Star Medi Classic
Star
7.0/10
OneAssure Rating
7.0/10
OneAssure Rating
Highlighted Features
Comprehensive Advanced Treatments
Covers cutting-edge procedures like robotic surgeries, deep brain stimulation, and oral chemotherapy, ensuring access to modern medical advancements without additional financial burden.
Room Rent (Normal & ICU)
Covers normal room rent up to 2% of the basic sum insured or ₹5,000 per day. ICU charges are covered as per policy terms, ensuring financial relief for hospitalization.
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Policy Wording
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Our Verdict
The Star Health Medi Classic Insurance Policy offers comprehensive coverage, including daycare procedures and modern treatments, with added benefits like No Claim Bonus and health check-ups. Ideal for individuals seeking affordable, wide-ranging health protection.
About the Plan
The Star Health Medi Classic Insurance Policy covers hospitalization, daycare procedures, and modern treatments for individuals aged 5 months to 65 years. It includes pre-hospitalization (30 days) and post-hospitalization (60 days), cataract treatment, organ donor expenses, and ambulance charges up to ₹1,500. Policyholders benefit from a health check-up after four claim-free years and a No Claim Bonus of 5% per year (up to 25%). Pre-existing diseases are covered after 48 months. The plan offers cashless treatment across 14,000+ hospitals.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent
- Normal: Covered up to 2% of the basic Sum Insured of Rs. 5000/- per day.
- ICU: Covered up to Sum Insured.
- Normal: Covered up to 2% of the basic Sum Insured of Rs. 5000/- per day.
Advanced Treatments
- Uterine artery Embolization and HIFU
- Balloon Sinuplasty
- Deep Brain stimulation
- Oral chemotherapy
- Immunotherapy- Monoclonal Antibody to be given as injection
- Intra vitreal injections g. Robotic surgeries
- Stereotactic radio surgeries
- Bronchial Thermoplasty
- Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
- IONM - (Intra Operative Neuro Monitoring)
Co-payment
Co-payment of 10% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.
Waiting Period
- Pre-Existing Diseases: Coverage under the policy after the expiry of 36 months for any pre-existing disease is subject to the same being declared at the time of application and accepted by Insurer.
- Specified Diseases: Expenses related to the treatment of Specified Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.
- Initial Waiting Periods: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.
Cashless Healthcare Providers
14,000+ Network Hospitals
Daycare Treatment
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
AYUSH Treatment
Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered.
Exclusions
Pre-existing diseases until 48 months of continuous coverage.
Treatment for weight control, cosmetic surgery, and plastic surgery.
Expenses related to HIV/AIDS and other sexually transmitted diseases.
Treatment for infertility and related conditions.
Hospitalization primarily for diagnostic purposes without illness manifestation.
Injuries or illnesses due to war, nuclear hazards, or radiation.
Maternity expenses, including childbirth and related complications.
Congenital external diseases, defects, or anomalies.
Expenses incurred for treatment outside India.
Intentional self-injury, suicide, or attempted suicide.
Exclusions
Related Variants
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
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 sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.
About the Company
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