{"uin":"SHAHLIP26047V092526","name":"Medi Classic Insurance Policy (Individual)","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526","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":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2021-05-31","withdrawn_on":null,"summary":"Medi Classic Insurance Policy (Individual) is a Star Health hospitalisation indemnity policy for treatment in India, with a Basic Sum Insured of Rs.1,50,000 to Rs.15,00,000 (new policies from Rs.5,00,000), room rent capped at 2% of the sum insured up to Rs.5,000 per day and a 10% co-payment for people who join at 61 or above. It has a 30 day initial waiting period, 24 months for listed illnesses and 36 months for pre-existing diseases, caps post-hospitalisation at 7% of hospitalisation expenses up to Rs.5,000, restores 200% of the sum insured once a year, and offers a Gold Plan with higher limits up to Rs.25,00,000.","analysis":{"state":"extracted","analysed_at":"2026-10-19 16:40:23.505665+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"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":"cross-checked","value":["Medi Classic (base cover)","Gold Plan","Family Package Plan"],"display":"Base cover, Gold Plan, Family Package Plan","note":"The Gold Plan is printed under Optional Covers and is bought for a different premium; where it is opted, only Gold Plan benefits apply. The Family Package Plan is for Basic Sum Insured Rs.2,00,000 and Rs.3,00,000, ages 5 months to 45 years, and the prospectus says it is available only for renewals.","quote":"Note: The benefits mentioned under VII above are available as a \"Family Package Plan\" also. ... VIII. Gold Plan ... 1. Where Gold Plan is opted, in the event of a claim, the benefits under Gold Plan only shall be applicable. ... ii. This plan is applicable for Basic Sum Insured of Rs.2,00,000/- and Rs.3,00,000/- only. ... iii. Plan is applicable for Age band of 5 months to 45 years. ... iii) This plan is available only for renewals.","sources":[{"clause":"14","heading":"AI driven Face Scan: The Insured Person can avail, AI-driven face scan facility by using","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-14"},{"clause":null,"heading":"VIII. Gold Plan","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-viii-gold-plan"},{"clause":null,"heading":"P. Hospitalization expenses for treatment","page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-p-hospitalization-expenses-for-treatment"},{"clause":null,"heading":"29. Special conditions applicable to Family","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-29-special-conditions-applicable-to-family"},{"clause":null,"heading":"The following are the special conditions applicable for “Family Package Plan”:-","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#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":"cross-checked","value":"One year, two years or three years.","display":"1, 2 or 3 years","note":"Long term discount: 10% on 2nd year premium and 12.5% on 3rd year premium.","quote":"IV. Policy Term: One year / Two years / Three years, for policies more than one year, the Basic Sum Insured is for each year, without any carry over benefit thereof","sources":[{"clause":null,"heading":"III. What are the Basic Sum Insured options?","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-iii-what-are-the-basic-sum-insured-options"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Within 24 hours of hospitalisation in an emergency; at least 48 hours before a planned hospitalisation.","display":"Emergency: within 24 hours; planned: at least 48 hours before","note":"Reimbursement claims must be filed within 15 days of discharge (post-hospitalisation: within 15 days after completion of 60 days from discharge). The Company says it will examine and relax these time limits depending on the merits of the case.","quote":"Emergency Hospitalization (Cashless / Reimbursement): Within 24 hours of date and time of Hospitalization if the Insured Person has been hospitalized in an Emergency. ... Planned Hospitalization (Cashless / Reimbursement): At least 48 hours prior to the proposed treatment or date and time of Hospitalization. ... Claim must be filed within 15 days from the date of discharge from the Hospital ... Within 15 days after completion of 60 days from the date of discharge from hospital ... However, the Company will examine and relax the time limit mentioned in these conditions depending upon the merits of the case.","sources":[{"clause":null,"heading":"Emergency Hospitalization (Cashless /","page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-emergency-hospitalization-cashless"},{"clause":null,"heading":"Planned Hospitalization (Cashless /","page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-planned-hospitalization-cashless"},{"clause":"35(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-d"},{"clause":"35(f)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-f"}],"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":"cross-checked","value":["Duly completed claim form","Pre admission investigations and treatment papers in original","Discharge Summary in original from the hospital","Cash receipts in original from hospital, chemists","Cash receipts and reports for tests done in original","Receipts from doctors, surgeons, anaesthetist in original","Certificate from the attending doctor regarding the diagnosis","Copy of PAN Card","Copy of Aadhaar Card","Any other document specific to the treatment / illness","Prescriptions and receipt for Pre and Post-Hospitalization expenses","KYC (Identity proof with Address) of the Proposer","NEFT documents","CKYC No. of the Proposer (if available)"],"display":"Claim form, discharge summary, original bills and receipts, test reports, doctor's diagnosis certificate, PAN, Aadhaar, KYC, bank (NEFT) details and others","note":"The Company may call for additional documents; the website lists the comprehensive set.","quote":"a) Duly completed claim form, and ... b) Pre Admission investigations and treatment papers in original ... c) Discharge Summary in original from the hospital ... d) Cash receipts in original from hospital, chemists ... e) Cash receipts and reports for tests done in original ... f) Receipts from doctors, surgeons, anaesthetist in original ... g) Certificate from the attending doctor regarding the diagnosis ... h) Copy of PAN Card ... i) Copy of Aadhaar Card ... j) Any other document specific to the treatment / illness ... k) Prescriptions and receipt for Pre and Post-Hospitalization expenses ... l) KYC (Identity proof with Address) of the Proposer, as per AML Guidelines ... m) NEFT documents viz., Customer name, Bank Account No., Name of the Bank, IFSC code ... n) CKYC No. of the Proposer (if available)","sources":[{"clause":"35(a)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-a"},{"clause":"35(b)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b"},{"clause":"35(c)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-c"},{"clause":"35(d)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-d"},{"clause":"35(e)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-e"},{"clause":"35(f)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-f"},{"clause":"35(g)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-g"},{"clause":"35(h)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-h"},{"clause":"35(i)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-i-2"},{"clause":"35(j)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-j"},{"clause":"35(k)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-k"},{"clause":"35(l)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-l"},{"clause":"35(m)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-m"},{"clause":"35(n)","heading":null,"page":26,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-n"}],"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":"The documents give time limits for the insured to notify and file claims, but no time within which the Company decides or pays a claim.","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":"cross-checked","value":["Pre-existing diseases until 36 months of continuous cover (Code Excl 01)","Listed diseases and procedures until 24 months of continuous cover (Code Excl 02)","Any illness in the first 30 days, except accidents (Code Excl 03)","Admission primarily for diagnostics and evaluation (Code Excl 04)","Rest cure, rehabilitation and respite care (Code Excl 05)","Cosmetic or plastic surgery (Code Excl 08)","Hazardous or adventure sports as a professional (Code Excl 09)","Treatment for alcoholism, drug or substance abuse (Code Excl 12)","Sterility and infertility (Code Excl 17)","Maternity: childbirth, miscarriage and termination, except ectopic pregnancy (Code Excl 18)","Intentional self-injury (Code Excl 22)","War and nuclear risks (Code Excl 24, Code Excl 25)","Dental treatment unless due to accident and requiring hospitalisation (Code Excl 32)","Spectacles, hearing aids, walkers, CPAP and similar aids (Code Excl 35)","Other Excluded Expenses as detailed in the website (Code Excl 37)"],"display":"Waiting-period exclusions for pre-existing and listed diseases and the first 30 days, plus diagnostics-only admissions, cosmetic surgery, adventure sports, addiction, infertility, maternity, self-injury, war, dental and aids","note":"Full standard and specific lists are in permanent_exclusions. The wording's numbering of specific exclusions skips codes (no Excl23, Excl30, Excl33).","quote":"Pre-Existing Diseases - Code Excl 01 A. 