Loading on premium

Cancellation: The Company may at any time cancel this Policy

on grounds of misrepresentation/fraud/non disclosure of
material fact or non cooperation by the insured by sending 30
days notice by registered letter at the insured's last known
address and in such event the Company shall refund to the
Insured a pro-rata premium for unexpired period of Insurance
subject to there being no claim. The insured may at any time
cancel this Policy and in such event the Company shall allow
refund of Premium at Company's short period rate only (table
given here below) provided no claim has occurred up to the
date of cancellation.

Exceeding six months

Medi Classic

A grace period of 15 days from the date of expiry of the policy is

available for renewal. If renewal is made within this 15 day
period the continuity of benefits will be allowed. However the
actual period of cover will start only from the date of payment
of premium. In other words no protection is available between
the policy expiry date and the date of payment of premium for
renewal.

The Company
Star Health and Allied Insurance Co. Ltd., is a joint venture
between Oman Insurance Company, UAE and leading NRIs and
Indian business men/houses. It has a capital base of INR 388
crores that far exceeds the requirement to form a full-fledged
general insurance company. As an exclusive Health Insurance
Company and the first of its kind in India, the Company is
committed to setting international benchmarks in service and
personal caring.
Star Advantages
No Third Party Administrator, direct in-house claims
settlement.
Faster & hassle-free claim settlement.
Cashless hospitalization wherever possible.
Network of more than 4900 hospitals across India.
Free expert medical consultation over phone.
24 x 7 Toll Free Helpline.
Information on health through free health magazine.

Plan health
the easy way.

To Buy This Insurance

Contact our Marketing Executive.

Full annual premium

Claims Procedure
Call the 24 hour help-line for assistance 1800 425 2255
Inform the ID/Policy number for easy reference
In case of planned hospitalization inform 24 hours prior to
admission in the hospital
In case of emergency hospitalization information to be
given within 24 hours after hospitalization
Cashless facility wherever possible in network hospitals
In non-network hospitals payment must be made up-front
and then reimbursement will be effected on submission of
documents

Buy this insurance online at www.starhealth.in

Call toll-free: 1800-425-2255 or 044-2826 3300
Fax toll-free: 1800-425-5522
sms STAR to 56677
or E-mail: info@starhealth.in

08/2011

Personal & Caring

Health
Insurance

The Health Insurance Specialist

STAR HEALTH AND ALLIED INSURANCE CO. LIMITED,

No. 1, New Tank Street, Valluvarkottam High Road,
Nungambakkam, Chennai - 34. Ph: 044-28288800

Personal & Caring

Health
Insurance

The Health Insurance Specialist

STAR
MEDI Classic Insurance Plan
The comforts and luxuries of today's life come at a price the
price of uncertainities. Of the uncertainities, health of
oneself and one's family is of prime concern. Added to this,
the fact that medical expenses are getting dearer. One
ailment is all it takes to wipe out years of savings that was
meant to realize your dreams.
Medi Classic Insurance from Star Health is a policy that aims
to provide reimbursement of hospitalisation expenses
incurred as a result of illness/disease/sickness and/or
accidental injuries, so that you can keep your dreams alive.
Policy Benefits
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.4,000/- per day.
Nursing Expenses.
Surgeon's fees, consultant's fees, Anaesthetist's and
Specialist's fees,
Cost of medicines and drugs
Emergency ambulance charges for transporting the
insured patient to the hospital upto a sum of Rs.750/per hospitalization and overall limit of Rs.1500/- per
policy period.
n

Optional benefits on payment of additional premium

Hospital Cash: Provides for payment of Rs 500/- for each
completed day of hospitalization. Premium ranging from
Rs 200/- to Rs 350/- per person, depending upon the age.
Patient-Care: Available for persons above 65 years. It pays
for the attendant charges after discharge from the
hospital @ Rs 400/- per day to a maximum of 5 days per
hospitalization. Premium Rs 300/- per person.
New-Born baby Cover: Available with Family Package Plan
only and provides for your new-born from birth up to the
expiry of the policy period. The sum insured is restricted
to 10% of the mothers Sum insured. Premium 10% of
policy premium.

For Groups

1001-3000
3001-7000
7001-10000
>10000

Eligibility
Any person aged between 5 months and 80 years,
residing in India, can take this insurance.

5.0%
7.5%
10.0%
12.0%

Tax Benefits
Payment of premium by any mode other than cash for
insurance is eligible for relief under section 80D of the Income
Tax Act.

Exclusions
1. All expenses incurred in connection with treatment of any
disease/illness/condition which is pre-existing at the time of
commencement of insurance.

Policy Premium in Rs. (Service Tax Extra)

2. Treatment of disease/sickness/illness contracted by the Insured

Person during the first 30 days from the commencement date of
the policy.

3. Expense incurred in the first two Years of continuous operation of

Insurance cover on treatment of Cataract, Hysterectomy for
Menorrhagia or Fibromyoma, knee replacement surgery (other
than caused by an accident) Joint Replacement Surgery (other
than caused by an accident), Prolapse of intervertebral disc (other
than caused by accident), Varicose veins and Varicose ulcers.

Pre Existing Disease

Pre existing diseases are covered after 48 months of
continuous insurance with the company.
n

4. Expense incurred during the first year of operation of the

Insurance on treatment of diseases such as Benign Prostate
Hypertrophy, Hernia, Hydrocele, Fistula in anus, Piles, Sinusitis and
related disorders, gallstones and renal stone removal.

Pre & Post Hospitalization

Pre-hospitalization medical expenses upto 30 days prior
to the date of admission.
Post-hospitalization a lumpsum calculated at 7% of
the hospitalization expenses (excluding room charges)
subject to a maximum of Rs.5,000/- is payable.
n

5. Naturopathy treatment.

Non Allopathic Treatments

Upto 25% of the sum insured subject to a maximum of
Rs.25,000/- in the entire policy period.
n

Health Screening:
Pre-Acceptance Medical Screening at the Company
nominated centres is at the discretion of the Company.

NA - Not Applicable

Family package
For members from 5 months to 45years. The sum insured is
apportioned equally among insured family members.

7. Expenses which are mainly cosmetic in nature.

8. Treatment of Congenital external disease/defects/ anomalies.
Note : For a detailed list of exclusions please refer policy conditions.

Premium in Rs. (Service Tax Extra)

Discount
Insured person is eligible for no claim discount of 5%
for every claim free year upto a maximum of 25%.
5% Discount on premium applicable when purchase is
made online.

6. Expenses which are purely diagnostic in nature with no positive

existence of any disease.

Renewal Condition:
Renewal will not be normally refused except on grounds such as
fraud, moral hazard or misrepresentation. Where the claim ratio
for the preceding 2 consecutive years exceeds 100%, premium
loading as per the table given below would be applicable.

2 Adults+2 Children
1 Adult+1 Child
1 Adult+2 Children

2320
2168
2206

4080
3230
3280