Star Medi Classic Insurance Policy (Individual)

 



Star Medi Classic Insurance Policy (Individual):

The Star medi classic insurance policy  is a comprehensive health insurance plan that provides a cover against a range of medical expenses. The policy also covers non-allopathic treatments. Further, with this policy, the insured individual can also purchase add-ons plans that will provide him/her a more enhanced level of protection.

Entry Age5 months to 65 years; only renewals allowed after 65 years Family plan- 5 months to 45 years
Medical ScreeningRequired for customers above 50 years at authorised centres
Co-payment10% of all claims for insured members above 60 years
Policy Period1 year or 2 years
Discounts5% discount can be availed upon paying premiums in advance for 2 full policy years
Sum InsuredIndividuals: Rs.1.5 lakhs to Rs.15 lakhs;Family Package Plan: Rs.2lakhs or 3 lakhs
Annual Premium Charges Individuals  Family Package Plan

Individual Plan: Rs.2,510 to Rs.88,170, varies based on the sum insured, age, and zone

Family Plan: Rs.4,460 to Rs.7,805, varies based on the sum insured, age, and family size i.e. 2 adults or 2 adults with 1 child or 2 adults with 2 children

Two-Year Premium Charges: Individuals Family Package Plan

Individual Plan: Rs.4,769 to Rs.1,67,523, varies based on the sum insured, age, and zone

Family Plan: Rs.8,474 to Rs.14,83, varies based on the sum insured, age, and family size

Reinstatement of sum assuredAutomatic restoration of the sum insured, up to 200%
Bonus5% - 25% of basic sum assured for every year following one in which no claim is made
CoversNon-allopathic treatment, Pre-existing diseases, Pre and Post- hospitalization expenses, Day-care treatment, Health-Check Expenses
Optional CoversHospital Cash: Extra premium Rs.350 (annual); Rs.665 (two-year); Patient Care: Extra premium Rs.580 (annual); Rs.1,102 (two-year); New-Born Baby Cover (only under Family Package Plan): Extra premium = 10% of the premium applicable in the year of birth

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