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 ... Code Excl 02 A. Expenses related to the treatment of the following listed Conditions, surgeries/ treatments shall be excluded until the expiry of 24 months of continuous coverage ... 3. 30-day waiting period - Code Excl 03 A. 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 A. Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... 5. Rest Cure, rehabilitation and respite care ... - Code Excl 05 ... Excl08 Cosmetic or plastic Surgery - Code Excl 08 ... Excl09 Hazardous or Adventure sports – Code Excl 09: Expenses related to any treatment ... necessitated due to participation as a professional in hazardous or adventure sports ... 12. Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 ... 17 Sterility and Infertility - Code Excl 17 ... a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy ... b) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy ... 18 Maternity - Code Excl 18 ... Intentional self-injury - Code Excl 22 ... attributable to war, invasion, act of foreign enemy, warlike operations (whether war be declared or not) - Code Excl 24 ... Injury or disease caused by or contributed to by nuclear weapons/ materials - Code Excl 25 ... Dental treatment or surgery unless necessitated due to accidental injuries and requiring hospitalization (Dental implants are not payable) - Code Excl 32 ... Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 ... Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37","sources":[{"clause":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl01"},{"clause":null,"heading":"2. Specified disease / procedure waiting","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2-specified-disease-procedure-waiting"},{"clause":"Excl04","heading":"Investigation & Evaluation - Code Excl 04","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl04"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery - Code Excl 08","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl08"},{"clause":"Excl09","heading":"Expenses related to any treatment","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl09"},{"clause":"Excl11","heading":"Excluded Providers - Code Excl 11","page":23,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl11"},{"clause":"17","heading":"Sterility and Infertility - Code Excl 17","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-17"},{"clause":"18","heading":"Maternity - Code Excl 18","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-18"},{"clause":"22","heading":"Intentional self-injury - Code Excl 22","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-22"},{"clause":"23","heading":"Injury/disease caused by or arising from or","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-24"},{"clause":"30","heading":"Dental treatment or surgery unless","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-30"},{"clause":"32","heading":null,"page":25,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-32"},{"clause":"Excl35","heading":null,"page":25,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl35"},{"clause":"34","heading":"Other Excluded Expenses as detailed in the","page":25,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-34"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery – Code Excl 08: Expenses for cosmetic or plastic surgery or","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl08"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – Code Excl 05: Expenses related to any","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl05"},{"clause":"Excl09","heading":"Hazardous or Adventure sports – Code Excl 09: Expenses related to any treatment","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl09"},{"clause":"Excl11","heading":"Excluded Providers – Code Excl 11: Expenses incurred towards treatment in any hospital","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl11"},{"clause":"23","heading":"Injury/disease caused by or arising from or attributable to war, invasion, act of foreign","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed to by nuclear weapons/ materials – Code Excl 25","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-24"},{"clause":"32","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-32"}],"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":"cross-checked","value":"Contact Star Health through its website, e-mail gro@starhealth.in or grievances@starhealth.in, phone 044-69006900 or toll free 1800 425 2255, by courier to its Royapettah, Chennai office or at any branch grievance cell; if not satisfied, the grievance officer at 044-43664600; then the Insurance Ombudsman or IRDAI Bima Bharosa.","display":"Star Health grievance cell (gro@starhealth.in, 1800 425 2255), then grievance officer 044-43664600, then the Insurance Ombudsman","note":"Senior citizens may call 044-69007500.","quote":"15. Redressal of Grievance: Incase of any grievance the Insured Person may contact the Company through ... Website | : www.starhealth.in ... E-mail | : gro@starhealth.in, ... grievances@starhealth.in ... Ph. No | : 044-69006900 ... Toll Free No : 1800 425 2255 Senior Citizens may call at 044-69007500 Courier/ Post : Star Health and Allied Insurance Company Limited., 4th Floor, Balaji Complex, No.15, Whites Lane, Whites Road, Royapettah, Chennai- 600014. 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 of the respective area/ region ... Grievance may also be lodged at IRDAI lntegrated Grievance Management System https://bimabharosa.irdai.gov.in/","sources":[{"clause":null,"heading":"13. Possibility of Revision of Terms of the","page":29,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-13-possibility-of-revision-of-terms-of-the"}],"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":"cross-checked","value":"Rs.1,50,000, 2,00,000, 3,00,000, 4,00,000, 5,00,000, 7,50,000, 10,00,000 or 15,00,000; Rs.1,50,000 to 4,00,000 only on renewal.","display":"Rs.1,50,000 to Rs.15,00,000; new policies from Rs.5,00,000 (lower amounts on renewal only)","note":"From the prospectus; the policy wording does not list the options. Gold Plan (bought in place of the base cover for its own premium): Rs.3,00,000 to Rs.25,00,000, with Rs.3,00,000 and 4,00,000 on renewal only. Family Package Plan: Rs.2,00,000 and Rs.3,00,000 only, split equally among members.","quote":"Rs.1,50,000/-; Rs.2,00,000/-; Rs.3,00,000/-; Rs.4,00,000/-; Rs.5,00,000/-; Rs.7,50,000/-; Rs.10,00,000/-; Rs.15,00,000/- Sum Insured options of Rs.1,50,000/-, Rs.2,00,000/-, Rs.3,00,000/- and Rs.4,00,000/- are available only for renewals. Gold Plan: Rs.3,00,000/-; Rs.4,00,000/-; Rs.5,00,000/-; Rs.7,50,000/-; Rs.10,00,000/-; Rs.15,00,000/-; Rs.20,00,000/-; Rs.25,00,000/- Sum Insured options of Rs.3,00,000/- and Rs.4,00,000/- are available only for renewals. ... ii. This plan is applicable for Basic Sum Insured of Rs.2,00,000/- and Rs.3,00,000/- only.","sources":[{"clause":null,"heading":"III. What are the Basic Sum Insured options?","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-iii-what-are-the-basic-sum-insured-options"},{"clause":null,"heading":"29. Special conditions applicable to Family","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-29-special-conditions-applicable-to-family"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Accidents are covered from day one. Does not apply if the insured has continuous coverage for more than twelve months; applies afresh to any enhanced sum insured. The preventive health check-up also has a 30 day initial waiting period.","quote":"3. 30-day waiting period - Code Excl 03 A. 