Mediclassic - Individual Helath Insurance

Medi Classic [Individual Health Insurance] Medi Classic Insurance from Star Health is a policy that aims to provide reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries. Policy Benefits Hospitalization Cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @ 2% of sum insured, subject to a maximum of Rs.4000/- per day. Nursing expenses. Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees. Cost of medicines and drugs. Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalization and overall limit of Rs 1500/- per policy period. Pre-Hospitalization & Post-Hospitalization Pre-hospitalization medical expenses upto 30 days prior to date of admission. Post-hospitalization - a lumpsum calculated at 7% of the hospitalization (excluding room charges)subject to a maximum of Rs.5000 is payable Non-allopathic Treatments upto Rs.25,000/- per occurrence, subject to a maximum of 25% of sum insured per policy period. No-Claim Discount Discount ranging from 5%- 25% for every claim-free year (except for the Family Package Plan). How much to pay (for individuals)

Sum Insured (in Rs) 5 months - 35 yrs 36 - 45 yrs 46 - 55 yrs 56 - 65 yrs 66 - 70 yrs 71 - 75 yrs 76 - 80 yrs 50000 575 700 1320 NA NA NA NA 100000 1200 1350 2447 3000 4547 4872 6029 150000 1800 2000 3400 4200 6717 7284 9284 200000 2350 2600 4583 5300 8768 9574 12420 250000 2800 3150 5548 7200 10696 11744 15433 300000 3300 3650 6170 8200 12625 13914 18449 350000 3750 4150 7408 10196 14434 15964 21341 400000 4200 4500 8700 11451 16242 18015 24236 500000 4900 5400 10700 13958 19859 22113 30023 10,00,000* 7465 7965 13265 16525 NA NA NA

Service Tax 10.30% extra                         *Entry age upto 45 years. Renewal upto 65 years.

Optional benefits on payment of additional premium Hospital Cash: Provides for payment of Rs.500 for each completed day of hospitalization. Premium ranging from Rs.200 to Rs. 350 per person, depending upon the age. Patient Care: Available for persons above 65 years. It pays for the attendant charges after discharge from the hospital @ Rs 400 per day to a maximum of 5 days per hospitalization. Premium Rs 300 per person. New Born Baby cover: Available with Family package plan and provides for your new-born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of the sum insured in respect of the mother. Premium 10% of policy premium. Eligibility Any persons aged between 5 months and 80 years, residing in India,can take this insurance. Tax benefits Premium paid by Cheque A/c Pay, STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED. is eligible for relief as provided under Section 80 D of the Income Tax Act.. Exclusions Expenses for the treatment of any illness/disease/condition, which is pre-existing Treatment of illness/disease/sickness contracted by the insured person during the first 30 days from the commencement date of this policy First Two Years Exclusions: Cataract, Hysterectomy for Menorrhagia or Fibromyoma, Replacement surgery for knee and/or joint(other than caused by an accident), Prolapse of intervertibral disc (other than caused by accident), Varicose Veins and Varicose Ulcers First Year Exclusions: Benign Prostate Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and related disorders, Congenital internal disease/defect, removal of gallstones and renal stone Naturopathy treatment Expenses which are purely diagnostic in nature with no positive existence of any disease Treatment of Cogential external disease/defects/anomalies Expenses which are mainly cosmetic in nature Claims Procedure Inform the ID number for easy reference In case of planned hospitalization, please inform 24 hours prior to admission into the hospital In case of emergency hospitalization, information to be given within 24 hours after hospitalization In non-network hospitals, payment must be made upfront and then reimbursement will be effected on the submission of documents. NOTE: The benefits and exclusions mentioned herein are only an outline of the policy. For complete details, please contact 099946 12916, 093628 5443, Marketing – Sales Manager, Star Health office. How to buy this insurance? Please contact us through our 099946 12916, 093628 5443 / SMS /