88151
70 23845 28928 41230 54340 68685 70908 92217
71-74 25270 32205 45220 58900 72390 77520 96283
75 28595 37003 52915 69255 85500 93480 111506
76-79 31920 41800 60610 79610 98610 109440 126730
80 36708 48070 69702 91552 113402 125856 145740
Above 80 41496 54340 78793 103493 128193 142272 164749
Family Package Plan
Available for persons below 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons.
Amount in Rs.
All India Annual Premium in Rs.
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-25 4460 5149 5200 4745 5945 7145
26-30 4635 5280 5400 5045 6195 7345
31-35 4635 5280 5600 5230 6275 7483
36-40 4965 5400 6200 5555 6365 7700
41-45 5095 5595 6500 5915 6500 7805
All India 2 Year Premium in Rs. (Service Tax Extra)
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Family Size Family Size
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-24 8874 9783 9880 9016 11296 13576
25 8640 9908 10070 9301 11533 13766
26-29 8807 10032 10260 9586 11771 13956
30 8807 10032 10450 9761 11847 14087
31-34 8807 10032 10640 9937 11923 14218
35 9120 10146 11210 10246 12008 14424
36-39 9434 10260 11780 10555 12094 14630
40 9557 10445 12065 10897 12222 14730
41-43 9681 10631 12350 11239 12350 14830
INCLUDING SERVICE TAX @ 15%
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Annual Premium in Rs.
SUM INSURED (Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2887 3485 5060 5652 6268 8970 10977
36-45 2887 3749 5348 6383 7067 9430 11397
46-50 4336 5888 8815 10293 12305 15640 17607
51-55 5169 7027 13070 14594 16100 21142 25887
56-60 7130 8913 15813 17865 19291 26347 33534
61-65 9085 11328 16503 23000 28095 33235 45488
 
66-70 13570 16106 23000 30820 39882 39968 54194
71-75 15295 19930 28003 36254 44505 47857 60404
76-80 19320 25645 37111 48783 60421 66988 77999
Above 80 25116 33339 48243 63411 78545 87084 101396
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2887 3312 4600 5192 5842 8585 10540
36-45 2887 3651 5215 5992 6751 9160 11034
46-50 4336 5491 8280 10005 12305 15255 16917
51-55 5169 6785 12782 14185 15588 20556 24967
56-60 7130 8453 15180 17250 18256 24656 33132
61-65 9085 10983 16100 22540 27600 32430 44120
Renewals Only
66-70 13570 15525 22540 30130 38916 39330 53354
71-75 15295 19493 27370 35650 43815 46920 58276
76-80 19320 25300 36685 48185 59685 66240 76705
Above 80 25116 32890 47691 62641 77591 86112 99717
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years
Amount in Rs.
2 Years Premium for Zone 1
Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 5484 6621 9614 10740 11908 17043 20856
35 5484 6872 9888 11433 12667 17480 21254
36-44 5484 7123 10160 12127 13427 17917 21653
45 6861 9155 13454 15841 18403 23817 27553
46-49 8237 11187 16749 19556 23380 29716 33452
50 9030 12269 20791 23642 26985 34943 41318
51-54 9822 13350 24833 27728 30590 40170 49184
55 11684 15142 27438 30836 33621 45113 56450
56-59 13547 16934 30044 33945 36654 50058 63715
60 15404 19228 30699 38822 45017 56603 75071
61-64 17262 21522 31355 43700 53380 63147 86428
65 21522 26061 37528 51129 64660 69461 94698
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 25783 30602 43700 58558 75776 75940 102969
70 27422 34233 48453 63720 80249 83352 108868
71-74 29061 37866 53205 68883 84560 90929 114768
75 32884 43296 61857 80785 99680 109103 131483
76-79 36708 48726 70510 92688 114800 127276 148198
80 42214 56035 81085 106584 132018 146367 170424
Above 80 47720 63343 91661 120481 149236 165460 192651
Note: Pre-Insurance Medical Examination is compulsory for all persons above 50 years.
Amount in Rs.
2 Years Premium for Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 5484 6293 8740 9866 11100 16312 20026
35 5484 6615 9324 10625 11963 16858 20495
36-44 5484 6938 9910 11384 12826 17404 20966
45 6861 8686 12820 15197 18103 23194 26554
46-49 8237 10434 15732 19010 23380 28985 32141
50 9030 11662 20009 22980 26498 34020 39789
51-54 9822 12892 24287 26953 29618 39057 47436
55 11684 14476 26564 29863 32153 42951 55193
56-59 13547 16060 28842 32775 34687 46846 62950
60 15404 18463 29716 37801 43563 54232 73388
61-64 17262 20867 30590 42826 52440 61617 83828
65 21522 25183 36708 50037 63584 67779 92600
Renewals Only
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 25783 29498 42826 57247 73940 74727 101374
70 27422 33267 47415 62491 78988 81544 106050
71-74 29061 37036 52003 67735 83249 89148 110725
75 32884 42553 60852 79643 98325 107502 128232
76-79 36708 48070 69702 91552 113402 125856 145740
80 42214 55281 80157 105285 130412 144734 167601
Above 80 47720 62491 90612 119017 147422 163613 189461
Family Package Plan
INCLUDING SERVICE TAX @ 15%
Amount in Rs.
All India Annual Premium in Rs.
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-25 5129 5921 5980 5457 6837 8217
26-30 5330 6072 6210 5802 7124 8447
31-35 5330 6072 6440 6015 7216 8605
36-40 5710 6210 7130 6388 7320 8855
41-45 5859 6434 7475 6802 7475 8976
All India 2 Year Premium in Rs. (Service Tax Extra)
Family Package plan
The sum insured is apportioned equally among all the family members who are insured
Sum Insured Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Family Size Family Size
Year 2A 2A+1C 2A+2C 2A 2A+1C 2A+2C
5m-24 10205 11250 11362 10368 12990 15612
25 9936 11394 11581 10696 13263 15831
26-29 10128 11537 11799 11024 13537 16049
30 10128 11537 12018 11225 13624 16200
31-34 10128 11537 12236 11428 13711 16351
35 10488 11668 12892 11783 13809 16588
36-39 10849 11799 13547 12138 13908 16825
40 10991 12012 13875 12532 14055 16940
41-43 11133 12226 14203 12925 14203 17055
Welcome to Star Health
Available
Please select your country and enter your phone number
*I hereby authorize Star Health Insurance to contact me. It will override my registry on the NCPR.
Connecting now...
Connection Established.
Please verify your number using the code below.
11001
Number verification successful
Number verification failed.
Call in progress.
Call Completed Successfully.
Call ended.
Agent busy.
Oops! Something went wrong.
00:00:00