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","sources":[{"clause":null,"heading":"2. Specified disease / procedure waiting","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2-specified-disease-procedure-waiting"}],"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":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":"Applies afresh to any sum insured increase; reduced by prior continuous coverage under portability. Cover after 36 months requires the disease to have been declared and accepted.","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":"Excl01","heading":"Pre-Existing Diseases - Code Excl 01","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl01"}],"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":"cross-checked","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed condition is also pre-existing, the longer (36 month) waiting period applies. Applies afresh to any sum insured increase.","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. This exclusion shall not be applicable for claims arising due to an accident","sources":[{"clause":null,"heading":"2. Specified disease / procedure waiting","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2-specified-disease-procedure-waiting"}],"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":"cross-checked","value":["Cataract and diseases of the anterior and posterior chamber of the Eye (other than retinal detachment)","Diseases of ENT","Diseases related to Thyroid","Benign diseases of the breast","Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma, Neurofibroma, Fibroadenoma, Ganglion","Diseases related to Tendon, Ligament, Fascia, Bones and Joint including Arthroscopy and Arthroplasty / Joint Replacement (other than caused by accident)","Degenerative disc and Vertebral diseases, Degenerative diseases of the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than caused by accident)","Hepatopancreato-biliary diseases including Gall bladder and Pancreatic calculi","Kidney and Genitourinary tract calculi","All types of Hernia","Desmoid Tumor, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula","Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases","All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies","Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele","Fistula, Fissure in Ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence","Varicose veins and Varicose ulcers","All types of transplant and related surgeries","Congenital Internal disease / defect"],"display":"Cataract, ENT, thyroid, benign breast disease, lumps and cysts, joint and bone diseases including joint replacement, spine and disc disease, gall bladder and kidney stones, hernia, uterine and ovarian diseases, prostate, hydrocele, piles and fistula, varicose veins, transplants, internal congenital defects","note":"All carry the 24 month waiting period (Code Excl 02).","quote":"1. Treatment of Cataract and diseases of the anterior and posterior chamber of the Eye (other than retinal detachment), Diseases of ENT, Diseases related to Thyroid, Benign diseases of the breast. 2. Subcutaneous Benign Lumps, Sebaceous cyst, Dermoid cyst, Mucous cyst lip / cheek, Carpal Tunnel Syndrome, Trigger Finger, Lipoma, Neurofibroma, Fibroadenoma, Ganglion and similar pathology 3. All treatments (Conservative, Operative treatment) and all types of intervention for Diseases related to Tendon, Ligament, Fascia, Bones and Joint Including Arthroscopy and Arthroplasty / Joint Replacement [other than caused by accident]. 4. All types of treatment for Degenerative disc and Vertebral diseases including Replacement of bones and joints and Degenerative diseases of the Musculo-skeletal system, Prolapse of Intervertebral Disc (other than caused by accident), 5. All treatments (conservative, interventional, laparoscopic and open) related to Hepatopancreato-biliary diseases including Gall bladder and Pancreatic calculi. All types of management for Kidney and Genitourinary tract calculi. 6. All types of Hernia, 7. Desmoid Tumor, Umbilical Granuloma, Umbilical Sinus, Umbilical Fistula, 8. All treatments (conservative, interventional, laparoscopic and open) related to all Diseases of Cervix, Uterus, Fallopian tubes, Ovaries, Uterine Bleeding, Pelvic Inflammatory Diseases 9. All Diseases of Prostate, Stricture Urethra, all Obstructive Uropathies, 10. Benign Tumours of Epididymis, Spermatocele, Varicocele, Hydrocele, 11. Fistula, Fissure in Ano, Hemorrhoids, Pilonidal Sinus and Fistula, Rectal Prolapse, Stress Incontinence 12. Varicose veins and Varicose ulcers 13. All types of transplant and related surgeries. 14. Congenital Internal disease / defect","sources":[{"clause":null,"heading":"2. Specified disease / procedure waiting","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2-specified-disease-procedure-waiting"}],"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":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"For an enhanced sum insured, the sixty months run from the date of enhancement on the enhanced limit only.","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":null,"heading":"10. Withdrawal of Policy","page":29,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-10-withdrawal-of-policy"}],"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":"cross-checked","value":"Yes. The policyholder can port the entire policy to another insurer by applying at least 30 days but not earlier than 60 days before renewal, and carries over credits for sum insured, no claim bonus, specific and pre-existing disease waiting periods and moratorium.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credits carry over","note":"Migration to another Star Health policy carries the same credits.","quote":"i) The Policyholder has the choice to port his / her Policy from one Insurer to another 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 ... ii) The Policyholder is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, Specific Waiting Periods, Waiting period for Pre-Existing Diseases, Moratorium period etc. from the existing Insurer to the Acquiring Insurer in the previous Policy.","sources":[{"clause":"35(b)(i)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-i"},{"clause":"35(b)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-ii"}],"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":"cross-checked","value":true,"display":"Yes, no exit age","note":"Renewal can be refused for established fraud, non-disclosure or misrepresentation, or if the product is withdrawn (with a migration option).","quote":"iii. Beyond 65 years, only renewals will be accepted without capping on the exit age. ... The Policy shall be renewable provided the product is not withdrawn, except in case of established fraud or non-disclosure or misrepresentation by the Policyholder.","sources":[{"clause":null,"heading":"I. Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-i-eligibility"},{"clause":"35(b)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-ii"}],"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":"not-stated","value":null,"display":null,"note":"The documents allow revision of premium rates as per guidelines with thirty days notice and a medical underwriting loading at inception, but do not say whether a claim can raise the renewal premium.","quote":null,"sources":[],"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":"cross-checked","value":["Investigation and evaluation (Code Excl 04)","Rest cure, rehabilitation and respite care (Code Excl 05)","Obesity / weight control surgery not meeting the stated conditions (Code Excl 06)","Change-of-gender treatments (Code Excl 07)","Cosmetic or plastic surgery (Code Excl 08)","Hazardous or adventure sports (Code Excl 09)","Breach of law (Code Excl 10)","Excluded providers (Code Excl 11)","Alcoholism, drug or substance abuse (Code Excl 12)","Health hydros, nature cure clinics, spas (Code Excl 13)","Dietary supplements without prescription (Code Excl 14)","Refractive error less than 7.5 dioptres (Code Excl 15)","Unproven treatments (Code Excl 16)","Sterility and infertility (Code Excl 17)","Maternity (Code Excl 18)","Circumcision, preputioplasty, frenuloplasty (Code Excl 19)","Congenital external conditions (Code Excl 20)","Convalescence, general debility, nutritional deficiency (Code Excl 21)","Intentional self-injury (Code Excl 22)","War (Code Excl 24)","Nuclear weapons / materials (Code Excl 25)","EECP, chelation, hyperbaric oxygen and similar therapies (Code Excl 26)","Unconventional, untested, experimental therapies (Code Excl 27)","Stromal vascular fraction, chondrocyte implantation, platelet rich plasma, intra articular injection therapy (Code Excl 28)","Biologicals except as in-patient when clinically indicated (Code Excl 29)","Inoculation or vaccination (Code Excl 31)","Dental treatment unless accidental and requiring hospitalisation (Code Excl 32)","Hospital registration, admission, record, telephone charges (Code Excl 34)","Spectacles, contact lens, hearing aids, cochlear implants, walkers, wheel chairs, CPAP, BIPAP, CAPD, infusion pump (Code Excl 35)","Hospitalisation not medically necessary (Code Excl 36)","Other excluded expenses as detailed in the website (Code Excl 37)","Existing diseases disclosed and listed in the schedule as permanent exclusion (Code Excl 38)"],"display":"Standard exclusions Code Excl 04 to Code Excl 18 and Star Health's own list Code Excl 19 to Code Excl 38","note":"Quoted from the prospectus because the policy wording's table of exclusions lost several code labels in extraction (Excl12, Excl28, Excl34, Excl35 are split from their text); the wording has the same list. Codes Excl23, Excl30 and Excl33 are not used.","quote":"Investigation & Evaluation - Code Excl 04 ... Rest Cure, rehabilitation and respite care ... - Code Excl 05 ... Obesity/ Weight Control - Code Excl 06 ... Change-of-Gender treatments - Code Excl 07 ... Cosmetic or plastic Surgery - Code Excl 08 ... Hazardous or Adventure sports - Code Excl 09 ... Breach of law - Code Excl 10 ... Excluded Providers - Code Excl 11 ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof - Code Excl 12 ... Treatments received in health hydros, nature cure clinics, spas or similar establishments ... - Code Excl 13 ... Dietary supplements and substances that can be purchased without prescription ... - Code Excl 14 ... Refractive Error - Code Excl 15: Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. ... Unproven Treatments - Code Excl 16 ... Sterility and Infertility - Code Excl 17 ... Maternity - Code Excl 18 ... Circumcision (unless necessary for treatment of a disease not excluded under this policy ... or necessitated due to an accident), Preputioplasty, Frenuloplasty, Preputial Dilatation and Removal of SMEGMA - Code Excl 19 ... Congenital External Condition / Defects / Anomalies - Code Excl 20 ... Convalescence, general debility, run-down condition, Nutritional deficiency states ... - Code Excl 21 ... Intentional self-injury - Code Excl 22 ... war, invasion, act of foreign ... enemy, warlike operations (whether war be declared or not) - Code Excl 24 ... Injury or disease caused by or contributed to by nuclear weapons/ materials - Code Excl 25 ... Expenses incurred on Enhanced External Counter Pulsation Therapy and related therapies, Chelation therapy, Hyperbaric Oxygen Therapy ... - Code Excl 26 ... Unconventional, Untested, Experimental therapies - Code Excl 27 ... Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures ... using Platelet Rich plasma and Intra articular injection therapy - Code Excl 28 ... Biologicals, except when administered as an in-patient, when clinically indicated and ... hospitalization warranted - Code Excl 29 ... Inoculation or Vaccination (except for post-bite treatment and for medical treatment for ... therapeutic reasons) - Code Excl 31 ... Dental treatment or surgery unless necessitated due to accidental injuries and requiring ... hospitalization (Dental implants are not payable) - Code Excl 32 ... Hospital registration charges, admission charges, record charges, telephone charges ... and such other charges - Code Excl 34 ... Cost of spectacles and contact lens, hearing aids, Cochlear implants and procedures, walkers and crutches, wheel chairs, CPAP, BIPAP, Continuous Ambulatory Peritoneal Dialysis, infusion pump and such other similar aids - Code Excl 35 ... Any hospitalization which are not medically necessary / does not warrant hospitalization ... - Code Excl 36 ... Other Excluded Expenses as detailed in the website www.starhealth.in - Code Excl 37 ... Existing disease/s, disclosed by the insured and mentioned in the policy schedule under ... Permanent Exclusion (based on insured's consent) - Code Excl 38","sources":[{"clause":"Excl04","heading":"Investigation & Evaluation – Code Excl 04","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care – Code Excl 05: Expenses related to any","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control – Code Excl 06: Expenses related to the surgical treatment of","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery – Code Excl 08: Expenses for cosmetic or plastic surgery or","page":20,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports – Code Excl 09: Expenses related to any treatment","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl09"},{"clause":"Excl10","heading":"Breach of law – Code Excl 10: Expenses for treatment directly arising from or consequent","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers – Code Excl 11: Expenses incurred towards treatment in any hospital","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-excl11"},{"clause":"15","heading":"Refractive Error – Code Excl 15: Expenses related to the treatment for correction of eye","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-15"},{"clause":"16","heading":"Unproven Treatments","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-16"},{"clause":"17","heading":"Sterility and Infertility","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-17"},{"clause":"18","heading":"Maternity – Code Excl 18","page":21,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-18"},{"clause":"19","heading":"Circumcision (unless necessary for treatment of a disease not excluded under this policy","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-19"},{"clause":"20","heading":"Congenital External Condition / Defects / Anomalies – Code Excl 20","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-20"},{"clause":"21","heading":"Convalescence, general debility, run-down condition, Nutritional deficiency states","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-21"},{"clause":"22","heading":"Intentional self–injury - Code Excl 22","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-22"},{"clause":"23","heading":"Injury/disease caused by or arising from or attributable to war, invasion, act of foreign","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-23"},{"clause":"24","heading":"Injury or disease caused by or contributed to by nuclear weapons/ materials – Code Excl 25","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-24"},{"clause":"25","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-25"},{"clause":"26","heading":"Unconventional, Untested, Experimental therapies - Code Excl 27","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-26"},{"clause":"27","heading":"Autologous derived Stromal vascular fraction, Chondrocyte Implantation, Procedures","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-27"},{"clause":"28","heading":"Biologicals, except when administered as an in-patient, when clinically indicated and","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-28"},{"clause":"29","heading":"Inoculation or Vaccination (except for post–bite treatment and for medical treatment for","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-29"},{"clause":"30","heading":"Dental treatment or surgery unless necessitated due to accidental injuries and requiring","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-30"},{"clause":"31","heading":"Hospital registration charges, admission charges, record charges, telephone charges","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-31"},{"clause":"32","heading":null,"page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-32"},{"clause":"33","heading":"Any hospitalization which are not medically necessary / does not warrant hospitalization","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-33"},{"clause":"34","heading":"Other Excluded Expenses as detailed in the website www.starhealth.in – Code Excl 37","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-34"},{"clause":"35","heading":"Existing disease/s, disclosed by the insured and mentioned in the policy schedule under","page":22,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-35"}],"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":"cross-checked","value":"With 7 days written notice: for a policy term up to one year with no claim, proportionate premium for the unexpired period; for longer terms, premium for policy years not yet started. No refund if the Company cancels for misrepresentation, non-disclosure or fraud.","display":"Proportionate premium for the unexpired period if no claim (policy up to 1 year); premium for years not started (longer terms)","note":"Long term policies: refund after adjusting the long term discount. The wording does not say what is refunded on a one year policy that has had a claim.","quote":"i. The Policyholder may cancel his Policy any time during the term by giving 7 days written notice. In such an event, The Company shall ... a) refund proportionate premium for unexpired Policy period, if Policy term is up to one year and there is no claim (s) made during the Policy period. ... b) 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. ii. The Company may cancel the Policy at any time on grounds of misrepresentation, non-disclosure of material facts, fraud by the Insured Person by giving 15 days' written notice. There would be no refund of premium on cancellation on grounds of misrepresentation,non-disclosure of material facts or fraud.","sources":[{"clause":null,"heading":"6. Cancellation","page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-6-cancellation"},{"clause":"35(a)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-a-2"},{"clause":"35(b)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-2"}],"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":"cross-checked","value":"India only.","display":"India only","note":null,"quote":"22. Territorial Limit: All treatments under this Policy shall have to be taken in