{"uin":"SHAHLIP23079V062223","name":"Medi Classic Accident Care (Individual) Insurance Policy","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223","insurer":{"slug":"star-health-and-allied-insurance","name":"Star Health & Allied Insurance Co.Ltd.","url":"https://indiainsurances.com/insurer/star-health-and-allied-insurance"},"line":"health","category":"personal-accident","category_name":"Personal accident","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-08-14","withdrawn_on":null,"summary":"This product combines Medi Classic health insurance coverage with Accident Care Coverage under Tables A, B and C. Health sum insured options run up to Rs.25,00,000/- under Gold Plan, and Accident Care can pay 100% of Capital Sum Insured for accidental death and 150% for Permanent Total Disablement.","analysis":{"state":"machine","analysed_at":"2026-10-20 07:15:24.913092+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"quote-verified","value":["Gold Plan","Family Package Plan"],"display":"Gold Plan; Family Package Plan","note":"Gold Plan is shown under optional covers; Family Package Plan is available only under II Coverage.","quote":"1 Gold Plan ... The following are the special conditions applicable for “Family Package Plan”:-","sources":[{"clause":"1","heading":"Gold Plan","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-1-2"},{"clause":null,"heading":"The following are the special conditions applicable for “Family Package Plan”:-","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-the-following-are-the-special-conditions-applica"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The policy term options are one year, two years or three years.","display":"One year / Two years / Three years","note":"Prospectus states the term options for both Section I and Accident Care Coverage.","quote":"IV) Policy term - One year / Two years / Three years ... The policy is available in 1 year / 2 year / 3 year tenure","sources":[{"clause":"Section I(IV)","heading":"Policy term - One year / Two years / Three years","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-section-i-iv"},{"clause":null,"heading":"For policy with three year term","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-for-policy-with-three-year-term"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Disease (PED) and its direct complications until the expiry of 36 months of continuous coverage","Specified disease / procedure waiting period until the expiry of 24 months of continuous coverage","treatment of any illness within 30 days from the first policy commencement date","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Hazardous or Adventure sports","Breach of law","Alcoholism, drug or substance abuse","Sterility and Infertility","Maternity","Intentional self -injury","war, invasion, act of foreign enemy, warlike operations","nuclear weapons / materials","Any injuries/conditions which are Pre-existing","Participation in Hazardous Sport / Hazardous Activities"],"display":"Main exclusions include PED for 36 months, specified diseases for 24 months, 30-day illness waiting period, standard medical exclusions, and Accident Care exclusions for pre-existing injuries, self-injury, war/nuclear risks and hazardous activities.","note":"This list combines Section I health exclusions and Section II Accident Care general exclusions.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months ... Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident ... Excl04 Investigation & Evaluation - Code Excl 04 ... Excl05 Rest Cure, rehabilitation and respite care - Code Excl 05 ... Hazardous or Adventure sports - Code Excl 09 ... Excl10 Breach of law - Code Excl 10 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 ... Sterility and Infertility - Code Excl 17 ... Maternity - Code Excl 18 ... Intentional self -injury - Code Excl 22 ... Injury/disease caused by or arising from or attributable to war, invasion, act of foreign enemy, warlike operations ... Injury or disease caused by or contributed to by nuclear weapons / materials ... Any injuries/conditions which are Pre-existing ... Participation in Hazardous Sport / Hazardous Activities","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code Excl 01","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-1-3"},{"clause":"2","heading":"Specified disease / procedure waiting period - Code Excl 02","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-2-2"},{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-3-30-day-waiting-period-code-excl-03"},{"clause":"Excl04","heading":"Investigation & Evaluation - Code Excl 04","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care - Code Excl 05: Expenses related to any","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-excl05"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery - Code Excl 08: Expenses for cosmetic or plastic","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-excl08"},{"clause":"Excl10","heading":"Breach of law - Code Excl 10: Expenses for treatment directly arising from or","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers - Code Excl 11: Expenses incurred towards treatment in any","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-excl11"},{"clause":"17","heading":"Sterility