General Insurance

Medi Classic

Eligibility Criteria

Minimum Entry Age 5 months for children, 18 years for adults
Maximum Entry Age 65 years
 
 

Benefits

Non - allopathic treatment

Non allopathic treatment are forms of treatments other than treatment “Allopathy” or “modern medicine” and includes Ayurveda, Unani, Sidha and Homeopathy in the Indian context. Under this plan, a person is entitled to 25% of sum insured; maximum till Rs. 25000/-.

 
 

Product Features

Key Features

Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 1.5, 2,3,4,5, 10 and 15 lakhs.
In-patient hospitalisation

This covers hospitalisation expenses due to an illness or accident.
The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.
Pre-hospitalisation

It covers the medical expenses due to an illness before the insured is hospitalised.
The plan covers pre-hospitalisation expenses of up to 30 days.
Post-hospitalisation

It covers the medical expenses due to an illness after the insured is discharged from hospitalisation.
The plan covers post-hospitalisation expenses of up to 60 days subject to maximum of Rs. 5000/-
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
This plan provides free health check-up for 2 lakhs and above sum insured. Under this plan, health check up will costs upto Rs. 5000/- for every block of 4 claim free years.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalisation.
In the event of hospitalisation, the policyholder is entitled to 2% of sum insured; subject to maximum of Rs. 5000/- per day.
 

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalisation and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
Ambulance expenses up to Rs. 2,000/- hospitalization is covered under this plan.
Domicilliary Hospitalisation

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.
The plan covers domiciliary hospitalization up to Sum Insured.
Restoration of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with 200% of sum insured.
No-claim Bonus

If the policyholder does not make any claim during the year, he is entitled to a bonus in addition to his sum insured.
With every claim-free year, the plan provides an additional 5% bonus of sum insured; maximum 25%.
Co Pay

It is a cost sharing requirement that provides that the policy holder will bear a specified percentage of the admissible claim amount.
10% of sum insured; beyond 60 years of age.
 
 

Exclusions

  • Genetic Disorder
  • Sexually transmitted disease or illness
  • Artificial Life Maintenance
  • Mental disorders (including treatments for mental health)
  • Weight loss treatment
  • Alternative Practice
  • Alternative Practice
  • Recovery Benefit
  • Dental cover
  • Eye cover
  • Plastic surgery
  • Maternity cover
 
 

FAQs

 

Can I increase/decrease the sum insured or change the plan in my policy?

Alterations like increase or decrease in Sum Insured, change in plan will be allowed at the time of Renewal of Policy. However, any such change request will be subject to underwriting decision or requirement of medical tests on a case to case basis.

 

What do you mean by in-patient and out-patient treatment?

When an insured is hospitalized and stays in hospital for more than 24 hours solely for receiving treatment it is termed as in-patient treatment. Out-patient treatment is when insured visits a clinic/hospital or a consultation room for diagnosis and treatment based on the advice of medical practitioner. In out-patient hospitalization patient is not admitted under a day care or as an in-patient.

 

If I have a health insurance policy in one city, can I make a claim in another city?

Your health insurance policy is in force across India. You can check whether there is any network hospital near to your residence as well the city of your current location. Network hospitals are the hospitals that have tie-up with the Third Party Administrator for cashless settlement of claims. If there is no network hospital, you can opt for reimbursement mode of settlement.


Apart from this we also provide coverage in case of Emergency situations anywhere in the world.

 

Does the plan cover pre-existing diseases?

Pre-existing diseases/illness/injury/conditions will be covered post 48 months of continuous cover.

 

How do you decide if a disease is a pre-existing one or not?

At the time of buying a health insurance you need to provide details of the illnesses you have suffered during your lifetime. The insurer refers such cases to their medical panel to differentiate between pre-existing and newly contracted illnesses.