Mediclassic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries.

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, Anaesthetist's and Specialist's fees.

• Cost of medicines and drugs.

• Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalization and overall limit of Rs 1500/- per policy period.

Pre-Hospitalization & Post-Hospitalization

• Pre-hospitalization medical expenses upto 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 upto Rs.25,000/- per occurence, subject to a maximum of 25% of sum insured per policy period.

Non-Allopathic Treatments

• Non-allopathic Treatments upto Rs.25,000/- per occurence, 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)

Service Tax extra *Entry age upto 45 years. Renewal upto 65 years.

For Groups

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 A/C STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED for this insurance is eligible for relief under Section 80D of the Income Tax Act.

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 intervertibral 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 Cogential external disease/defects/anomalies

• Expenses which are mainly cosmetic in nature

NOTE: For a detailed list of exclusions, refer policy conditions. OR call 099946 12916, 090430 32916

Claims Procedure

• Inform the ID number for easy reference

• In case of planned hospitalization, please inform 24 hours prior to admission into the hospital

• In case of emergency hospitalization, information to be given within 24 hours after hospitalization

• In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents.

NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact Marketing – Executive 099946 12916, 090430 32916, 093628 54443, or SMS SMSTAR TO 56070

How to buy this insurance?

• Please contact us through our Help Line 099946 12916, 093628 54443/ SMS / SMSTAR TO 56070