Star Medi Classic Health Insurance


Star Health Insurance is a venture between Oman Insurance Company, which is one of the leading insurance companies in the Middle East and a few enterprising industrialists, industry experts and business houses in India.

One of their health insurance plans is STAR MEDI CLASSIC HEALTH INSURANCE PLAN.

The SALIENT FEATURES of this plan are:

  • It aims at providing reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and accidental injuries
  • Any persons between the age of 5 months and 80 years residing in India can take this insurance
  • In-patient hospitalization expenses for a minimum of 24 hours includes:
  • Room rent and boarding at 2% of sum insured subject to a maximum of Rs.4000 per day
  • Nursing expenses
  • Surgeon’s fees, consultant’s fees, anesthetist’s fees
  • Cost of medicines and drugs
  • Ambulance charges up to a maximum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period
  • Pre-hospitalization medical expenses up to 30 days prior to date of admission
  • Post-hospitalization – a lump sum calculated at 7% of hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable
  • Non-allopathic treatments up to Rs.25000 per occurrence are payable subject to a maximum of 25% of sum insured per policy period



SUM INSURED (Rs.) 5 MTHS-35 YRS 36-45 YRS 46-55 YRS 56-65 YRS 66-70 YRS 71-75 YRS 76-80 YRS
50000 575/- 700/- 1320/- NA NA NA NA
1 lac 1200/- 1350/- 2447/- 3000/- 4547/- 4872/- 6029/-
1.5 lacs 1800/- 2000/- 3400/- 4200/- 6717/- 7284/- 9284/-
2 lacs 2350/- 2600/- 4583/- 5300/- 8768/- 9574/- 12420/-
2.5 lacs 2800/- 3150/- 5548/- 7200/- 10696/- 11744/- 15433/-
3 lacs 3300/- 3650/- 6170/- 8200/- 12625/- 13914/- 18449/-
3.5 lacs 3750/- 4150/- 7408/- 10196/- 14434/- 15964/- 21341/-
4 lacs 4200/- 4500/- 8700/- 11451/- 16242/- 18015/- 24236/-
5 lacs 4900/- 5400/- 10700/- 13958/- 19859/- 22113/- 30023/-
10 lacs 7465/- 7965/- 13265/- 16525/- NA NA NA


2A 2348/- 3400/-
2A+1C 2238/- 3825/-
2A+2C 2320/- 4080/-
1A+1C 2168/- 3230/-
1A+2C 2206/- 3280/-
  • A Service Tax of 10.3% needs to be added to the premiums mentioned above
  • Premiums paid by cheque or credit card are eligible for relief under section 80D of the Income Tax Act


  • 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 of age. It pays for the attendant charges after discharge from the hospital at 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 and provides for a new born from birth up to the expiry of the policy period. The sum insured is restricted to 10% of sum insured in respect of the mother. Premium 10% of policy premium


  • All expenses incurred in connection with treatment of any illness/disease/condition that is pre-existing at the time of commencement of the policy
  • Treatment of any illness/disease/condition contracted by the insured within the first 30 days from the commencement of the policy
  • Expenses incurred in the first 2 years of continuous operation of the policy cover on treatment of:
  • Cataract
  • Hysterectomy
  • Menorrhagia or Fibromioma
  • Knee replacement surgery (other than caused by an accident)
  • Joint replacement surgery (other than caused by an accident)
  • Prolapsed Inter-vertebral disc (other than caused by an accident)
  • Varicose veings/ulcers
  • Expenses incurred in the first 1 year of continuous operation of the policy cover on treatment of:
  • Benign prostate
  • Hypertrophy
  • Hernia
  • Hydrocele
  • Fistula in anus
  • Piles
  • Sinusitis and related disorders
  • Gall stone/renal stone removal
  • Naturopathy treatment
  • Expenses purely diagnostic in nature with no positive existence of any disease
  • Expenses incurred for treatment of disease/illness/accidental injuries by medicines other than allopathic
  • Expenses that are cosmetic in nature
  • Expenses incurred on treatment of congenital diseases/defect/anomalies

An insurance product from Star Health Insurance can be bought by calling their toll free number 1800-425-2255 or one can also visit their website

ADDITIONAL BENEFITS of taking a health insurance plan from Star Health are:

  • Cashless service without TPA intervention
  • Direct tie up with all major hospitals in India
  • 24 hours general practitioner’s advice and medical counseling
  • 24×7 in-house call center
  • Toll free telephone assistance
  • First stand alone health insurance company
  • Cumulative bonus ranging from 5% for every claim free year of insurance (except for the Family Package Plan) subject to a maximum of 25%

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