Star Health Medi Classic Insurance Policy is specifically designed to set you free from all the stress arising out of unforeseen medical expenses in today's world. Star Health Medi Classic can cover you or your family or your loved ones from various illnesses, diseases, and sickness by compensating the hospitalization costs. Hospitalization expenses due to car accident or personal accident also falls under the Star Health Medi Classic Insurance coverage.

Star Health Medi Classic Insurance Policy Benefits

Star Health Medi Classic offers a plethora of benefits to the insured person. Some of its benefits include following.

Hospitalisation Cover

  • Star Health Medi Classic covers various hospitalization expenses like nursing, room rent, and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, medicine And Drugs Costs for a minimum of 24 hrs.
  • Offers Ambulance Charges in case of emergency transportation to hospital on the basis of specified limits.
  • Star Health Medi Classic covers pre-hospitalization expenses up to 30 days before the patient is admitted to the hospital.
  • Covers the cost of post-hospitalisation as per specified limits.
  • This Star Health insurance policy covers 101 Day-care treatments.

Pre-Existing Diseases / Illnesses

  • Star Health Medi Classic covers pre-existing diseases after 48 months of incessant insurance without any break.

Add-on Covers

  • Star Health offers some add-on covers like Patient Care and Hospital Cash for Medi Classic Insurance. Add on covers are subject to addition payment along with the premium.
  • The Patient Care add-on cover by Star Heath is available for persons above 60 years of age and it pays for attendant charges for maximum 5 days per hospitalisation and 14 days per policy period after discharge from hospital.
  • Hospital cash benefits are offered on completion of each day at hospital by Hospital Cash add-on coverage.

Family Package

  • Family Package is available for persons from 5 months to 45 years under Star Health Medi Classic coverage. The Sum Insured is evenly allocated among the insured family members.
  • This health play by Star Health provides Optional Benefit of New Born Baby. The Sum Insured is 10% of the mother's Sum Insured and Premium is 10% of the policy premium.

Health Check-Up Benefits

  • This plan covers the cost of Health Check-Up once after every four claim-free years. Note that this benefit is obtainable on Sum Insured of Rs.2,00,000/- and above only.

Coverage for HIV Infected Persons

  • This policy can be taken by persons infected by HIV given that the CD 4 count at the time of policy buying is above 350.

Star Health Medi Classic Insurance Policy Eligibility

  • This policy can be availed by anyone between the age of 5 months and 65 years.
  • Children can be covered but only along with parents.
  • Medi Classic Insurance Policy can be taken by HIV positive persons but with the proof that the CD 4 count at the time of policy buying is above 350.


As discussed above, the Star Health Medi Classic Insurance policy comes packed with these features, special benefits and coverage. The best feature of this health plan is that it can cover both you as well as your family. Coverage for HIV infected persons is also a plus.