India.","sources":[{"clause":"35(b)","heading":null,"page":31,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-3"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New policies only, not renewals or porting; only if no claim made. Refund less proportionate risk premium, medical examination expenses and stamp duty.","quote":"The Policyholder 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.","sources":[{"clause":null,"heading":"13. Possibility of Revision of Terms of the","page":29,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-13-possibility-of-revision-of-terms-of-the"}],"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":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Monthly instalments: 15 days. Quarterly and half yearly instalments: 30 days.","quote":"i. At the end of the Policy period, the Policy shall terminate and can be renewed within the Grace Period of 30 days. ... i. For monthly instalment option: Grace Period of 15 days would be given to pay the instalment premium due for the Policy. ii. For Quarterly and Half yearly instalment option: Grace Period of 30 days would be given to pay the instalment premium due for the Policy.","sources":[{"clause":"35(b)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-ii"},{"clause":null,"heading":"10. Withdrawal of Policy","page":29,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-10-withdrawal-of-policy"}],"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":"cross-checked","value":"5 months to 65 years; Gold Plan 16 days to 65 years.","display":"5 months to 65 years (Gold Plan: 16 days to 65 years)","note":"Family Package Plan: age band 5 months to 45 years.","quote":"i. Any person aged between 5 Months and 65 years can take this insurance. ii. Gold Plan: Persons aged between 16 days and 65 years can take this insurance. iii. Beyond 65 years, only renewals will be accepted without capping on the exit age. ... iii. Plan is applicable for Age band of 5 months to 45 years.","sources":[{"clause":null,"heading":"I. Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-i-eligibility"},{"clause":null,"heading":"29. Special conditions applicable to Family","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-29-special-conditions-applicable-to-family"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Yearly","Half-yearly","Quarterly","Monthly"],"display":"Yearly, half-yearly, quarterly or monthly","note":"Instalment loading: monthly 4%, quarterly 3%, half yearly 2%. 2 and 3 year policies can be paid upfront as a single payment; if paid in instalments, the full premium must be paid within the first year.","quote":"V. Instalment Facility available: Premium can be paid Monthly or Quarterly or Half-yearly Incase of instalment mode of payment, there will be loading on annual premium as given below: i. Monthly: 4% ii. Quarterly: 3% iii. Half Yearly: 2% ... the premium for such policies can be paid upfront as a single payment. ... Note: If Instalment Facility is opted for 2 year and 3 year term policies, the full premium applicable for 2 year or 3 year terms should be paid monthly, quarterly or half yearly within the expiry of the first year.","sources":[{"clause":null,"heading":"III. What are the Basic Sum Insured options?","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-iii-what-are-the-basic-sum-insured-options"}],"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":"cross-checked","value":["Gold Plan","Patient Care","Hospital Cash","Star Extra Protect - Add on cover (SHAHLIA23061V012223)","Star Flexi (SHAHLIA26040V012526)"],"display":"Gold Plan, Patient Care, Hospital Cash; add-ons Star Extra Protect and Star Flexi","note":"Gold Plan replaces the base benefits when chosen and has its own premium chart. Patient Care: Rs.400 per day for an attendant at home after discharge, up to 5 days per occurrence and 14 days per policy period, insured above 60 only. Hospital Cash: Rs.1,000 per completed day, up to 7 days per hospitalisation and 14 days per policy period. Both are also available with the Gold Plan.","quote":"III. Optional Covers 1. Gold Plan ... 2. Patient Care: The Company will pay the cost of engaging one attendant at the residence of the Insured Person immediately after discharge from the hospital ... Such expenses are payable up to Rs.400/- for each completed day up to 5 days per occurrence and 14 days per Policy Period. ... This benefit is applicable only for Insured Persons above 60 years of age ... 3. Hospital Cash: The Company will pay a Cash Benefit of Rs.1,000/- for each completed day of hospitalization subject to a maximum of 7 days per hospitalization and 14 days per Policy Period ... Note: Patient Care and Hospital Cash are available on payment of additional premium under Gold Plan also. ... 5. Add-on cover: Star Extra Protect – Add on cover| UIN: SHAHLIA23061V012223 and its subsequent revisions. Star Flexi | UIN: SHAHLIA26040V012526 and its subsequent revisions These Add on covers can be availed along with this Product.","sources":[{"clause":null,"heading":"III. Optional Covers 1. Gold Plan","page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-iii-optional-covers-1-gold-plan"},{"clause":null,"heading":"P. Hospitalization expenses for treatment","page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-p-hospitalization-expenses-for-treatment"},{"clause":null,"heading":"X. Important Note Applicable under the policy","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-x-important-note-applicable-under-the-policy"}],"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":"cross-checked","value":"No cover during the renewal grace period, although continuity is kept; for premium paid in instalments, cover continues during the grace period.","display":"Not covered in the renewal grace period; covered in the instalment grace period","note":null,"quote":"ii. While coverage is not available during the Grace Period, if the Policy is renewed during the Grace Period, all the credits (Sum Insured, No Claim Bonus, Specific Waiting Periods, Waiting period for Pre-Existing Diseases, Moratorium period etc.) accrued under the Policy shall be protected. ... viii) For premium paid in instalments during the Policy period, coverage is available during the grace period also.","sources":[{"clause":"35(b)(ii)","heading":null,"page":28,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-ii"},{"clause":"35(b)(viii)","heading":null,"page":29,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-b-viii"}],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"cross-checked","value":"2% of the Basic Sum Insured, maximum Rs.5,000 per day.","display":"2% of Basic Sum Insured, up to Rs.5,000 per day","note":"Both PDFs print one merged cell, 2% of Basic Sum Insured maximum of Rs.5,000 per day, against every sum insured from Rs.1,50,000 to Rs.15,00,000; the text extraction split it across rows. Gold Plan: up to Rs.5,000 per day at Rs.3,00,000 and 4,00,000; Private Single A/c Room at Rs.5,00,000 and above.","quote":"i) Room, boarding, nursing expenses as provided by the Hospital / Nursing Home as per the limits given below; ... 2% of Basic Sum ... Insured maximum ... of Rs.5,000/- per ... 1,50,000/- | 2% of Basic Sum Insured maximum of Rs.5,000/- per day","sources":[{"clause":"1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-1-i"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-1-i"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"cross-checked","value":"The base cover sets no room category; the room limit is 2% of the Basic Sum Insured, up to Rs.5,000 per day.","display":"No room type: a rupee limit of 2% of Basic Sum Insured, up to Rs.5,000 per day","note":"Gold Plan: up to Rs.5,000 per day at Rs.3,00,000 and 4,00,000; Private Single A/c Room at Rs.5,00,000 and above. Under the Gold Plan, a shared room in a network hospital for more than 48 hours pays Rs.500 per day (max Rs.3,000) at Rs.3,00,000 to 7,50,000 and Rs.1,000 per day (max Rs.6,000) at Rs.10,00,000 and above.","quote":"i) Room, boarding, nursing expenses as provided by the Hospital / Nursing Home as per the limits given below; ... 2% of Basic Sum ... Insured maximum ... of Rs.5,000/- per ... 1,50,000/- | 2% of Basic Sum Insured maximum of Rs.5,000/- per day ... 3,00,000 | Up to Rs.5,000/- per day ... 