Star Hospital Cash Insurance Policy

Not established as a benefit of the Hospital Cash option. Verify consumables coverage under the underlying policy wording and any applicable add-on.

The underlying Medi Classic policy specifies an initial waiting period of 30 days for illnesses, except covered accident claims. Confirm the applicable conditions in the current policy wording. This is not a separate Hospital Cash waiting period.

Room-rent eligibility is governed by the underlying Medi Classic Gold Plan and its applicable policy terms. The Hospital Cash benefit does not independently provide a room-rent limit. Verify the selected Gold Plan's room eligibility against the current policy wording.

Cashless hospitalisation is governed by the underlying Medi Classic policy, network hospital arrangements and applicable authorisation conditions. Hospital Cash is payable only when the required policy conditions are met, including a valid hospitalisation claim.

The underlying Medi Classic policy specifies a 24-month waiting period for listed diseases and procedures, subject to policy terms and applicable exceptions. This is not a separate Hospital Cash waiting period.

The underlying Medi Classic policy specifies a 36-month waiting period for pre-existing diseases, subject to policy terms and applicable exceptions. This is not a separate Hospital Cash waiting period.

Post-hospitalisation medical expense coverage is governed by the underlying Medi Classic policy. Hospital Cash itself pays a fixed cash benefit for eligible completed hospitalisation days and does not independently reimburse post-hospitalisation expenses.

Hospital Cash does not independently establish maternity coverage. Refer to the underlying policy wording for applicable maternity-related exclusions and exceptions.

Preventive health check-up benefits are governed by the underlying Medi Classic policy and the selected Sum Insured. This is not a separate benefit of the Hospital Cash option.

Routine OPD expenses are not established as a benefit of the Hospital Cash option. Verify any OPD coverage under the underlying Medi Classic policy or applicable add-ons.

A separate deductible option has not been established for the Hospital Cash benefit. Verify the underlying policy schedule if a deductible field is required for the main policy.

Hospital Cash is an optional benefit available under the Medi Classic Gold Plan for an additional premium. The published benefit is ₹1,000 per eligible completed hospitalisation day, subject to a maximum of seven days per hospitalisation and 14 days per policy period.

AYUSH coverage is governed by the underlying Medi Classic policy and its applicable terms. The Hospital Cash benefit should not be described as a separate AYUSH reimbursement benefit.

A product-specific claim settlement ratio for the Hospital Cash option has not been established from the reviewed source. Do not publish a numerical ratio without a reliable, dated source.

The underlying Medi Classic policy specifies a 10% co-payment for admissible claims for insured persons whose age at entry is 61 years or above, subject to policy conditions. The published policy wording states that the co-payment does not apply to insured persons who entered before age 61 and renew continuously without a break. Co-payment does not apply to the optional Patient Care and Hospital Cash benefits, according to the published prospectus.

Pre-hospitalisation expense coverage is governed by the underlying Medi Classic policy. The Hospital Cash option does not independently reimburse pre-hospitalisation expenses.

Eligible daycare procedures are governed by the underlying Medi Classic policy. Hospital Cash is based on eligible completed hospitalisation days and should not be represented as a separate daycare cash benefit.

Disease-specific and treatment-specific limits are governed by the underlying Medi Classic policy. Hospital Cash has its own defined daily and policy-period limits: ₹1,000 per eligible completed day, up to seven days per hospitalisation and 14 days per policy period.

Restoration is governed by the underlying Medi Classic policy. It is not a separate Hospital Cash benefit. Verify the applicable restoration conditions against the current policy wording before publishing details.