STAR HEALTH MEDICLASSIC for individuals

MEDI CLASSIC HEALTH INSURANCE FOR INDIVIDUALS

Hospitalization cover: In-patient hospitalization expenses for a minimum of 24 hours. Includes room rent and boarding @2% of sum insured subject to a maximum of Rs.5000/- per day.
Nursing expenses are covered.
Insurance covers Surgeon's fees, consultant fees, Medical Practitioner, Anaesthetist's and Specialist's ees.
Anesthesia, Blood, Oxygen, Operation theatre charges, cost of Pacemaker etc.
Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
Hospital Cover: In-patient hospitalization expenses for a minimum of 24 hours
Pre-existing Disease
Pre existing diseases are covered after 48 months of continuous insurance with the any Indian Insurance Company.
Pre Hospitalization
pre-hospitalization medical expenses up to 30 days prior to the date of admission in the hospital.
Post Hospitalization
post-hospitalization medical expenses up to 60 days after discharge from the hospital. The amount payable shall not exceed the sum calculated at 7% of the hospitalization expenses (excluding room charges) subject to a maximum of Rs. 5,000/-
Day Care Treatment
101 day care treatments are allowed.
Non Allopathic Treatments Covered up to 25% of the sum insured subject to a maximum 0f Rs. 25,000/- per policy period

STAR HEALTH INSURANCE FAMILY COVER PLAN

Family Health Optima Insurance Plan

• Single policy, wider coverage for whole family at an affordable premium.
• Get extra sum insured (auto recharge) at no extra cost, up to 30%  of sum insured.
• Health Checkup costs up to Rs.5,000/- for every block of 3 years of policy coverage.
• Automatic restoration of entire Sum insured by 100%.
• New-born baby cover from 16th day.
• Donor expenses for organ transplantation.
• Domiciliary Hospitalization Expenses for treatment exceeding 3 days.
• Cover for over 400 day care procedures.

Recharge Benefit

Recharge Benefit:
This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy.

More than 400 Day Care procedures

Expenses incurred towards cost of Health Check up

Coverage for New born Baby

Coverage for Domiciliary hospitalization treatments

Donor expenses for organ transplantation

Bonus:
Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced.

Automatic Restoration of Sum Insured:
Immediately upon exhaustion of the limit of coverage during the policy period, there shall be an automatic restoration of the basic sum insured by 100% where the sum insured is Rs.3,00,000/- and above.

Policy Benefits:

• Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges.
• Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
• Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs.1500/- per policy period.
• Pre Hospitalisation expenses upto 60 days prior to admission in the hospital.
• Post Hospitalisation expenses upto 90 days after discharge from the hospital.