Medi-Classic Insurance Policy (Individual)

High Lights

• No-claim bonus: No-claim bonus of 5% for every claim free year up to 25%.
• Health checkup: Health checkup costs up to Rs.5,000/- for every block of 4 claim free years.
• Automatic restoration: Automatic restoration of entire Sum insured by 200%.
• Optional Covers: Hospital cash and patient care cover.
• Day-care procedures: 101 day-care procedures covered.
• Non-Allopathic Treatments: Non-Allopathic Treatments covered up-to specified limits

Benefits
Hospitalization Cover:

• Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
• Ambulance charges for emergency transportation to hospital as per specified limits.
• Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
• Post-hospitalization paid as lump-sum upto the limit specified.
• 101 Day-care treatments covered.

Pre-Existing Diseases / Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.Add-on covers (subject to payment of additional premium):

• Patient Care: Available for persons above 60 years. Pays for attendant charges after discharge from hospital for maximum 5 days per hospitalization and 14 days per policy period.
• Hospital Cash: Hospital cash benefit for each completed day of hospitalization.

Health Check-up benefits:

• 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.

HIV Persons Coverage: This policy can be taken by HIV positive persons provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered.

Bonus: Bonus calculated at 5% of the basic sum insured for every claim-free year subject to a maximum of 25% is allowable. In the event of the claim the bonus will reduced by 5%.