and Infertility - Code Excl 17","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-17"},{"clause":"18","heading":"Maternity - Code Excl 18","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-18"},{"clause":"22","heading":"Intentional self -injury - Code Excl 22","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-22"},{"clause":"23","heading":"Injury/disease caused by or arising from or attributable to war, invasion, act of foreign","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed to by nuclear weapons / materials","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-24"},{"clause":"6(a)","heading":"MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-a-4"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"First contact the Company through its website, e-mail, phone/toll-free number, courier/post or branch grievance cell. If not satisfied with those methods, contact the grievance officer; if still not satisfied, approach the Insurance Ombudsman or lodge the grievance on Bima Bharosa.","display":"Complain first to Star Health by website, e-mail, phone/toll-free, post or branch; then grievance officer; then Ombudsman/Bima Bharosa.","note":null,"quote":"Incase of any grievance the insured person may contact the Company through\nWebsite | : www.starhealth.in\nE-mail | : grievances@starhealth.in\nPh. No. | : 044-69006900 | Toll Free No. 1800 425 2255 ... lnsured person may also approach the grievance cell at any of the company's branches with the details of grievance. lf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at 044-43664600. ... the insured person may also approach the office of lnsurance Ombudsman","sources":[{"clause":"14","heading":"Redressal of Grievance: Incase of any grievance the insured person may contact","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-14-2"},{"clause":null,"heading":"Senior Citizens may call at 044-69007500","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-senior-citizens-may-call-at-044-69007500"},{"clause":null,"heading":"For updated details of grievance officer, kindly refer the link","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-for-updated-details-of-grievance-officer-kindly"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"Basic sum insured options are Rs.1,50,000/-, Rs.2,00,000/-, Rs.3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/-, Rs.10,00,000/- and Rs.15,00,000/-. Gold Plan options are Rs.3,00,000/-, Rs.4,00,000/-, Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- and Rs.25,00,000/-.","display":"Basic: Rs.1,50,000/- to Rs.15,00,000/-; Gold Plan: Rs.3,00,000/- to Rs.25,00,000/-","note":"From the prospectus; the wording refers to the policy schedule rather than listing selectable amounts.","quote":"III) What are the Basic sum insured options? Rs.1,50,000/- ; Rs.2,00,000/-; Rs. 3,00,000/-; Rs.4,00,000/-; Rs.5,00,000/-; Rs.10,00,000/-; Rs.15,00,000/- ... Rs.3,00,000/-; Rs.4,00,000/-; Rs.5,00,000/-; Rs.10,00,000/-; Rs.15,00,000/- Rs.20,00,000/-; Rs.25,00,000/-","sources":[{"clause":"Section I(III)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-section-i-iii"},{"clause":null,"heading":"Gold Plan","page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-gold-plan"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applies to illness under Section I; claims arising due to an accident are excepted if covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered","sources":[{"clause":null,"heading":"3. 30-day waiting period - Code Excl 03","page":6,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-3-30-day-waiting-period-code-excl-03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Coverage after 36 months is subject to the disease being declared at application and accepted by the insurer.","quote":"Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer","sources":[{"clause":"1","heading":"Pre-Existing Diseases - Code Excl 01","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"This exclusion does not apply for claims arising due to an accident.","quote":"Expenses related to the treatment of the following listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us.","sources":[{"clause":"2","heading":"Specified disease / procedure waiting period - Code Excl 02","page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-2-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud.","sources":[{"clause":"11","heading":"Moratorium Period: After completion of sixty continuous months of coverage","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-11-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person can port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date; accrued continuity benefits in waiting periods are available as per IRDAI guidelines on portability.","display":"Can port to other insurers with waiting-period continuity, by applying 30 to 60 days before renewal","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. ... the proposed insured person will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability.","sources":[{"clause":"8","heading":"Portability: The insured person will have the option to port the policy to other insurers","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Yes, renewals