Star Health MediClassic Insurance is a comprehensive health insurance policy which covers medical expenses incurred by a person due to any illness, disease, sickness, injury or accidents. Personal or car accidental injuries are covered under this plan. Any resident of India aged between 16th day to 65 years is eligible to take this policy under Gold Plan.
Star Health - Mediclassic Insurance Policy - Gold Plan
| # | Product Name | Mediclassic Insurance Policy - Gold Plan |
|---|---|---|
| 1 | Sum Insured options | 3/4/5/10/15/20/25 Lacs |
| 2 | People to be covered | Any person |
| 3 | Entry Age | 16th day to 65 years |
| 4 | Medical Test Required | No Medical test upto the age of 50 years |
| 5 | Policy Period | 1 Year |
| 6 | Renewable upto | Lifetime |
| 7 | Pre and Post Hospitalisation | 60 Days Pre Hospitalization & 90 Days Post Hospitalization |
| 8 | Room Rent Limit on Per Day Basis | 2% of SI 3L, Max 5000 for SI 4L, Single Standard AC Room for 5 to 25L |
| 9 | Sub Limits on ICU Rent | Actuals (No Sublimit) |
| 10 | Day Care Proceedure | All Day care |
| 11 | Road Ambulance Cover | Upto 2000 Per Hospitalization |
| 12 | Organ Donor Expenses | Upto sum insured under gold plan |
| 13 | Waiting Period (Days) | 30 Days (other than accidents) |
| 14 | Waiting Period for specified Illnesses | 2 Years |
| 15 | Waiting Period for Pre-existing Illnesses | 4 Years |
| 16 | Restore Benefit | Automatic restoration of entire Sum insured by 200% in case it is exhausted fully during the policy, Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization |
| 17 | Annual Health Check Up | Yes, Every Year upto specific amount for every claim free year |
| 18 | No Claim Bonus | 25% of basic sum insured in the second year and additional 20% of the basic sum insured for each subsequent years subject to a maximum of 100% overall. |
| 19 | AYUSH Treatment | Up to 25% of Sum Insured subject to a maximum of Rs 25000/- |
| 20 | Domiciliary Hospitalization | Yes, Coverage for medical treatment for a period exceeding three days |