Star Health Medi Classic



Star Health Medi Classic Insurance Plan


Star Health Medi Classic 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.


Key Features of Star Health Medi Classic Insurance Plan


  • Specially designed to cover accidental injury
  • Extensive coverage till the age of 80 years
  • No Claim bonus of 2 - 5% is available for family packages for every zero-claim year



What is covered in Star Health Medi Classic Insurance Policy?


  • Covers expenses incurred as In-patient hospitalisation, that is, when admitted for a minimum of 24 hours. This category includes the room rent and boarding up to a maximum of Rs.4000/- per day
  • Other coverage include nursing expenses, fees for surgeon, consultant, anaesthetist and specialist
  • Provides for the cost of medicines and drugs
  • Charges incurred for emergency ambulance for transporting the insured patient to the hospital
  • Expenses incurred within 30 days prior to the date of admission in hospital / nursing home
  • Expenses incurred after being discharged from the hospital, subject to a maximum of Rs. 5000



Additional Benefits of Star Health Medi Classic Insurance Policy


  • Hospital Cash - This benefit offers cash reimbursement of Rs.500 for each completed day of hospitalisation. This benefit is applicable only if the insured person is hospitalised.
  • Patient Care - This add-on cover compensates for the attendant charges incurred by the insured after being discharged from the hospital. However this is subject to the physician’s approval of keeping an attendant 
  • New Born Baby Cover - This rider provides for expenses incurred on a new-born baby from birth up to 5 months. After five months, the baby can be covered as a regular person. Please note that this cover does not cover for post-natal and immunization expenses. Also, this is available only in case of a family floater policy.



Eligibility and Restrictions of Star Health Medi Classic Insurance Plan





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)

5 months

80 years

45 years for SA=Rs 10,00,000

Renewable till Age (in years)


80 years

65 years for SA=Rs 10,00,000



Family floater policy will cover


  • An individual and/or his spouse
  • Two dependent children till they attain the age of 25



Tax Benefits in Star Health Medi Classic Insurance Plan


Premiums paid for health insurance policies are exempted from taxable income up to Rs. 15,000 for individuals and Rs 20,000 for senior citizens.



Exclusions - What is not covered in Star Health Medi Classic Insurance Plan?


  • Any treatment undergone by the insured person during the first 30 days from the commencement date of the policy except done due to some accident
  • Certain diseases and illnesses are exempted for the first two policy years, for example, cataract, replacement surgery for knee and/or joint and varicose ulcers
  • Certain illnesses are exempted for the first policy year such as congenital internal disease/defects, hernia, Benign Prostate Hydrocele, Hypertrophy, piles, fistula in anus, sinusitis and related disorders, removal of gallstones and renal stone
  • Naturopathy treatment
  • Purely diagnostic expenses where there is no positive confirmation of existence of the disease
  • Expenses incurred on external Congenital disease / defects / anomalies
  • Expenses which are mainly cosmetic in nature



Alternate Accidental Insurance Plans from other insurance companies


New India Insurance Personal Accident Plan

Tata AIG Accident Guard Plan

Bajaj Allianz Personal Guard Plan



Other Health plans from Star Health Insurance


Star Family Health Optima Insurance

Star Health Gain Insurance

Star Health Super Surplus

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the Star Health Medi Classic brochure and insurance company's website. It should not be construed as a Critical or Favourable Star Health Medi Classic Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

Leave a Comment

sir, i had star health mediclassic policy to continue last 3 yrs, but i dont claim anythig. but to this year policy renewal coming dec.1 . but the cost of amount is too much of last month. it is not satisfy about me. iit is too mch of amount to middle class family, please reduce the policy amount. thanking u

By Ramesh Kumar on Nov 21, 2013 Reply

Hi Ramesh, not much can be done about it as they would have their underwriting norms linked and hence the pricing.

One way is to see if there are other plans which are good and less expensive. You can then port out of the plan if needed.

Replied By Deepak Yohannan (MIC Staff) on Nov 22, 2013 Reply


By Rajinder Barmi on Oct 07, 2013 Reply

Hi Rajinder, there are quite a few companies who offer life long renewability today. Some of my suggestions would be as follows:

Apollo Munich Optima Restore

Max Bupa Hearbeat Plan

ICICI Lombard Complete Health Insurance

Star Comprehensive Health Plan

These are companies with a good track record. Do let us know if you have any preference?

Replied By Deepak Yohannan (MIC Staff) on Oct 16, 2013 Reply

Hi, I am santosh from navi mumbai. I want to take medical insurance policy for self and my spouce. My age is 31 and wife is 27. Please tell me which is best policy for us. Policy should be included with cashless facility.

By Santosh Junghare on Jun 28, 2013 Reply

Dear Santosh, great that you are looking at taking health plan for your family. Your criteria for cashless hospitalisation is a good one. However this is something you would have to check first. Identify the hospitals close to your house which you are most likely to visit. Now check if the plan being chosen by you has that hospital in the list. Or just go to those hospitals on some free day and check the tie-ups with the insurers which they have.

For selecting the best plan, you would need to check the features of the plans which you want to shorlist. Please visit our health insurance comparison page as a starting point. Choose a plan which suits your budget also. You have offerings from a large number of companies. Do come back if you have more questions.

Replied By Admin (MIC Staff) on Jul 08, 2013 Reply

I am 38 years old and my wife and daughter are 37 & 1 year respectively. I am interested in taking those health policy which cover the existing decease also.

