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Insurance Medi Classic Insurance Policy


Medi-Classic Insurance Policy (Individual)

A favorite insurance plan with family package, health benefits and bonus options.


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



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%.


* For more details, contact the nearest branch or Click here to refer product brochures.