beyond 65 years without capping on exit age","note":"Prospectus states this for Section I health coverage; Accident Care prospectus also states life-long renewal for adults with no exit age.","quote":"Beyond 65 yrs, only renewals will be accepted without capping on the exit age.","sources":[{"clause":"Section I(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-section-i-i"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience, and renewal shall not be denied on the ground that the insured person made claims in preceding policy years.","display":"No loading based on individual claims experience","note":null,"quote":"Renewal shall not be denied on the ground that the insured person had made a claim or claims in the preceding policy years ... No loading shall apply on renewals based on individual claims experience","sources":[{"clause":"8","heading":"Portability: The insured person will have the option to port the policy to other insurers","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-8-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"For Section I, the policyholder may cancel any time by giving 7 days written notice. The Company refunds proportionate premium for the unexpired policy period for policy terms up to one year if no claims were made, and refunds premium for uncommenced policy years for terms over one year; there is no refund on cancellation for misrepresentation, non-disclosure of material facts or fraud.","display":"7 days' notice; proportionate refund for unexpired period up to one-year term if no claim; future uncommenced years for longer terms","note":"For long-term policies, the refund is after adjusting the long-term discount availed.","quote":"The Policyholder may cancel his policy any time during the term by giving 7 days ... refund proportionate premium for unexpired policy period, for policy term upto ... one year and there is no claim (s) made during the policy period. ... refund premium for the unexpired policy period, in respect of policies with policy term more than 1 year and risk coverage for such policy years has not commenced. ... There would be no refund of premium on cancellation on grounds of misrepresentation, non-disclosure of material facts or fraud","sources":[{"clause":"6","heading":"Cancellation","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-2"},{"clause":"6(a)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-a"},{"clause":"6(I)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-i"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"Section I health treatments must be taken in India. Section II Accident Care insurance cover applies worldwide.","display":"Health treatments in India; Accident Care worldwide","note":"The product has separate territorial wording for Section I Health Insurance Coverage and Section II Accident Care Coverage.","quote":"Territorial Limit: All treatments under this policy shall have to be taken in India. ... Geographical Scope: The insurance cover applies Worldwide.","sources":[{"clause":"21","heading":"Territorial Limit","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-21-2"},{"clause":null,"heading":"Hospital Cash and Home Convalescence","page":13,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-hospital-cash-and-home-convalescence"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"conflicting","value":{"unit":"days","amount":30},"display":"30 days","note":"Policy wording says thirty days. CIS says: 'fifteen days from date of receipt of the policy document'.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":"13","heading":"Free Look Period: The Free Look Period shall be applicable on new individual health","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-13-2"},{"clause":"3(b)","heading":"For Reimbursement","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31380#c-3-b"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The standard definition also says fifteen days where premium payment mode is monthly and thirty days in all other cases, but the product-specific renewal clause states 30 days.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy","sources":[{"clause":"8","heading":"Portability: The insured person will have the option to port the policy to other insurers","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-8-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"For Section I, any person aged between 5 months and 65 years can take the insurance; under Gold Plan, persons aged between 16 days and 65 years can take it. Beyond 65 years, only renewals are accepted without capping on exit age.","display":"5 months to 65 years; Gold Plan 16 days to 65 years","note":"From the prospectus; Accident Care Coverage prospectus states 18 years to 70 years.","quote":"Any person aged between 5 Months and 65 years can take this insurance. · Gold Plan: Persons aged between 16 days and 65 years can take this insurance · Beyond 65 yrs, only renewals will be accepted without capping on the exit age.","sources":[{"clause":"Section I(I)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-section-i-i"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents state policy tenures and premium charts, but do not state payment frequency options such as yearly, half-yearly, quarterly or monthly.","quote":null,"sources":[],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Gold Plan","Patient Care","Hospital Cash","Medical Expenses Extension Due to Accident","Home Convalescence"],"display":"Gold Plan; Patient Care; Hospital Cash; Medical Expenses Extension Due to Accident; Home Convalescence","note":"Patient Care and Hospital Cash are optional under Section I; Medical Expenses Extension Due to Accident, Hospital Cash and Home Convalescence are optional under Section II when additional premium is paid and the benefit is shown in the policy schedule.","quote":"OPTIONAL COVERS ... 