5,00,000 | Private Single A/c Room","sources":[{"clause":"1(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-1-i"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-1-i"},{"clause":null,"heading":"VIII. Gold Plan","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-viii-gold-plan"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"cross-checked","value":"No separate ICU limit; ICU charges are paid up to the sum insured.","display":"No separate limit, up to the sum insured","note":"ICU charges are outside the proportionate deduction.","quote":"up to the Sum Insured specified in the Policy Schedule against this In-Patient treatment: ... iii. Anesthesia, Blood, Oxygen, Operation Theatre charges, ICU charges ... Associated Medical Expenses does not include cost of pharmacy and consumables, cost of implants and medical devices and cost of diagnostics, ICU charges and hence proportionate deduction will not be applicable on these items.","sources":[{"clause":"1","heading":"In-patient Treatment: We will cover the","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-1"},{"clause":"3","heading":"The expenses incurred on treatment of","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-3"},{"clause":null,"heading":"Associated medical expenses","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-associated-medical-expenses"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"cross-checked","value":"Yes. Associated medical expenses (nursing, operation theatre and doctors' fees) are paid in proportion to the eligible room rent; pharmacy, consumables, implants, diagnostics and ICU charges are not cut, and no deduction applies in hospitals without differential billing.","display":"Yes, on associated medical expenses; not on medicines, consumables, implants, diagnostics or ICU","note":"The wording's Important Note 3 says expenses relating to hospitalization are considered in proportion to the eligible room category, which reads wider than the Associated Medical Expenses definition. The Gold Plan has the same rule.","quote":"Associated Medical Expenses means expenses that shall include the applicable nursing charges, Operation theatre charges, Professional fees of Medical Practitioner including Surgeon/ anesthetist / Physician/Specialist of the Hospital where the Insured Person has been admitted and treated and hence Proportionate deduction will be applicable on these items. Associated Medical Expenses does not include cost of pharmacy and consumables, cost of implants and medical devices and cost of diagnostics, ICU charges and hence proportionate deduction will not be applicable on these items. ... Note: Expenses relating to Associated Medical Expenses will be considered in proportion to the eligible room rent/room category stated in the policy schedule or actuals whichever is less. Proportionate deductions are not applied in respect of the hospitals which do not follow differential billing ... 3. Expenses relating to hospitalization will be considered in proportion to the eligible room category stated in the Policy or actual whichever is less.","sources":[{"clause":null,"heading":"Associated medical expenses","page":7,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-associated-medical-expenses"},{"clause":"1(i)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-1-i"},{"clause":null,"heading":"P. Hospitalization expenses for treatment","page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-p-hospitalization-expenses-for-treatment"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"cross-checked","value":"10% of every claim for insured persons who enter the policy at age 61 or above; none for those who joined before 61 and renew without a break.","display":"10% if age at entry is 61 or above; otherwise none","note":"Applies to the base cover and the Gold Plan; no zone-based co-payment.","quote":"4. Co-payment (Not Applicable for Patient Care and Hospital Cash): This Policy is subject to co-payment of 10% of each and every claim amount, for fresh as well as for the policies subsequently renewed for Insured Persons whose age at the time of entry in to this Policy is 61 years and above. This co-payment will not apply for those Insured Persons who have entered the Policy before attaining 61 years of age and renew the Policy continuously without any break.","sources":[{"clause":null,"heading":"P. Hospitalization expenses for treatment","page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-p-hospitalization-expenses-for-treatment"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"The documents mention no deductible.","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"cross-checked","value":["Cataract: Rs.12,000 per person per policy period (sum insured up to Rs.2,00,000)","Cataract: Rs.20,000 per eye, not exceeding Rs.30,000 per person per policy period (Rs.3,00,000 to Rs.7,50,000)","Cataract: Rs.30,000 per eye, not exceeding Rs.40,000 per person per policy period (Rs.10,00,000 and Rs.15,00,000)","Modern treatments (uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radio surgeries, stem cell therapy): a limit per person per policy period for each treatment, by sum insured","Home Care Treatment for listed conditions: up to 10% of the Basic Sum Insured in a policy year"],"display":"Cataract Rs.12,000 to Rs.40,000 by sum insured; modern treatments capped per treatment; home care up to 10% of sum insured","note":"Modern treatment limits run from Rs.5,000 (balloon sinuplasty and intra vitreal injections at Rs.1,50,000) to Rs.5,00,000 (immunotherapy at Rs.15,00,000); bronchial thermoplasty, prostate vaporisation and IONM are paid up to the sum insured (one merged cell in the table). Post-hospitalisation is capped at 7% of hospitalisation expenses, up to Rs.5,000. Gold Plan cataract: Rs.30,000 per eye and Rs.40,000 per person (Rs.3,00,000 to 7,50,000), Rs.40,000 and Rs.50,000 (Rs.10,00,000 and 15,00,000), Rs.45,000 and Rs.60,000 (Rs.20,00,000 and 25,00,000); Gold Plan modern treatment limits are higher at Rs.3,00,000, 20,00,000 and 25,00,000.","quote":"up to Rs.2,00,000/- | 12,000/- per person, per Policy Period ... Rs.3,00,000/- to Rs.7,50,000/- | 20,000/- per eye per person and not exceeding 30,000/- per person per Policy Period ... Rs.10,00,000/- and Rs.15,00,000/- | 30,000/- per eye per person and not exceeding 40,000/- per person per Policy Period ... 5 Coverage for Modern Treatments: The expenses payable during the entire Policy Period for ... is limited to the amount mentioned in table below; ... Uterine artery Embolization and HIFU | Balloon Sinuplasty | Deep Brain Stimulation | Oral Chemotheraphy* (Sublimits including pre & Post Hospitalization) | Immunotheraphy- Monoclonal Antibody to be given as injection | Intra Vitreal injections ... Limit per Person per Policy Period for each treatment / procedure Rs. ... Robotic surgeries | Stereotactic radio surgeries ... Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions ... Payable up to 10% ... of the Basic Sum Insured in a Policy Year, for treatment availed by the Insured Person at home, only for the specified conditions mentioned below","sources":[{"clause":"3","heading":"The expenses incurred on treatment of","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-3"},{"clause":"5","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period for","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-5"},{"clause":"9","heading":"Home Care Treatment: Payable up to 10%","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-9"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Same 30 days under the Gold Plan.","quote":"6 Pre-Hospitalization medical expenses ... incurred for a period not exceeding 30 days prior to the date of hospitalization","sources":[{"clause":"6","heading":"Pre-Hospitalization medical expenses","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-6"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"cross-checked","value":{"unit":"days","amount":60},"display":"60 days, up to 7% of hospitalisation expenses (max Rs.5,000)","note":"Gold Plan: 60 days without the 7% / Rs.5,000 cap.","quote":"incurred for a period up to 60 days from the date of discharge from the hospital. The amount payable shall not exceed the sum equivalent to 7% of the hospitalization expenses subject to a maximum of Rs.5,000/- per hospitalization.","sources":[{"clause":"7","heading":"Post-Hospitalization medical expenses","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-7"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"cross-checked","value":"All day care treatments are covered up to the sum insured.","display":"All day care treatments, up to the sum insured","note":null,"quote":"2 Day Care Treatment: We will cover the ... Medical Expenses incurred in respect of All Day Care Treatments of the Insured Person during the Policy Period up to the Sum Insured as specified in the Policy Schedule","sources":[{"clause":"2","heading":"Day Care Treatment: We will cover the","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"cross-checked","value":"Home Care Treatment for listed conditions on a doctor's advice, up to 10% of the Basic Sum Insured in a policy year, cashless through network providers.","display":"Home care for listed conditions on a doctor's advice, up to 10% of Basic Sum Insured a year","note":"Listed conditions include fever and infectious diseases, urinary tract infections, asthma and COPD, gastroenteritis, IV chemotherapy, palliative cancer care, vertigo, diabetic foot, disc disease and post-surgery, brain injury or post-stroke care. Domiciliary hospitalisation for more than three