Star Health Mediclassic

8.1

Expert ScoreRead review

Premium Amount

Category: Health Insurance

100% Cover restoration

Up to 200% once in a year - Can’t be utilized for illnesss for which claim was made

Free Health Check-up

Daily cash allowance

Ambulance charges

1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years

Pre-hospitalisation

Expenses for 30 days covered

No claim bonus

Up to 200% once in a year - Can’t be utilized for illnesss for which claim was made

Post hospitalisation

Expenses for 60 days covered

Ayush treatments

Up to 25% of the basic sum Insured subject to a maximum of Rs.25,000/- per policy year

Maternity

Outpatient Expense

Organ donor expenses

New-born treatment

Domiciliary Hospitalisation

Covered (Actuals) for the period exceeding three days. Pre/Post hospitalization not covered in case of domiciliary.

Recovery allowance

Sum Insured

2 Lakh

E- Consultation

Pros

Up to 200% once in a year - Can’t be utilized for illnesss for which claim was made

Up to 25% of the basic sum Insured subject to a maximum of Rs.25,000/- per policy year

Domiciliary Hospitalisation

Covered (Actuals) for the period exceeding three days. Pre/Post hospitalization not covered in case of domiciliary.

cons

Category: Health Insurance

USP of This Plan

Our Take

8.1Expert Score

Best value score

8.1

Policy Exclusions :

Any claim other than accidental claims inside 30 day waiting period

Obesity & weight control

Any claim for PEDs made during the waiting period of 36 months for 1 & 2 year policies or 30 months for 3 year policy.

Change of gender treatments

Any claim for specific procedures or diseases during the waiting period of 24 months

Cosmetic or plastic surgery

Investigation & Evaluation

Hazardous or adventure sports

Rest care & rehab outside the limits covered

Breach of law

Alcholism, drug or substance abuse

Excluded providers

Treatment recieved in nature clinics, health hydros, spas, etc and dietary supplements and substances purchase without prescription

Refractive error

Unproven treatments

Sterility, Infertility expenses and Maternity expenses over and above those covered in the policy

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.

Star Health Mediclassic

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8.1Expert Score

Best value score

8.1

Specification: Star Health Mediclassic

Co-pay	No co-pay
Claims settlment Ratio	99.06%
Sum Insured	2 Lakh
100% Cover restoration	Up to 200% once in a year – Can’t be utilized for illnesss for which claim was made
No claim bonus	Up to 200% once in a year – Can’t be utilized for illnesss for which claim was made
Free Health Checkup	1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years
Ambulance charges	1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years
Daily Cash Allowance	NA
Pre-hospitalisation Expenses	Expenses for 30 days covered
Post hospitalisation expenses	Expenses for 60 days covered
Organ donor expenses	NA
Maternity	NA
New-born treatment	NA
Domiciliary Hospitalisation	Covered (Actuals) for the period exceeding three days. Pre/Post hospitalization not covered in case of domiciliary.
Outpatient	NA
Ayush treatments	Up to 25% of the basic sum Insured subject to a maximum of Rs.25,000/- per policy year
Day Care Procedures	NA
Abundance of network hospitals	11,318 Pan India
Pre-existing diseases (PED)Coverage	4 years
Recovery allowance	NA
Room Rent Limit	NA
Tele-Consultation	NA
The waiting period	covers accident related hospitalisation from day 1. Other hospitalisations are covered from 30 days after the policy start date
Treatment at Home	NA

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Star Health Mediclassic

Star Health Mediclassic

Premium Amount

100% Cover restoration

Free Health Check-up

Daily cash allowance

Ambulance charges

Pre-hospitalisation

No claim bonus

Post hospitalisation

Ayush treatments

Maternity

Outpatient Expense

Organ donor expenses

New-born treatment

Domiciliary Hospitalisation

Recovery allowance

Sum Insured

E- Consultation

Pros

cons

USP of This Plan

Our Take

Policy Exclusions :

Claims settlement

Star Health Mediclassic

Specification: Star Health Mediclassic

User Reviews

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