Star Health Mediclassic
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of sum insured for every claim free year, max 25%
- Copay :No copayment
- Claims Settled :99.06%
- 1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years
- This plan also provides a No claim bonus of 5% max upto 25% and 200% restoration benefits
₹6,082.00
Star Health Mediclassic
Premium Amount
₹6,082.00
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of sum insured for every claim free year, max 25%
- Copay :No copayment
- Claims Settled :99.06%
- 1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years
- This plan also provides a No claim bonus of 5% max upto 25% and 200% restoration benefits
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
Domiciliary Hospitalisation
cons
USP of This Plan
- Cover :₹ 3.0 Lakhs
- Bonus / NCB :5% of sum insured for every claim free year, max 25%
- Copay :No copayment
- Claims Settled :99.06%
- 1% of the Sum Insured, Maximum Rs. 5,000 after block of 4 claim free years
- This plan also provides a No claim bonus of 5% max upto 25% and 200% restoration benefits
Our Take
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.
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Specification: Star Health Mediclassic
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