days is covered only under the Gold Plan, which excludes asthma, bronchitis, diabetes, hypertension, psychiatric disorders and other listed conditions.","quote":"Payable up to 10% ... of the Basic Sum Insured in a Policy Year, for treatment availed by the Insured Person at home, only for the specified conditions mentioned below ... i) The Medical practitioner advises the Insured Person to undergo treatment at home ... service on cashless basis from the list of Network service providers ... K. Domiciliary hospitalization treatments for ... a period exceeding three days: Coverage for medical treatment (Including AYUSH) for a period exceeding three days","sources":[{"clause":"9","heading":"Home Care Treatment: Payable up to 10%","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-9"},{"clause":null,"heading":"K. Domiciliary hospitalization treatments for","page":17,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-k-domiciliary-hospitalization-treatments-for"}],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"cross-checked","value":"In-patient Ayurveda, Unani, Siddha and Homeopathy treatment in an AYUSH Hospital up to the Basic Sum Insured; Yoga and Naturopathy claims need prior approval.","display":"Up to the Basic Sum Insured in an AYUSH Hospital","note":null,"quote":"for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the Basic Sum Insured. Note: Claims under Yoga and Naturopathy systems of treatment will be payable subject to prior approval from the Company.","sources":[{"clause":"4","heading":"AYUSH Treatment: Medical expenses","page":9,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-4"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"cross-checked","value":"Covered as day care or in-patient, with a separate limit per person per policy period for each treatment that rises with the sum insured.","display":"Covered with per-treatment limits by sum insured (e.g. robotic surgery Rs.25,000 at Rs.1,50,000 to Rs.4,00,000 at Rs.15,00,000)","note":"Treatments: uterine artery embolisation and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injections, robotic surgeries, stereotactic radio surgeries, bronchial thermoplasty, prostate vaporisation, IONM, stem cell therapy. In the second table one merged cell gives bronchial thermoplasty, prostate vaporisation and IONM up to the sum insured; robotic surgery, stereotactic radio surgery and stem cell therapy have rupee limits. Oral chemotherapy limits include pre and post hospitalisation. Restoration does not apply to modern treatments. Gold Plan limits are higher at low sums insured (e.g. robotic surgery Rs.1,50,000 at Rs.3,00,000).","quote":"The expenses payable during the entire Policy Period for ... the following treatment / procedures (either as a day care or as in-patient exceeding 24hrs of admission in the hospital) is limited to the amount mentioned in table below; ... Robotic surgeries ... 1,50,000/- | 25,000/- | 25,000/- | Up to Sum Insured | 25,000/- ... 15,00,000/- | 4,00,000/- | 2,50,000/- | 4,00,000/-","sources":[{"clause":"5","heading":"Coverage for Modern Treatments: The expenses payable during the entire Policy Period for","page":10,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"cross-checked","value":"Gold Plan only: the donor's in-patient hospitalisation expenses are paid when the transplant claim is payable; donor screening and post-donation complications are not paid.","display":"Gold Plan only: donor's in-patient costs paid","note":"The base cover's benefit list does not mention organ donor expenses. Transplants carry the 24 month specific waiting period.","quote":"I) Organ Donor Expenses: In patient hospitalization expenses incurred for organ transplantation from the Donor to the recipient Insured Person are payable provided the claim for transplantation is payable. Donor screening expenses and post-donation complications of the donor are not payable.","sources":[{"clause":"14(I)","heading":"Organ Donor Expenses","page":16,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-14-i-2"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"cross-checked","value":"Road ambulance up to Rs.750 per hospitalisation and Rs.1,500 per policy period, after an admissible hospitalisation claim.","display":"Road: Rs.750 per hospitalisation, Rs.1,500 per policy period","note":"Gold Plan: up to Rs.2,000 per hospitalisation. No air ambulance cover is mentioned.","quote":"hospitalization claim, road ambulance expenses up to Rs. 750/- per hospitalization and up to Rs.1,500/- per Policy Period shall be payable ... H. Road Ambulance: Subject to an admissible hospitalization claim, road ambulance expenses up to Rs. 2,000/- per hospitalization shall be payable","sources":[{"clause":"8","heading":"Road Ambulance: Subject to an admissible","page":11,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-8"},{"clause":"14(iii)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-14-iii"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"cross-checked","value":"Automatic restoration of 200% of the Basic Sum Insured, once a policy period, after the limit of coverage is exhausted, only for illnesses unrelated to earlier claims; not for modern treatments; not carried forward.","display":"200% of Basic Sum Insured, once a year, unrelated illnesses only","note":"Gold Plan adds Super Restoration: 100% once a year, usable even for the same illness, plus 50% extra for a two-wheeler road accident with helmet. Not available under the Family Package Plan.","quote":"There shall be Automatic Restoration of the Basic Sum Insured by 200%, once during the Policy Period, immediately upon exhaustion of the limit of coverage, which has been defined. It is made clear that such restored Basic Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made. The restored Basic Sum Insured cannot be carried forward. This benefit is not available for Modern Treatment.","sources":[{"clause":"11","heading":"Automatic Restoration of Sum Insured","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-11"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"cross-checked","value":"Cumulative bonus of 5% of the Basic Sum Insured for each claim free year, up to 25%; after a claim it is reduced at the same rate it accrued.","display":"5% a claim-free year, up to 25%","note":"Gold Plan: 25% in the second year and 20% each later claim free year, up to 100%. Not available under the Family Package Plan.","quote":"will be eligible for Cumulative Bonus calculated at 5% of the Basic Sum Insured for every claim free year subject to a maximum of 25%. ... a) Partial utilization of Basic Sum Insured, such Cumulative Bonus so granted will be reduced at the same rate at which it has accrued.","sources":[{"clause":"10","heading":"Cumulative Bonus: The Insured Person","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-10"},{"clause":null,"heading":"Special Conditions","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-special-conditions"}],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-stated","value":null,"display":null,"note":"Consumables are outside the proportionate deduction, but the documents do not say whether they are paid; Code Excl 37 points to other excluded expenses listed on the website, and the annexure lists items to be subsumed into room, procedure and treatment charges.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"cross-checked","value":"Not covered: childbirth, miscarriage (unless due to accident) and lawful termination are excluded, except ectopic pregnancy.","display":"Not covered (except ectopic pregnancy)","note":null,"quote":"a) Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy ... b) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during the Policy period","sources":[{"clause":"18","heading":"Maternity - Code Excl 18","page":24,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-18"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"cross-checked","value":"Gold Plan only: hospitalisation of the new born baby from the 16th day after birth, up to 10% of the Basic Sum Insured or Rupees Fifty thousand, whichever is less, if the mother has been insured for 12 months.","display":"Gold Plan only: from the 16th day, up to 10% of Basic Sum Insured or Rupees Fifty thousand, whichever is less","note":"The birth must be intimated and the policy endorsed. The base cover has no new born benefit; entry age for the base cover starts at 5 months.","quote":"of New Born Baby: The coverage for New Born Baby starts from the 16th day after its birth till the expiry date of the Policy Year and is subject to a limit of 10% of the Basic Sum Insured or Rupees Fifty thousand, whichever is less, subject to the availability of the Basic Sum Insured, provided the mother has been Insured under the Policy for a continuous period of 12 months without break.","sources":[{"clause":null,"heading":"P. Hospitalization expenses for treatment","page":18,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-p-hospitalization-expenses-for-treatment"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":"No clause on mental illness. The Gold Plan's domiciliary cover excludes all psychiatric or psychosomatic disorders.