Medi Classic Insurance

Any person between 5 months and 65 years can avail this policy.

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.

Post-hospitalisation medical expenses up to 60 days from the date of discharge are covered as per the limits mentioned in the policy clause.

Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 2% of the basic Sum Insured of Rs. 5000/- per day.

Ambulance charges up to Rs. 750/- per hospitalisation and over all limit of Rs. 1,500/- per policy period for transportation of the insured person by private ambulance service are covered.

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.

Expenses incurred for the treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in AYUSH hospitals are covered up to 25% of the Sum Insured subject to the maximum of Rs. 25,000/- during the policy period.

Expenses incurred for Cataract treatment are covered up to the limits mentioned in the policy clause.

On exhaustion of the limit of coverage during the policy period, 200% of the basic Sum Insured will be restored once during the policy year that can be utilised for illness or disease unrelated to illness or disease for which claims were made.

Expenses incurred for the treatment of Psychiatric and Psychosomatic disorders for the first time are covered if the insured person is hospitalised for 5 consecutive days.

Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefits will be calculated on the policy Sum Insured and equally divided among all the insured persons.

The insured person 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% of the basic Sum Insured.

Expenses incurred towards the cost of health check-ups are covered up to 1% of the basic Sum Insured subject to the maximum of Rs. 5000/- for the basic Sum Insured of Rs. 2,00,000/- and above. The insured person is eligible for this benefit after every block of four claim free years subject to a continuous coverage.

This policy is subjected to a Co-payment of 10% of each and every admissible claim amount, for fresh as well as for the policies subsequently renewed for insured persons whose age at the time of entry into this policy is 61 years and above.