Medi Classic Policy (2009-10)
Medi Classic Insurance from Star Health is a
Policy Benefits
- Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @2% of sum insured, subject to a maximum of Rs.4000/- per day.
- Nursing expenses.
- Surgeon's fees, Consultant's fees, Anaesthetists’ and Specialist's fees.
- Cost of medicines and drugs.
- Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs 750/- per hospitalization and overall limit of Rs 1500/- per policy period.
Pre-Hospitalization & Post-Hospitalization
- Pre-hospitalization medical expenses up to 30 days prior to date of admission.
- Post-hospitalization - a lump-sum calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable
- Non-allopathic Treatments up to Rs.25000/- per occurence, subject to a maximum of 25% of sum insured per policy period.
Non-Allopathic Treatments
Non-allopathic Treatments up to Rs.25000/- per occurrence, subject to a maximum of 25% of sum insured per policy period.
No-Claim Discount
Discount ranging from 5%-25% for every claim-free year (except for the Family Package Plan)
How much to pay (for individuals)
| Sum Insured (in Rs.) | 5 Months - 35 Yrs | 36 - 45 Yrs | 46 - 55 Yrs | 56 - 65 Yrs | 66 - 70 Yrs | 71 - 75 Yrs | 76 - 80 Yrs |
| 50000/- | 575/- | 700/- | 1320/- | NA | NA | NA | NA |
| 100000/- | 1200/- | 1350/- | 2447/- | 3000/- | 4547/- | 4872/- | 6029/- |
| 150000/- | 1800/- | 2000/- | 3400/- | 4200/- | 6717/- | 7284/- | 9284/- |
| 200000/- | 2350/- | 2600/- | 4583/- | 5300/- | 8768/- | 9574/- | 12420/- |
| 250000/- | 2800/- | 3150/- | 5548/- | 7200/- | 10696/- | 11744/- | 15433/- |
| 300000/- | 3300/- | 3650/- | 6170/- | 8200/- | 12625/- | 13914/- | 18449/- |
| 350000/- | 3750/- | 4150/- | 7408/- | 10196/- | 14434/- | 15964/- | 21341/- |
| 400000/- | 4200/- | 4500/- | 8700/- | 11451/- | 16242/- | 18015/- | 24236/- |
| 500000/- | 4900/- | 5400/- | 10700/- | 13958/- | 19859/- | 22113/- | 30023/- |
| 10,00,000/-* | 7465/- | 7965/- | 13265/- | 16525/- | NA | NA | NA |
| Service Tax Extra *Entry age upto 45 Years. Renewal upto 65 Years. | |||||||
Rating for Family Package
(Available for persons below 45 Years. The Sum insured is apportioned equally among insured family members)
| Family Members | Sum Insured Rs. 200000/- | Sum Insured Rs. 300000/- |
| 2 Adults | 2348/- | 3400/- |
| 2 Adults + 1Child | 2238/- | 3825/- |
| 2 Adults + 2 Children | 2320/- | 4080/- |
| 1 Adult + 1 Child | 2168/- | 3230/- |
| 1 Adult + 2 Child | 2206/- | 3280/- |
For Groups
| Group Size | % of discount on Premium (Excluding add-on covers & service tax) |
| Up to 500 Persons | NIL |
| 501-1000 | 2.5% |
| 1001-3000 | 5.0% |
| 3001-7000 | 7.5% |
| 7001-10000 | 10% |
| > 10000 | 12% |
Optional benefits on payment of additional premium
- Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalization. Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age.
- 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. Premium Rs 300 per person.
- New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of the sum insured in respect of the mother. Premium 10% of policy premium.
Eligibility
- Any persons aged between 5 months and 80 years, residing in India, can take this insurance.
Tax Benefits
Premium paid by cheque or credit card for this
Exclusions
- Expenses for the treatment of any illness/disease/condition, which is pre-existing
- Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy
- 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 inter-vertebral disc (other than caused by accident), Varicose Veins and Varicose Ulcers
- First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone
- Naturopathy treatment
- Expenses which are purely diagnostic in nature with no positive existence of any disease
- Treatment of congenital external disease/defects/anomalies
- Expenses which are mainly cosmetic in nature.
