What room category is covered under Medi Classic Gold?

The policy provides coverage for a Private Single AC Room across all available sum insured options.

What is the Super Restoration benefit?

If the policy coverage is exhausted, an additional 100% of the basic sum insured is restored once during the policy period for subsequent hospitalizations, including related illnesses subject to policy terms.

Does the policy cover organ donor expenses?

Yes. Inpatient hospitalization expenses incurred for organ transplantation from the donor to the insured recipient are covered when the transplant claim is admissible.

Is newborn baby hospitalization covered?

Yes. Newborn baby hospitalization expenses are covered from the 16th day after birth up to specified limits, subject to eligibility conditions and policy endorsement requirements.

OneAssure

Health Insurance

Star

Medi Classic Gold

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

Medi Classic Gold is a feature-rich individual health insurance plan offering broad hospitalization coverage along with restoration benefits, organ donor cover, domiciliary treatment, newborn protection, and enhanced health management services.

About

About Star Health Insurance

Medi Classic Gold offers hospitalization coverage including room rent, ICU charges, surgery costs, doctor fees, ambulance expenses, pre- and post-hospitalization expenses, AYUSH treatment, cataract treatment, cumulative bonus, automatic restoration, super restoration, domiciliary hospitalization, organ donor expenses, shared accommodation benefits, preventive health check-ups, road traffic accident benefits, newborn baby coverage, unlimited teleconsultation, AI face scan services, and home care treatment benefits.

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Normal: Private Single AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Covered

Co-payment

Applicable for Senior Entry Ages

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months

Cashless Healthcare Providers

Available

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Private Single AC Room
ICU: Covered up to Sum Insured

Advanced Treatments

Covered

Co-payment

Applicable for Senior Entry Ages

Pageof 3

Exclusions

Not available

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...