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"cross-checked","value":"One preventive health check-up per policy year per adult insured at network providers, Package A for Basic Sum Insured Rs.2,00,000 to Rs.15,00,000, after a 30 day initial waiting period.","display":"Once a policy year per adult (Package A), after 30 days","note":"No package is listed for Rs.1,50,000. Gold Plan: Package A (Rs.3,00,000 to 7,50,000), B (Rs.10,00,000 and 15,00,000), C (Rs.20,00,000 and 25,00,000). Family Package Plan: one adult only per year. Does not reduce the sum insured.","quote":"Basic Sum Insured | Rs.2,00,000/- to Rs.15,00,000/- ... Package applicable | Package A ... i) An initial waiting period of 30 days shall apply from the first inception of Policy. This waiting period shall not be applicable during subsequent renewals. ii) Health Check-up can be availed once per Policy Year per Insured Person who is covered as Adult in the Policy","sources":[{"clause":"12","heading":"Preventive Health Check-up: We will","page":12,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-12"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"cross-checked","value":"Outpatient treatment costs are not covered (the policy pays in-patient hospitalisation); unlimited tele-consultations with doctors are provided through the Star Health app or digital platforms.","display":"Unlimited tele-consultations; outpatient treatment costs not covered","note":"Referral charges are borne by the insured. The day care definition also leaves out treatment normally taken on an out-patient basis. AI-driven face scan up to two times a month.","quote":"to incur Hospitalization expenses for Medical / Surgical treatment at any Nursing Home / Hospital in India as an In-patient ... 13 Unlimited Tele-Consultation: We will arrange ... Tele Consultations with qualified Medical Practitioner or Healthcare professional ... iv) There shall be no maximum limit on the count of Tele-Consultations that can be availed in a Policy Year by each Insured Person. ... v) We/Medical Practitioner/Health care professional may refer the Insured Person to another specialist or a general physician (outside of our empaneled network) if required, and the charges for such specialist or a general physician will have to be borne by the Insured Person.","sources":[{"clause":null,"heading":"II. Coverage","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-ii-coverage"},{"clause":"13","heading":"Unlimited Tele-Consultation: We will arrange","page":13,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-13"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"cross-checked","value":"Yes. Premium differs between Zone 1 (Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda, Surat) and Zone 2 (rest of India).","display":"Premium by zone: Zone 1 (metros listed) and Zone 2 (rest of India)","note":"The only co-payment depends on age at entry, not zone. Medical underwriting may also depend on zone.","quote":"Premium Chart for 1 year Policy Term Zone 1: Mumbai, Thane, Delhi (including Faridabad, Gurgaon, Ghaziabad and Noida), Ahmedabad, ... Zone 2: Rest of India (other than those mentioned in Zone 1) ... Zone 1: Mumbai, Thane, Delhi (including Faridabad, Gurgaon, Ghaziabad and Noida), Ahmedabad, Baroda and Surat. ... This will vary/depend upon the Sum Insured/ Medical History/ Zone and Age.","sources":[{"clause":null,"heading":"Premium in Rs. (Excluding GST)","page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-premium-in-rs-excluding-gst"},{"clause":null,"heading":"Zone 2: Rest of India (other than those mentioned in Zone 1)","page":30,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-zone-2-rest-of-india-other-than-those-mentioned"},{"clause":null,"heading":"Zone 1","page":8,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-zone-1"},{"clause":null,"heading":"I. Eligibility","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-i-eligibility"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"cross-checked","value":"Yes, in network hospitals after pre-authorisation; at non-network hospitals the insured pays and claims reimbursement.","display":"Yes, at network hospitals","note":"Home Care Treatment is also available cashless through network providers.","quote":"i) Cashless facility can be availed only in networked Hospitals. For details of Networked Hospitals, the Insured may visit www.starhealth. in or contact the nearest branch ... In non-network hospitals, payment must be made up-front and then reimbursement will be effected on submission of documents.","sources":[{"clause":"35(i)","heading":null,"page":25,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-35-i"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"cross-checked","value":"Star Health itself: pre-authorisation forms are submitted to and processed by the Company.","display":"Star Health itself; no TPA named","note":"Condition 31 also lets an authorised Third-Party Administrator follow up reimbursement claims, without naming one.","quote":"e. The Treating Doctor will complete the hospitalization/ treatment information and the hospital will fill up expected cost of treatment. This form is submitted to the Company f. The Company will process the request and call for additional documents / clarifications if the information furnished is inadequate","sources":[{"clause":null,"heading":"2. Claim Settlement A. Condition Precedent to Admission","page":25,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-2-claim-settlement-a-condition-precedent-to-admi"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"cross-checked","value":false,"display":"No (individual sum insured)","note":"Individual sum insured. The Family Package Plan covers a family under one policy but splits the sum insured equally with no sharing.","quote":"This Policy Provides for Regular Hospitalization benefit on Individual basis. ... iv. The Basic Sum Insured is to be equally apportioned among all the persons Insured. ... v) Each family member is covered up to his/her limit only. ... vi) No transfer of unutilized balance Basic Sum Insured to other Insured Persons is permissible.","sources":[{"clause":null,"heading":"MEDI CLASSIC INSURANCE POLICY (INDIVIDUAL)","page":2,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344#c-medi-classic-insurance-policy-individual"},{"clause":null,"heading":"29. Special conditions applicable to Family","page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-29-special-conditions-applicable-to-family"},{"clause":"Excl01(v)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl01-v"},{"clause":"Excl01(vi)","heading":null,"page":33,"url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343#c-excl01-vi"}],"law":[]}],"documents":[{"kind":"wording","label":"Medi Classic Insurance Policy(Individual) SHAHLIP26047V092526","pages":36,"fetched_at":"2026-10-19 16:40:23.296673+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Policy_Medi_Classic_Insurance_Policy_Individual_V_24_efeec2343d.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/343"},{"kind":"wording","label":"Medi classic Insurance Policy (Individual) (IRDAI copy)","pages":12,"fetched_at":"2026-10-20 02:35:57+00","source_url":"https://irdai.gov.in/documents/37343/931203/SHAHLIP22037V062122_HEALTH2059.pdf/84822312-a2d1-d529-e565-57220ba65d83?version=1.1&t=1668770652811&download=true","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/28882"},{"kind":"prospectus","label":"Medi Classic Insurance Policy (Individual)","pages":32,"fetched_at":"2026-10-19 16:40:23.296673+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Prospectus_Medi_Classic_Insurance_Policy_Individual_V_12_37dd902200.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/344"},{"kind":"cis","label":"Medi Classic Insurance Policy (Individual)","pages":18,"fetched_at":"2026-10-20 01:54:04+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/CIS_Medi_Classic_Insurance_Policy_Individual_V_2_c82b6ef8f2.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/31301"},{"kind":"brochure","label":"Medi Classic Insurance Policy (Individual)","pages":20,"fetched_at":"2026-10-20 01:51:07+00","source_url":"https://d28c6jni2fmamz.cloudfront.net/Brochure_Medi_Classic_Insurance_Policy_Individual_V_17_Web_93737c396f.pdf","url":"https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526/document/31260"}],"versions":[{"uin":"SHAHLIP22037V062122","version":null,"approved_on":null},{"uin":"SHAHLIP26047V092526","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 Insurance Policy (Individual) (UIN SHAHLIP26047V092526), IndiaInsurances, https://indiainsurances.com/policy/star-health-and-allied-insurance/medi-classic-insurance-policy-individual-shahlip26047v092526"}