1 Gold Plan ... Patient Care and Hospital Cash are available on payment of additional premium under Gold Plan also. ... If the additional premium is paid by the Insured person and shown in the Schedule of the policy, the following benefits, as applicable, are payable under the policy in addition to the sum insured. ... MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT ... Hospital Cash: ... Home Convalescence:","sources":[{"clause":"III","heading":"OPTIONAL COVERS","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-iii"},{"clause":"1","heading":"Gold Plan","page":4,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-1-2"},{"clause":"3(d)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-3-d"},{"clause":null,"heading":"IV. OPTIONAL BENEFITS (Applicable for Section II)","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-iv-optional-benefits-applicable-for-section-ii"},{"clause":"6(a)","heading":"MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-a-4"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":"Section II wording similarly says no protection is available between policy expiry and payment of renewal premium.","quote":"Coverage is not available during the grace period","sources":[{"clause":"8","heading":"Portability: The insured person will have the option to port the policy to other insurers","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-8-2"}],"law":[]},{"key":"accidental_death","label":"Accidental death","section":"Cover","meaning":"What is paid if an accident causes death.","status":"quote-verified","value":"Under Table A, if an accident causes death of the insured person within 12 calendar months from the date of accident, the Company pays 100% of the Capital Sum Insured. Tables B and C also include accidental death at 100% of the Capital Sum Insured.","display":"100% of Capital Sum Insured if accidental death occurs within 12 Calendar months","note":"Table A covers Accidental Death; Tables B and C also include Accidental Death with the same 100% payment.","quote":"such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay an amount as compensation 100% of the Capital Sum Insured.","sources":[{"clause":null,"heading":"Table-A – ACCIDENTAL DEATH","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-table-a-accidental-death"}],"law":[]},{"key":"permanent_total_disability","label":"Permanent total disability","section":"Cover","meaning":"What is paid for permanent total disability.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"permanent_partial_disability","label":"Permanent partial disability","section":"Cover","meaning":"The table of payouts for losing a limb, eye, hearing...","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"temporary_total_disability","label":"Temporary total disability","section":"Cover","meaning":"Weekly income paid while you cannot work after an accident.","status":"quote-verified","value":"Under Table C, if grievous injury arising solely and directly from an accident results in hospitalization and temporary total disablement, the policy pays 1% of the sum insured under Table C per completed week, not exceeding Rs.15,000/- per completed week, for a maximum of 100 weeks from the date of temporary total disablement.","display":"1% of Table C sum insured per completed week, max Rs.15,000/- per week, up to 100 weeks","note":"The payment is made only after termination of the disablement, and compensation cannot exceed the sum insured for this benefit.","quote":"Temporary Total Disablement: If at any time during the period of insurance the insured person/s shall sustain Grievous injury arising solely and directly from an accident and resulting in hospitalization, then the insured person will be paid a sum calculated at 1% of the sum insured under Table C per completed week but not exceeding Rs.15,000/- per completed week ... This benefit is subject to a maximum period of 100 weeks from the date of such Temporary Total Disablement.","sources":[{"clause":"1(c)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-1-c-2"}],"law":[]},{"key":"accident_medical","label":"Accident medical expenses","section":"Cover","meaning":"Treatment costs after an accident.","status":"quote-verified","value":"Accident medical expenses are not a base Accident Care benefit unless the Medical Expenses Extension Due to Accident is opted by paying additional premium and shown in the policy schedule. The optional extension pays medical expenses as inpatient or outpatient, in connection with an admitted accident claim, up to 25% of