By Rajnish Ranjan on Apr 11, 2013 Reply

Hi Rajnish, no insurance company would cover pre-existing diseases from day 1 - that way the concept of insurance will never work for anyone. Most insurance companies have a 3 to 4 year waiting period. There is Star Unique Health plan which offers to cover some of the existing diseases after a waiting period of 11 months. Read more about it at the link below:

Replied By Admin (MIC Staff) on Apr 12, 2013 Reply

I am 59 year old. I am looking for a suitable medical insurance. Pl. suggest

By Kk Sasidharan on Feb 16, 2013 Reply

i need a policy wich can cover pregnancy n gynae related problem?plz suggest

By Manu on Feb 14, 2013 Reply

Hi i need a health policy which can cover all health illnesses and accidents for my self and my family. if I did not claim any medical expenses, how much % of return in addition with premium amount. so kindly suggest me which policy is the best to choose.

By Narasimha Rao Doddi on Feb 13, 2013 Reply

I wish to know more about this plan. What will be the premium amount of myself aged 40 years, my wife 39 and my son 2.5 years?

By Rajatendra Nath Ghose on Nov 24, 2012 Reply

hai i am shareef i want full cover meadical inssurance family pakage 2+1chiled pls send me your all detailes............

By Mohamed Shareef Karuveettill on Nov 19, 2012 Reply

my wife aged 49 yrs is otherwise in good health but i want a health/medicalim/insurance policy
which covers general health including opd charges and almost all sickness - i mean-comprensive cover- is there any?

By Tulshamir on Jul 19, 2012 Reply

please let me know a single medical policy that cover my wife and my parents of age 62 year for my father and 57 for my mother for 5 lack

By Nataraja Mc on Apr 23, 2012 Reply

This is way more helpful than anything else I've lokoed at.

By Terry on Feb 15, 2012 Reply

I need a health Insurance for my mother who is 55 yrs old now . Kindly suggest which is the best health policy

By Preseena on Dec 24, 2011 Reply

I need a health Insurance cover kidney related deceases. Kindly suggest to take a best helath policy

By Naresh on Dec 23, 2011 Reply

How is the star health company repuatation in the market
How is their response


By Uday Patel on Dec 19, 2011 Reply

Hi, I want a best health insurance plan for my mother and my family also including me if any suggestion please tell me

By Kanchit on Dec 13, 2011 Reply


I need a health Insurance for my family include ME and my MoM up 3 to 5 Lakhs coverage and include Cancer and Kidney related deceases. Kindly suggest to take a best helath policy

Srikanth P

By Srikanth P on Dec 12, 2011 Reply

Hi, I am Jaglochini. My age is 53 years. I have undergone Brain Tumor from AIIMS four months back. I just want to know whether I can avail the Insurance policy from you or not?
In case I can enroll myself in Star Insurance Plan, then what all are the conditions. Request you to please give me the details of the same.

By Jaglochini Garg on Nov 20, 2011 Reply

hi sir/mam

i am 24 years an i want to health indurance policy for my family in my family included mom and dad and me pls send me proper information if
and cash policy available pls send that info also


By Kamlakar on Nov 18, 2011 Reply

I wanted to go for Family floater plan.My age is 41,wife'age is 28 and son's age is 5.
Please tell me the yearly premium for Rs.2 lakh's coverage.


By Venugopal on Nov 18, 2011 Reply

I am 47,wife is 45,elder son 16,younger son 11,daughter 23.
I am diabitic type-11, sinne last 3-4 years,I am working in Punjab Natioanal bankas Dy Manager.
I am intersdte in a best healt plan for family upto 5-7 lac,and coverd all the illness fector,pre and diognozed at any time of emergency/consaltation.
please provide deatais as required if any on my email id.
Thaning You
Your's Faithfully


By J C Wadia on Nov 18, 2011 Reply

Dear Sir,
Have you any trems plan with your co.

By Ajay Kumar on Nov 16, 2011 Reply

Dear sir
Im 39yrs my wife 34 having 1 kids 7 yr ,plz tell me annual permium

By Ajay Kumar on Nov 16, 2011 Reply

Dear sir
Im 36 yrs my wife 32 having 1 kids 5 yr ,plz tell me annual permium

By Arumugam on Nov 03, 2011 Reply

This is Kaushik Dey, staying at kolkata . I would like to purchase a mediclaim policy . My age is 37 yrs, my mother 57, wife 34 yrs, and daughter 9 , son 2 yrs.
Please guide me what to do.

By Kaushik Dey on Oct 31, 2011 Reply

I would like to know which diseases not covered in any policy and why in Star Health Insurance? If i am aware for my health and thing to avail Health Insurance Policy than i should must know that the Insurance company if any diseases not covered. And why? Plz reply.

By Sanjay Chiplunkar on Oct 29, 2011 Reply

Dear sir
Im 43 yrs my wife 35 having 2 kids 11 yr and 3.5yrsrespectively,plz tell me annual permium

By Raendra Rokade on Oct 19, 2011 Reply

Please let me know about the health policy for me and wife aged 57 and 49.I am diabetic and done by pass surgery.
thanking you

By M.Mohanachandran on Oct 09, 2011 Reply

I need a policy which can cover pregnancy benefit for my wife also?
please suggest on this

By Ramprasad K on Sep 28, 2011 Reply

good policy & less primum............go for it

By Arfat on Sep 17, 2011 Reply

My parents are about 75 years and earning around Rs 3.00lakh p.a can they buy any medicalim ploicy of your Co.

By Saurabh on Aug 04, 2011 Reply

dear sir,
i have gold policy -i have sum insured of rs.175000/-. my wife has been sufferd from brest cancer. how much amount cover and i have claim under these gold polciy. i have individual sum insured of rs.175000/-. let us know through my mail id as per given above.

expecting and extending co operation.


By Vijay P Shah on Jul 12, 2011 Reply

buy online

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