Protect Your Family with Star Medi-Classic Insurance Policy

The importance of a health insurance plan in our lives cannot be underrated. We need it, we want, we know the worth of it. Still, with the everyday hustle and bustle, we tend to ignore our health or take it lightly to own a medical insurance plan. But believe us, it is a serious business! With the ever growing medical treatment prices or in the era of medical inflation, where treatment costs seemed to be sky-high, only a health insurance plan can rescue you by providing financial protection is a crisis time.

As thousand of insurance companies have entered the market with lots of attractive health plans. It might be difficult for one to choose the best deal. However, among the leading health insurers, Star Health is a reputed name that has been serving since ages and able to win the trust of the customers. Star medical insurance policy or health insurance policies are worth investing on because of the health benefits it offers. In this article we discuss Star Medi-classic Insurance plan, which is an individual health insurance policy, offered by Start Health.

Star Medi-Classic Insurance Policy- at a Glance

Policy Name: Medi-classic Insurance Policy

Policy Tenure: Tenure is available for one year and two years. 5% discount is imposed on policy premium for two-year policy on the payment of two-year premium.

Policy Benefits:

Hospitalisation Cover	Add-on Benefits	Auto-restoration of Sum Insured	Bonus	Family Package	Medical Check-up	Pre-existing Illness Cover
The policy offers in-patient hospitalization cost, room rent, cost of surgeon, consultants, medicines and drugs, Anesthetist, nursing and boarding etc.	Insured can avail patient-care benefit for the person above 60 years old.	You can avail restoration benefits in case the sum insured is exhausted but the policy tenure has not expired yet.	For every claim-free year earn NCB bonus of 5% up to the maximum of 25%.	You can avail family package benefit from 15 days to 45 years.	Free health check-up benefits on every four claim-free years.	Pre-existing illness is covered after  48 days, only if the policy is continued without any break.
Ambulance charges up to specific limit	It pays for the attendant costs after discharge for maximum 5 days per hospitalization and 14 days as per policy period.	The auto restoration of sum insured will be done to the original amount only once. Restored sum insured can be used for remaining policy period if any illness occurs	In case of any claim during the tenure, the earned bonus will be reduced by 5%.	The sum insured in equally allocated to each family members and Medical check-ups are done based on the Sum Insured	This benefit is only available for sum insured of Rs. 2,00,000 or above	HIV positive persons can be added only if the CD 4 count is above 350.
101 day-care treatment	Also avail hospital cash benefit for each hospitalization day			Optional New Born Baby cover is also there
Non-allopathic treatment cover up to defined limit

Why Star Health Policy?

• ·         Settle your claim without an agent. In-house claim settlement is provided.
• ·         Quick and tranquil claim settlement
• ·         Avail cashless hospitalization at more than 8200 network hospitals in India
• ·         Maintain your personal health record digitally.

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Maternity Cover is Indispensable: Here’re the Reasons

Maternity is one of the most precious moments for a woman. It is a crucial time when one needs to plan about few things and financial planning tops the list. After all, quality maternity care is what a pregnant woman only needs to ensure good health of the mother as well as the infant. Sometimes good maternity care and medical treatment can be availed after a huge monetary drain in most of the private hospitals in India due to medical inflation. Even if one bears the same, rearing a child is again an expensive affair. Therefore, a well-structured maternity insurance policy will not only ease off the growing expense of childcare but also allow you to enjoy each moment of this blissful feeling without panicking about the financial burden.

 However, there are mediclaim policies such as Star Health Mediclaim Policy, Apollo Munich Mediclaim Policy, Religare Mediclaim Policy, Bajaj Allianz Mediclaim Policy and so on. However, some of them cover maternity, while some others offer it as an add-on benefit. But whatever it is, it is essential especially for those who are working couples and planning to enter parenthood at their later age.

4 Reasons Why You Need a Maternity Insurance Plan

We guess the below reasons are enough to justify the need of a maternity plan:

It Acts as a Financial Back-up

A maternity plan covers medical expenses related to both normal and caesarean delivery. So, you ensure about no financial stress throughout. Some policies even cover pre and post hospitalisation costs, up to 30 and 60 days respectively. These plans also provide coverage for doctors fee, surgeon’s fee, room rent, anaesthetist consultation, nursing cost etc.

Private Hospitals are Way-expensive

When it comes to maternity, preference is given to private hospitals over the government. It is again a costlier affair as private hospitals these days seem to be expensive due to the world-class health care. Sometimes, it beats the five-star hotels in terms of tariff and luxury. A normal delivery in these hospitals could cost between 50,000-70,000 while in case of caesarean it costs around Rs. 40,000-80,000 or more. Moreover, maternity complications are highly erratic that you can’t assume what affects the final costs. Here comes your maternity benefit plan that works as a soothing balm.

Covers the Infant From the Day-1

No health insurance policies cover newborn baby until they turn 90 days old. That’s why owning a maternity plan benefits you as it cover the infant from the day-1. With some policies, you can avail cover for the vaccination costs from the time baby born till the last date of the policy.

Helps You in Entering the New Phase without a Financial Burden

Today’s generation appreciates having a family with proper planning. Most couples tend to delay their baby planning due to the expenses that come along with a baby. But with insurance plans that come with sub-limit, you can plan your family without bothering for financial burden. Also, some insurance companies also offer maternity benefit within its family floater plan. In this case, if your spouse is already covered, you can add your child as well.

Usually, your insurer will allow you to purchase the maternity only when you conceive. They may reject your application if you are already pregnant. Again, one has t o serve the defined waiting period for avail the benefits of maternity insurance plan. 

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