the valid claim, 10% of the Total sum insured, or actuals, whichever is less, subject to an overall limit of Rs.5,00,000/- per policy period.","display":"None unless opted; optional Medical Expenses Extension pays 25% of valid claim or 10% of Total sum insured or actuals, whichever is less, up to Rs.5,00,000/- per policy period","note":"Optional cover only; it is payable in addition to the sum insured when opted.","quote":"MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT: The Company will pay any medical expenses necessarily and reasonably incurred and expended by the Insured Person, either as an In Patient or as an Out Patient, in connection with the accident as specified in the policy for which a claim has been admitted by the Company, 25% of the valid claim or 10% of the Total sum insured or actuals whichever is less, subject to a overall limit of Rs.5,00,000/- per policy period. ... This benefit is optional and is effective only if Specifically opted for by paying additional premium","sources":[{"clause":"6(a)","heading":"MEDICAL EXPENSES EXTENSION DUE TO ACCIDENT","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379#c-6-a-4"}],"law":[]},{"key":"occupation_classes","label":"Occupation rules","section":"Eligibility","meaning":"Whether your job affects cover or premium.","status":"quote-verified","value":"For Accident Care rating, persons proposed for insurance are classified by occupation into Risk Group I, Risk Group II and Risk Group III. Group I covers persons engaged primarily in administrative functions; Group II covers manual work other than Group III; Group III includes explosives industry, mine and/or magazine workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazard, and premium rates differ by coverage table and risk group.","display":"Occupation affects Accident Care premium through Risk Groups I, II and III","note":"From the prospectus; the policy wording also requires notice of any change in business or occupation.","quote":"For the purpose of rating under the different Tables of coverage the persons proposed for insurance can be classified under the following groups depending on their occupation:\nRisk Group I - Persons engaged primarily in administrative functions Risk Group II - Persons engaged in manual work other than what is specifically provided for under Group III Risk Group III - Persons working in explosives industry, mine and /or Magazine workers, high tension electric supply, horse racing including jockeys, athletes and occupations of similar hazard. ... Coverage / Risk group | Premium (in Rs.) per mille sum insured\nGroup I | Group II | Group III","sources":[{"clause":null,"heading":"For policy with three year term","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-for-policy-with-three-year-term"},{"clause":null,"heading":"Premium Table (Service Tax Extra) For 1 Year policy","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354#c-premium-table-service-tax-extra-for-1-year-polic"}],"law":[]}],"documents":[{"kind":"wording","label":"Medi Classic Accident Care (Individual) Insurance Policy (IRDAI copy)","pages":20,"fetched_at":"2026-10-20 02:22:11+00","source_url":"https://irdai.gov.in/documents/37343/931203/Medi+Classic+Accident+Care+%28Individual%29+Insurance+Policy_2013-2014.pdf/eae66acf-2bb8-a3dd-4307-4a8f6bc197f5?version=1.1&t=1668332289617&download=true","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/28135"},{"kind":"wording","label":"Medi Classic Accident Care(Individual) Insurance Policy - SHAHLIP23079V062223","pages":17,"fetched_at":"2026-10-20 01:59:32+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Medi_Classic_Accident_Care_Individual_Insurance_Policy_V_15_Web_7cdd923813.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31379"},{"kind":"prospectus","label":"Medi Classic Accident Care (Individual) Insurance Policy","pages":18,"fetched_at":"2026-10-20 01:57:52+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/medi_classic_accident_insurance_prospectus_e33ca9cfd2.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31354"},{"kind":"cis","label":"Medi Classic Accident Care (Individual) Insurance Policy","pages":24,"fetched_at":"2026-10-20 01:59:41+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_MCI_Accident_Care_V_1_Static_40f53f760f_a15c490df8.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223/document/31380"}],"versions":[{"uin":"IRDA/NL-HLT/SHAI/P-H/V.I/162/13-14","version":null,"approved_on":null},{"uin":"SHAHLIP23079V062223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Star Health & Allied Insurance official website","url":"https://www.starhealth.in/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claim process","url":"https://www.starhealth.in/claims/","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.starhealth.in/grievance-redressal/","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Instant renewal","url":"https://customer.starhealth.in/customerportal/instant-renewal/","note":null}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Medi Classic Accident Care (Individual) Insurance Policy (UIN SHAHLIP23079V062223), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-accident-care-individual-insurance-policy-shahlip23079v062223"}