Star Health – Star Health Mediclassic

8.5
Expert ScoreRead review

Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location

  • Cover :₹ 5.0 Lakhs
  • Bonus / NCB :5% of sum insured for every claim free year, max 25%
  • Copay :No copayment
  • Claims Settled :99.06%

₹8,129.00

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Category:
Health insurance

Star Health – Star Health Mediclassic

8.5
Expert ScoreRead review


Premium Amount

₹8,129.00

Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location

  • Cover :₹ 5.0 Lakhs
  • Bonus / NCB :5% of sum insured for every claim free year, max 25%
  • Copay :No copayment
  • Claims Settled :99.06%
Category:
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
NA
Ambulance charges
Rs. 750 per hospitalization, Rs.1,500 per policy period
Pre-hospitalisation
Expenses for 30 days covered
No claim bonus
5% of sum insured for every claim free year, max 25%
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
NA
Outpatient Expense
NA
Organ donor expenses
NA
New-born treatment
NA
Domiciliary Hospitalisation
Covered (Actuals) for the period exceeding three days. Pre/Post hospitalization not covered in case of domiciliary.
Recovery allowance
NA
Sum Insured
5 Lakh
E- Consultation
NA

Pros

NA
5% of sum insured for every claim free year, max 25%
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:

USP of This Plan

Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location

  • Cover :₹ 5.0 Lakhs
  • Bonus / NCB :5% of sum insured for every claim free year, max 25%
  • Copay :No copayment
  • Claims Settled :99.06%

Our Take

8.5Expert Score
Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location
  • Cover :₹ 5.0 Lakhs
  • Bonus / NCB :5% of sum insured for every claim free year, max 25%
  • Copay :No copayment
  • Claims Settled :99.06%
Best values score
8.5

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 – Star Health Mediclassic
₹8,129.00

Star Health – Star Health Mediclassic

★★★★★
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Add to compare
8.5Expert Score
Star Mediclassic is a health plan designed for individuals as well as for their families. The plan provides an all-round coverage covering non-allopathic treatments within its coverage scope too. Premiums are competitive and are priced according to the individual’s location
  • Cover :₹ 5.0 Lakhs
  • Bonus / NCB :5% of sum insured for every claim free year, max 25%
  • Copay :No copayment
  • Claims Settled :99.06%
Best values score
8.5

Specification: Star Health – Star Health Mediclassic

Claims settlment Ratio

Sum Insured

100% Cover restoration

No claim bonus

Free Health Checkup

Ambulance charges

Daily Cash Allowance

Pre-hospitalisation Expenses

Post hospitalisation expenses

Organ donor expenses

Maternity

New-born treatment

Domiciliary Hospitalisation

Outpatient

Ayush treatments

Day Care Procedures

Abundance of network hospitals

Pre-existing diseases (PED)Coverage

Recovery allowance

Room Rent Limit

Tele-Consultation

The waiting period

Treatment at Home

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Star Health – Star Health Mediclassic
Star Health – Star Health Mediclassic

₹8,129.00

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