| Medi Classic Insurance Policy |
| Who Can Take This Insurance? |
 |
Any person between 5 months
and 65 years of age at the time of entry can
take this insurance. Children can be covered
only along with parents. |
|
The sum insured under this insurance
is per individual member covered |
|
| Special Features of the policy |
|
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 : |
|
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. |
|
| Bonus : |
|
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. |
|
| Star Advantages |
|
No Third Party Administrator,
direct in-house claim settlement |
|
Faster and hassle free claim
settlement |
|
Network of more than 6000 hospitals
across India |
|
Facility for maintaining personal
health records in electronic format |
|
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
| |
