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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. 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.

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.
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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.

Exceeding six months

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
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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.
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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

5.0% 7.5% 10.0% 12.0%

Eligibility Any person aged between 5 months and 80 years, residing in India, can take this insurance. Policy Premium in Rs. (Service Tax Extra)

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. 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. 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. 5. Naturopathy treatment. 6. Expenses which are purely diagnostic in nature with no positive existence of any disease. 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.
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Pre Existing Disease Pre existing diseases are covered after 48 months of continuous insurance with the company.
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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.
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NA - Not Applicable

Non Allopathic Treatments Upto 25% of the sum insured subject to a maximum of Rs.25,000/- in the entire policy period.
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Family package For members from 5 months to 45years. The sum insured is apportioned equally among insured family members. Premium in Rs. (Service Tax Extra)

Health Screening: Pre-Acceptance Medical Screening at the Company nominated centres is at the discretion of the Company.
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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.
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2 Adults+2 Children 1 Adult+1 Child 1 Adult+2 Children

2320 2168 2206

4080 3230 3280

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.