There are varieties of health insurance plans avilable in the market, specially designed according to the customer needs for health care service. Star Medi Classic is a health insurance which is specially designed to provide reimbursement of hospitalization expenses for any sickness and accidental injuries.
This policy provides reimbursement of in-patient hospitalization expenses for a more than 24 hours of hospitalization. It includes room rent and boarding expenses, subject to a maximum of Rs. 4000/- per day. It also includes doctors fees, surgeon fees, specialist fees, anesthetists fees, operation theatre charges, cost of medicines and drugs, blood, oxygen, etc.
In case of emergency, ambulance charges are covered for transporting the insured person from residence to hospital. It is up to Rs.750/- per hospitalization and overall limit is Rs.1500/- per policy period.
The pre-hospitalization expenses are covered up to 30 days before hospitalization and for post hospitalization, a lump sum calculated at 7% of the hospitalization, subject to a maximum of Rs.5000/-. It also covers non-allopathic treatments up to Rs.25,000/- per case, subject to a maximum of 25% of sum insured per policy period.
Star Medi Classic offers optional benefits on payment on additional premium. The optional benefit includes daily hospital cash, patient care, new born baby cover, etc.
The policy offers cashless hospitalization facility at over more than 4600 network hospitals across India. It also provides no claim discount ranging from 5% to 25% for every claim free eyar. The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.
Any persons aged between 5 months and 80 years is eligible for this insurance. The sum insured ranges are Rs.50,000/-, Rs.1,00,000/-, Rs.1,50,000/-, Rs.2,00,000/-, Rs.2,50,000/-, Rs.3,00,000/-, Rs.3,50,000/-, Rs.4,00,000/-, Rs.5,00,000/- and Rs.10,00,000/-. The policy can be taken on individual basis and for family. It is also avilable for groups.