Star Health
- Star Health Mediclassic

Plan Overview

Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location

Benefits included

Hospitalization means any impatient treatment (min. 24 hrs stay) as well as the named 101 day care procedures.

• Accident related hospitalisation are covered from day 1.
• Other hospitalisations are covered after 30 days. Cover starts after 30 days, except accidents which are covered from day 1
• Exceptions : Any pre-existing diseases (PED) which are covered after 4 years and some specified diseases which are covered after 2 years from the policy start date.

Other additional benefits :

• 200% Cover restoration
• No claim bonus
• Free Health Check-up
• Ambulance charges
• Daily cash allowance
• 60 days pre-hospitalisation
• 90 days post hospitalisation
• Organ donor expenses
• Maternity
• New-born treatment
• Home treatment
• Outpatient
• Ayush treatments
• Recovery allowance

Out of pocket expenses

• You will bear all the expenses not covered by the policy. Refer to the list of such expenses in the Policy Exclusions section below
• Besides, you will have to pay more if you stay in a room category above 5000

Policy Exculsion

• Cosmetic surgery
• Birth defects
• Medical expenses due to drugs/alcohol abuse
• Self-inflicted injury
• Hazardous sports or war related injuries
• HIV or AIDS
• Sexually Transmitted Disease(STDs)
• Consumables
• Mental illness
• Genetic disorders
• Dental treatment / Surgery
• Eye disorders & lasik laser treatment
• Hospitalization for only diagnostic purpose
• Diagnostic Charges
• Hospital registration or admission fees
• Administrative Charges
• Non medical expenses

Claims settlement

• If you go to a non-network hospital, you will have to get the claim settled on reimbursement basis by providing the original bills and documents to the insurer.
• If you get admitted to a network hospital, you can get a cashless authorization from the insurer and then the insurer will settle the expenses directly with the hospital. See the list of the network hospitals near you below

Most frequently asked questions

Q. What is the eligibility for HIV positive entrants?

A. Individuals who are HIV positive can buy the plan if their CD4 count at the time of buying the plan is above 350. Moreover, hospitalization for opportunistic infections is not covered.

Q. Is free health check-up covered under this plan?

A. Free health check-ups are available after 4 years limited to Rs.5000.

Q. Are day care procedures covered?

A. The plan covers 101 day care procedures.

Q. What is the coverage limit on non-allopathic treatments?

A. Up to 25% of the Sum Assured is available for non-allopathic treatments the absolute amount of which is limited to Rs.25, 000 each policy period.