Star Health & Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited (Star Health) is a joint venture between Oman Insurance Company, ETA Ascon Group and a number of insurance veterans in the country. Star Health has chosen to be in the field of health insurance and was the first stand-alone health insurance company in India. It offers a wide range of health insurance services and related products at affordable prices, dealing in personal accident, Mediclaim, and overseas travel insurance.

Plan Name
Medi classic
Coverage:
Hospitalisation Cover : In-patient hospitalisation 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, Anaesthetist's and Specialist's fees, Cost of medicines and drugs, Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period.
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, FirstYearExclusions: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.
Coverage of Existing disease: All pre existing diseases are covered after 5 consecutive policy years.
Pre Hospitalization Expenses Coverage Period: Covered for medical expenses incurred 30 days prior to hospitalization.
Post Hospitalization Expenses Coverage Period: Covered for 7% of the hospitalization expenses, subject to a maximum of Rs.5000/-
Cumulative Bonus: On sum assured of 5% for every claim free year to a maximum of 25%
Cashless: Access to over 4000 hospitals thus managing your expenses and providing hassle-free transactions.
Domiciliary Treatment: Not covered.
Claim Filing Time: TPA need to be informed within 15 days of discharge from nursing home/ hospital.
Cancellation Of Policy: By sending a notice of 30 days by registered post at the insured last known address.