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Mediclassic Insurance Plan: Features, Benefits, Review

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Main Highlight of the plan

This plan has different sum insured for different geographical region. This plan provides coverage for expenses on pre and post hospitalization, health check-up benefit, etc.

Scope of cover

Star Health & Allied Insurance Mediclassic Insurance Plan

Coverage: Benefits & Features Most Important

ROOM RENT/ ROOM CATEGORY

This plan covers room expenses up to 2% of sum insured for a maximum of INR 5000 per day.

CO-PAYMENT

This plan has age based co-pay equal to 10% of claimable expenses for individuals above 60 years of age.

NO-CLAIM BENEFITS

In this plan no-claim bonus equal to 5% of basic sum insured up to a maximum of 25% is available for each unclaimed year. However, the cumulative bonus is reduced by 5% of sum insured once a claim is made.

Note: After any claim, only the cumulative bonus would be reduced at the time of renewal. However, the basic sum insured will not be affected.

SUB-LIMITS

In this plan sub limit of 80% of sum insured is applicable for package treatments.

Good to have

PRE/POST HOSPITALIZATION

30 days of pre-hospitalization and 60 days of post hospitalization are provided in this plan. However, the post hospitalization expense will be limited up to 7% of hospitalization expense or a maximum of INR 5000.

Note: For an individual above age 60 years covered under this health insurance policy, special daily cash allowance up to INR 400 per day post discharge for a maximum 5 days per occurrence and 14 days per policy period is provided in this plan.

For package treatments post hospitalization expenses would be covered up to INR 5000 per day.

RESTORE BENEFITS

The individual plan has restore benefit equal to 200% of the sum insured during a policy period.

Note: Family Package plan does not have restore benefit.

HEALTH CHECK-UP

This plan offers health check-up benefit equal to 1% of the sum insured up to a maximum of INR 5,000 for sum insured above 2,00,000 and above after every 4 claim free years.

Note: In case of Family Package Plan, the health check-up benefit will be available only to individuals covered under the Star Health & Allied Insurance policy and who have not claimed.

Value Adds

AMBULANCE CHARGES

This plan provides coverage for ambulance expense in the range of INR 750 per hospitalization to a maximum of INR 1500 per policy period.

EYE COVER

This plan does not cover expenses for eye treatments.

DOMICILIARY HOSPITALIZATION

This plan does not cover domiciliary treatment expenses.

OUTPATIENT BENEFITS

This plan does not cover out-patient treatment expenses.

CRITICAL ILLNESS COVERAGE

This plan does not have an additional cover for critical illnesses.

ALTERNATIVE PRACTICE

This plan covers alternative medical practices up to 25% of sum insured for a maximum of up to INR 25,000 per policy period.

DENTAL COVER

This plan does not cover expenses on dental treatments.

DAILY CASH

This plan provides daily cash allowance of INR 1000 per day for a maximum of 7 days per hospitalization and 14 days per policy period.

ORGAN DONOR COVER

This plan does not cover expenses for organ donor.

CONVALESCENCE BENEFIT

This plan does not have any convalescence benefit.

MATERNITY COVER

This plan does not cover maternity expenses.

Exclusions

A cooling off period of 30 days is applicable on buying a policy for the first year. No claims (other than claims related to an accident) can be made in this cooling off period. There is no cooling off period applicable on renewal of this policy. Waiting period of 2 years is applicable for specified ailments. Refer to the policy wordings for the list of these specified ailments. Waiting period of 4 years is applicable for pre-existing diseases.

PERMANENT EXCLUSIONS

Cosmetic surgery, Lasik eye treatments, drugs or alcohol abuse, genetic disorders, self inflicted injuries, war related injuries, etc are some of the permanent exclusions. For the detailed list of please refer the policy document.

Talk to an expert

Health plans starting at Rs 6 / day

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Aniket Thakker
Written by Aniket Thakker
He lives off TV shows, movies, junk food, comics and sarcasm. When he is not working as a freelance imaginary friend to other beings like him, he works as VP of Marketing at Coverfox.

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