Star Medi Classic Plan
Star Health Insurance
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Comprehensive Advanced Treatments
Covers cutting-edge procedures like robotic surgeries, deep brain stimulation, and oral chemotherapy, ensuring access to modern medical advancements without additional financial burden.
Room Rent (Normal & ICU)
Covers normal room rent up to 2% of the basic sum insured or ₹5,000 per day. ICU charges are covered as per policy terms, ensuring financial relief for hospitalization.
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Policy Wording
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Our Verdict
The Star Health Medi Classic Insurance Policy offers comprehensive coverage, including daycare procedures and modern treatments, with added benefits like No Claim Bonus and health check-ups. Ideal for individuals seeking affordable, wide-ranging health protection.
About the Plan
The Star Health Medi Classic Insurance Policy covers hospitalization, daycare procedures, and modern treatments for individuals aged 5 months to 65 years. It includes pre-hospitalization (30 days) and post-hospitalization (60 days), cataract treatment, organ donor expenses, and ambulance charges up to ₹1,500. Policyholders benefit from a health check-up after four claim-free years and a No Claim Bonus of 5% per year (up to 25%). Pre-existing diseases are covered after 48 months. The plan offers cashless treatment across 14,000+ hospitals.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covered up to 2% of the basic Sum Insured of Rs. 5000/- per day.
ICU: Covered up to Sum Insured.
Advanced Treatments
Uterine artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy- Monoclonal Antibody to be given as injection
Intra vitreal injections g. Robotic surgeries
Stereotactic radio surgeries
Bronchial Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Co-payment
Co-payment of 10% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.
Waiting Periods
Pre-Existing Diseases: Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer.
Specified Diseases: Expenses related to the treatment of Specified Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.
Initial Waiting Periods: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
14,000+ Network Hospitals
Day Care Treatments
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
AYUSH Treatment
Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered.
Exclusions
Pre-existing diseases until 48 months of continuous coverage.
Treatment for weight control, cosmetic surgery, and plastic surgery.
Expenses related to HIV/AIDS and other sexually transmitted diseases.
Treatment for infertility and related conditions.
Hospitalization primarily for diagnostic purposes without illness manifestation.
Injuries or illnesses due to war, nuclear hazards, or radiation.
Maternity expenses, including childbirth and related complications.
Congenital external diseases, defects, or anomalies.
Expenses incurred for treatment outside India.
Intentional self-injury, suicide, or attempted suicide.
Exclusions
Hospital Cash Benefit - Provides a daily cash allowance during hospitalization.
Patient Care Cover - Offers post-hospitalization nursing expenses for individuals above 65 years.
Newborn Baby Cover - Extends coverage to newborns under the family package plan.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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