Medi Classic is a health insurance plan that provides for reimbursement of hospitalization expenses incurred as a result of illness/diseases/sickness and/or accidental injuries, so that you can keep your dreams alive
Title |
Description |
Room Rent Limit |
Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/.
Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room. |
ICU Daily Rent Limit |
Basic Plan:- 2% of sum insured subject to maximum of Rs.5000/.
Gold Plan:- For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room. |
Pre-Hospitalization Expenses |
Up to 30 days prior to admission in the hospital. |
Post Hospitalization Expenses |
Up to 60 days from the date of discharge from the hospital. |
Minimum Hospitalization Period |
24 hours. |
Day Care Procedure Coverage |
All day-care procedures covered. |
Automatic Restoration of Sum Insured |
There shall be automatic restoration of the Basic Sum Insured by 200%, once during the policy period. Super Restoration under gold plan- up to 100% of basic sum insured for same ailment in subsequent hospitalization. |
Pre-Existing Disease / Illness coverage |
48 months for pre-existing disease. |
Waiting Period for New Policy |
First 30 days for illness/disease (other than accidents). |
Free Health Checkup |
Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for sum insured of Rs. 2,00,000/- and above only. |
Ambulance Expenses |
Basic Plan:-Emergency Ambulance charges upto a sum of Rs.750/- per hospitalization and Rs.1500/- per policy period.
Gold Plan:-up to Rs.2000/- per hospitalization. |
Non-Allopathic Treatments |
Up to 25% of the Basic Sum Insured subject to a maximum of Rs 25000/- during entire policy period. |
New Born Baby Cover |
Under Gold Plan:-The coverage for new born baby starts from the 16th day after its birth and is subject to a limit of 10% of the Sum Insured or Rupees Fifty thousand, whichever is less. |
Donor Expenses |
Organ Expenses incurred for organ transplantation from the Donor to the recipient insured person are payable provided the claim for transplantation is payable. |
Nursing Allowance |
Under Basic Plan 2% of sum insured subject to maximum of Rs.5000/.
Under Gold Plan: For sum insured of Rs. 3,00,000/- and Rs. 4,00,000/- is payable up to 5000/- per day and Above Rs.5,00,000/- Private Single A/c Room |