The world of today is fraught with dangers and
difficulties. Everyday we pray for the good health of our
family and self. In such a scenario, HEALTH has assumed
great significance and we, at STAR, have taken the lead
to provide world-class service for insurances of Health
and Health-related risks.
The MEDI Classic Insurance policy aims to provide
reimbursement of hospitalisation expenses incurred as a
result of illness / disease / sickness and / or accidental
injuries.
THE COMPANY:
STAR is an exclusive Health Insurance Company. Being
the first of its kind in India, the company is committed to
setting international benchmarks in service and
personal caring.
OUR VISION:
• “PROTECTING HEALTH – PROMOTING HEALTH”.
OUR MISSION:
• Ultimate Customer Satisfaction
OUR EXCLUSIVITY
• Cash less service without TPA intervention - the USP
for the Company.Direct tie-up with hospitals on an All
India basis.
• 24 Hours General Practitioner advice and medical
counseling.
• 24 x 7 In-house Call center.
• Toll free Telephone line assistance.
• Fully knowledge backed website to offer medical
information, including health tips.
WHO CAN BENEFIT FROM THIS POLICY?
• Persons within the age 5 months to 80 years subject
to conditions. Family Package Plan for members
from 5 months to 45 years.
How to avail the benefits under this policy:
• Call 24 hour help-line for assistance.
• Inform ID number for easy reference.
• For planned hospitalisation, please inform 24 hours
prior to admission to the hospital.
• For emergency hospitalisation, information to be
given within 24 hours after hospitalisation.
• Cashless facility can be availed at all network
hospitals.
• F o r t re a t m e n t i n n o n - n e t w o r k h o s p i ta l s ,
reimbursement of expenses will be effected on
submission of all medical documents.
How to buy this insurance:
• Contact our marketing executive at:
OTHER STAR PRODUCTS AVAILABLE :
• Overseas Travel Insurance.
• Health Insurance with Major illness
coverage.
• Student care (for Schools and Colleges)
• Personal Accident Insurance.
• Accident Care Insurance.
• Hospitalisation Insurance.
• Micro Health (medical) Insurance for
Rural Populations.
• We also provide customized solutions to
corporates in Health & P.A. Insurance.
Personal and Caring
Star Health and Allied Insurance Co. Ltd.
Regd. & Corporate Office:
1, New Tank Street, Valluvar Kottam High Road,
Nungambakkam, Chennai - 600 034.
www.starhealth.in
Personal and Caring
Acceptance of any proposal is solely at the option of the company.
THE BENEFITS OUR SCHEMES CAN THIS POLICY BE TAKEN BY A GROUP ?
• Hospitalisation cover - In-patient hospitalisation Sum Insured (Rs) • Yes, and all Group Policies are even eligible for a
expenses for a minimum of 24 hours. Includes room rent & Age discount on the basic premium as per the following
50, 000 1 lakh 1.5 lacs 2 lacs 2.5 lacs 3 lacs 3.5 lacs 4 lacs 5 lacs
boarding @ 2% of Sum Insured subject to a maximum of â scale (based on the group size).
Rs. 4,000/- per day. 5month
to 575 1200 1800 2350 2800 3300 3750 4200 4900
35 years Group Size Discount on
• Nursing expenses. Basic Premium
36 years
to 700 1350 2000 2600 3150 3650 4150 4500 5400 Upto 500 persons NIL
• Surgeon's fees. Consultant's fees. Anaesthetist's fees. 45 years 501-1000 2.5%
46 years 1001-3000 5.0%
• Cost of blood, oxgyen, diagnostic expenses, cost of pace- to 1320 2447 3400 4583 5548 6170 7408 8700 10700 3001-7000 7.5%
55 years
makers. 7001-10000 10.0%
56 years
to NA 3000 4200 5300 7200 8200 10196 11451 13958 >10000 12.0%
• Cost of medicines and drugs. 65 years
66 years TAX BENEFIT:
• Emergency ambulance charges for transporting the to NA 4547 6717 8768 10696 12625 14434 16242 19859
insured patient to the hospital @ Rs. 750/- per 70 years • Premium paid by cheque upto Rs. 10,000/- is eligible
hospitalisation and Rs. 1500/- per policy period. 71 years for relief as provided under Section 80-D of the Income
to NA 4872 7284 9574 11744 13914 15964 18015 22113 Tax Act.
75 years
• Pre-hospitalisation medical expenses upto 30 days prior
76 years
to date of admission into the hospital. to NA 6029 9284 12420 15433 18449 21341 24236 30023
80 years WHAT CANNOT BE CLAIMED:
• A lump-sum calculated at 7% of the hospitalisation • Expenses incurred for treatment of any illness / disease /
expenses payable towards post-hospitalisation, condition, which is pre-existing at the time of
subject to a maximum of Rs. 5000/- per occurrence as commencement of insurance.
per the policy.

• Non-allopathic treatments upto Rs. 25,000/- per • Any expenses incurred for treatment of illness / disease /
occurrence, subject to a maximum of 25% of Sum sickness contracted by the Insured Person during the first
Insured per policy period.
30 days from the commencement of the policy.
• No claim Discount ranging from 5% to 25% for every
claim-free year (except Family Package). • First Year Exclusions - Hernia, Piles, Hydrocele, Congenital
Internal disease / defect, Sinusitis, Gall Stone / Renal
OPTIONAL BENEFITS ON PAYMENT OF ADDITIONAL PREMIUM Stone removal / treatment, and Benign Prostrate
Hypertrophy.
• Hospital Cash-Provides for payment of Rs. 500/- for each
completed day of hospitalisation. Premium ranging from
Rs. 200 to 350 per person, depending upon the age. • Two Years Exclusions - Hysterectomy, Cataract, Joint /
Family Package: Age 5 months to 45 years Knee replacement surgery (other than caused by an
• Patient Care - Available for persons above 65 years .It accident), Prolapsed Intervertibral Disc. Varicose veins /
Details Rs. 200000* Rs. 300000*
pays for the attendant charges after discharge from the
2 Adults 2348 3400 ulcers.
hospital @ Rs. 400/- per day up to a maximum 5 days per
hospitalisation. Premium Rs. 300/- per person. 2 Adults + 1 Child 2238 3825
• Naturopathy treatment.Expenses, which are purely
• New Born Baby cover - Available with Family Package 2 Adults + 2 Children 2320 4080
diagnostic in nature with no positive existence of any
Plan and provides for your New - Born from birth upto the 1 Adult + 1 Child 2168 3230 disease.
expiry of the policy period. The Sum insured is restricted to
10% of the sum insured in respect of the mother. Premium 1 Adult + 2 Child 2206 3280
10% of policy premium. * SI Equally apportioned among Insured family members • Expenses that are mainly cosmetic in nature.