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Star Medi Classic

Eligibility  
Entry Age (years)  
Minimum 5 months
Maximum 80 (65 for Rs 10 lakh Sum Insured)
Maximum Policy Renewal Age (years) 80 (65 for Rs 10 lakh Sum Insured)
Sum Insured (Rs)  
Maximum 10 lakh
Minimum 50000
Policy Term (years) 1
Tax Benefit Premium paid is eligible for tax benefit under section 80D of the Income Tax Act
Discount 5-25% for each claim free year except for Family Package Plan
5% for online purchase
Pre Policy Medical Check Up Mandatory for persons above 50 years of age at cost of the company
Policy Termination Either of insurance cpmpany or policyholder may terminate the policy by giving a 30 day notice.
Customer Service Star 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 to 1800 425 2255/ / 044 2826 3300
SMS STAR to 56677
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