Overview
Commencing operations in 2006 as Indias first Standalone Health Insurance provider, Star Health and Allied Insurance Co Ltd is providing sterling services in Health, Personal Accident and Overseas Travel Insurance etc. Awarded for “Best Health Insurance provider of the year 2018” – Business Today, Money Today financial awards 2018 – 2019 and Awarded as “India’s leading Insurance Company of the year – Dun & Bradstreet BFSI Summit & Awards 2019. Star health offers a wide range of products from floater schemes, senior citizen coverage plans and products for Diabetes/Heart/HIV patients also. It has a Pan India presence with 550+branch offices, Cashless treatment at 9900+ hospitals across India, Star health also provides 24 X 7 FREE medical advice and expert Doctor consultation. You also get Hassle-free in-house claim settlement without intervention of TPA. Star Health efforts have always been on service excellence and product innovation with a focus on delivering the best to the customers
Highlights For
Medi Classic
Emergency Ambulance Charges
AYUSH
Restoration of Sum Insured
Congenital Coverage
Features
Sub-limits
No sub-limits
Pre-Hospitalisation : 30 days
The amount of expenses incurred during this period prior to hospitalisation such as diagnostic tests, doctor fees, medicines, etc. for investigiation purpose are also payable by the insurer
Post Hospitalisation : 60 days
The amount of expenses incurred during this period after discharge from hospitalisation for the purpose of recovery such as follow-up tests, doctor fees, medicines, etc. are also payable by the insurer
Pre existing Disease cover : After 48 months of waiting period
Coverage for all Pre-Existing Diseases covered after a certain specified waiting period with continuous renewal.
Waiting Period- Initial : 30 days
No claims are accepted within this period except due to accidents/ injury.
Waiting Period- Specific : 24 months
Listed specific illness
Waiting Period- PED : 24 months
No pre-existing ailment related claims are accepted within this period.
Room Rent : 2% of the Sum Insured, subject to a maximum of Rs.5,000/- per day
Room rent for in-patient hospitalisation
ICU Charges : Upto somer insures
Charges for ICU hospitalisation
Co pay : Subject to co-payment of 10% of each and every claim
% of the claim that the policyholder needs to pay out-of-pocket
Restore Benefit/ Recharge/ Refill : automatic restoration of the Basic Sum Insured by 200%, once during the policy period
If the sum insured is exhausted due to hospitalisation expenses of one or more members, there is an automatic restoration of the sum insured for related or unrelated ailments.
Health Check up : 3,00,000 to 5,00,000 - Up to 1,500/- for every claim free year 10,00,000 and 15,00,000 - Up to 2,500/- for every claim free year 20,00,000 and 25,00,000 - Up to 5,000/- for every claim free year
Free annual health check-up for all insured members according to the list of tests specfied in the policy document.
No Claim Bonus : 5% of the basic sum insured for every claim free year subject to a maximum of 25%.
% of the sum insured that rises every claim free year.
Video/telephone consultation : No
E-consultation with expert doctors empanelled with the insurer for a second opinion.
Domiciliary hospitalization : Yes,for a period exceeding 3 days
Home care treatment where there are no beds in the hospital or paitient is not in a condition to be moved to the hospital, This treatment is provided under the supervision of a registered medical practitioner.
Ambulance : Up to a sum of Rs. 750/- per hospitalisation and overall limit of Rs. 1500/- per policy period
Transportation of the patient to the hospital and back home
Convalescence benefit : No
A specific fixed amount of money paid as a recovery benefit for extended hospitalisation.
Organ Donor : Covered for surgery. Donor screening expenses and post-donation complications of the donor are not payable.
The costs for a surgical procedure of removal or damaged organ from the patient's body which could otherwise be fatal.
Bariatric cover : No
Expenses related to obesity-related conditions such as high BP, sleep apnea, arthiritis asthma, etc.
Daycare : All day care procedures are covered
Covers in-patient hospitalisation expenses where the stay is <24 hours under a specified list of treatments
AYUSH : upto Sum insured
Alternative treatment coverage such as ayurvedic, unani, sidha and homeopathy which leads to hospitalisation.
Congenital Coverage : Covered Internal disease / defect
Covers medical expenses related to diagnosis and treatment of heriditary and internal congenital ailments/ conditions/ traits that exist from birth.
Modern Treatments : Covered specific treatment
All advanced treatment with upgrade in technology.
Health Management/ Wellness : No
Benefits provided for staying fit and managing health
Maternity Benefit : No
All expenses related to childbirth or legal medical termination of pregnancy, usually upto a specified limit.