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 provides for 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 any Indian Insurance Company. |
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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, Boarding & Nursing Charges @2% of sum insured, subject to a maximum of Rs.5000/- per day. |
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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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| Top |
| 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 - calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable. |
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| Special Additional Features |
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Automatic Restoration of Sum Insured: The sum insured is automatically restored by 200% when the basic sum insured is fully exhausted during the policy period. |
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Cost of Health Checkup: Cost of Health Check-up up to 1% of the average sum insured after every block of 4 claim free years subject to a maximum Rs.5000/- is payable. |
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Policy Term: The policy is usually available for one year, but in case premium for two years is paid in advance, then a discount of 5% is available on the total premium. |
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| How much to pay? |
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| Zone 1 |
| Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat |
| Age |
Annual Premium in Rs. (Service Tax Extra) |
| 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 |
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| Renewals Only |
SUM INSURED (Rs.) |
| Year |
150000 |
200000 |
300000 |
400000 |
500000 |
1000000 |
1500000 |
| 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 |
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| Zone 2 |
| Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat ) |
| Age |
Annual Premium in Rs. (Service Tax Extra) |
| SUM INSURED(Rs.) |
| Year |
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 |
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| Renewals Only |
SUM INSURED(Rs.) |
| Year |
150000 |
200000 |
300000 |
400000 |
500000 |
1000000 |
1500000 |
| 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 |
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| 2 Years Premium for Zone 1 |
| Â Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat |
| Age |
2 Years Premium in Rs. (Service Tax Extra) |
| SUM INSURED(Rs.) |
| 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 |
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| Renewals Only |
SUM INSURED(Rs.) |
| 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 |
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| 2 Years Premium for Zone 2 |
|  Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat) |
| Age |
2 Years Premium in Rs. (Service Tax Extra) |
| SUM INSURED(Rs.) |
| 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 |
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| Renewals Only |
SUM INSURED(Rs.) |
| 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 |
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| Family Package: |
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.
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 |
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| Rating for Family Package plan |
| All India Annual Premium in Rs. (Service Tax Extra) |
| Family Package plan |
| Age |
Sum Insured Rs. 200000/- |
Sum Insured Rs. 300000/- |
| Family Size |
Family Size |
| 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 |
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| All India 2 Year Premium in Rs. (Service Tax Extra) |
| Family Package plan |
| Age |
Sum Insured Rs. 200000/- |
Sum Insured Rs. 300000/- |
| The sum insured is apportioned equally among all the family members who are insured |
The sum insured is apportioned equally among all the family members who are insured |
| Family Size |
Family Size |
| Year |
2A |
2A+ 1C |
2A+2C |
2A |
2A+ 1C |
2A+2C |
| 5m-24 |
8474 |
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 |
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Optional Benefits On Payment Of Additional Premium
(Not available under Family Package Plan)
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Hospital Cash:Provides for payment of Rs. 1000/- per day of completed hospitalisation - max. 7 days per hospitalisation and 14 days per policy period. Additional Premium Rs. 350/- plus Service Tax. |
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Patient Care:Available for persons above 60 years. Pays for attendant charges after discharge from hospital @ Rs.400/- per day for maximum 5 days per hospitalisation and 14 days per policy period. Additional Premium Rs. 580/- plus Service Tax. |
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| Top |
| 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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| 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 5400 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 / 1800 102 4477 for medical advices. |
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Free Health magazines are issued to policy holders at regular intervals |
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Medi Classic
