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Star Medi Classic

Objective

An online health insurance policy which aims to protect insured member(s) from expenses incurred on treatment taken as an inpatient along with several other benefits available for extra price.


Suited for

Anyone between 5 and 80 years (65 years for a Rs 10 lakh cover) is eligible to buy this policy on individual or floater basis.


What does it do?

This policy can be bought for an individual, a family floater or a group. Group policy can avail a discount on premium if bought for more than 500 persons. It provides for hospitalisation expenses with sub-limits on room rent and boarding, pre and post hospitalisation expenses and ambulance charges.
Policyholder can widen the cover by opting for other benefits by paying extra premium. Optional benefits include daily cash benefit, patient care for persons above 65 years and newborn baby cover. This policy also covers non-allopathic treatment.


Pros

It covers non-allopathic treatment as well.
The policy can provide cover up to Rs 10 lakh.
This policy allows a 5 per cent discount if it’s purchased online.
It provides a no-claim discount for every claim-free year.
Group policies avail a discount on premium.
Premium paid towards this policy can be availed as deduction under section 80D of IT Act.


Cons

Room rent and boarding charges are capped.
Family floater policy is available for a sum insured up to Rs 3 lakh only.


Our View

This is a good policy that also covers non-allopathic treatment. Policyholders can customise the policy by adding supplementary benefits. For instance, patient care benefit pays a daily cash amount for nursing charges, which is useful.The only drawback is the capping on room rent and boarding. Even though it does not offer a lifelong policy renewal, 80 years is a long enough tenure.

Eligibility
Entry Age (years) 
Minimum5 months
Maximum80 (65 for Rs 10 lakh Sum Insured)
Maximum Policy Renewal Age (years)80 (65 for Rs 10 lakh Sum Insured)
Sum Insured (Rs) 
Maximum10 lakh
Minimum50000
Policy Term (years)1
Tax BenefitPremium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount5-25% for each claim free year except for Family Package Plan
5% for online purchase
Pre Policy Medical Check UpMandatory for persons above 50 years of age at cost of the company
Policy TerminationEither of insurance cpmpany or policyholder may terminate the policy by giving a 30 day notice.
Customer ServiceStar Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034.
Customer Service 
Mail to[email protected], [email protected]
Call to1800 425 2255/ / 044 2826 3300
SMSSTAR to 56677
Additions to the Plan
Scope Of Cover
Cashless facilityAvailable at empanelled hospitals in India
Re-imbursementAvailable at non empanelled network of hospitals
Pre hospitalisationCovered; upto maximum of 30 days prior to hospitalisation
Post Hospitalisationlumpsum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs.5,000
In-patient hospitalisationCovered
Room rent, boarding2% 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 drugsCovered
Emergency AmbulanceRs 750 per hospitalisation upto maximum of Rs 1500 per policy period
Non Allopathic TreatmentCovered upto maximum of 25% of Sum Insured subject to a maximum of Rs 25000 per policy year
Optional Cover (payment of additional premium required)
Hospital CashRs 500 per day; maximum Rs 1500 per hospitalisation; maximum Rs 3000 per policy year
Patient Care (for persons above 65 years of age)Pays attendant charges after discharge @ Rs 400 per day upto maximum of 5 days per hospitalisation
New born baby (upto 5 months)Covered for 10% of Sum Insured in respect of mother
Exclusions and Waiting Period
Pre existing diseasesAny pre-existing disease will be covered after 4 years
No claim periodAny disease contracted during the first 30 days of commencement of the policy
New Born Baby CoverPost natal and immunization expenses
Waiting Period2 days for Patient CareCertain diseases such as hernia, piles, sinusitis etc shall be covered after a waiting period of 1 year.Certain diseases such as Cataract, treatment of joints unless caused by an accident, varicose veins etc will be covered after 2 years
General ExclusionsNaturopathy treatmentCosmetic, beauty or slimming treatment
Annual Premium Option for Individual
Age (in years)Sum Insured (in Rs)
1.50 lakh2 lakh3 lakh4 lakh5 lakh10 lakh
Zone 1: Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
5mnts-35251030304400491554507800
36-45251032604650555061458200
46-5037705120766589501070013600
51-554495611011365126901400018384
56-606200775013750155351677522910
61-657900985014350200002443028900
Renewals Only
66-70118001400520000268003468034755
71-75133001733024350315253870041615
76-80168002230032270424205254058250
Above 80218402899041950551406830075725
Zone 2: Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
5mths-35251028804000451550807465
36-45251031754535521058707965
46-5037704775720087001070013265
51-554495590011115123351355517875
56-606200735013200150001587521440
61-657900955014000196002400028200
Renewals Only
66-70118001350019600262003384034200
71-75133001695023800310003810040800
76-80168002200031900419005190057600
Above 80218402860041470544706747074880
Figures are indicative; premium for appropriate sum assured for each age band excluding service tax
Premium discount on group policies
Group Size% of discount on Premium (excluding add-on covers & service tax)
Upto 500 personsNIL
501-10000.025
1001-30000.05
3001-70000.075
7001-100000.1
> 100000.12
Premium for Optional Cover
Benefit Premium (R)
Hospital Cash200 - 350 per person
Patient Care300 per person
New born baby10% of policy premium