Medi Classic Insurance Policy Eligibility

  • Min Child age: 5 months
  • Max adult age: 65yrs
  • Max child age: 21yrs
  • Members covered: Individual
  • Policy Period: Policy available for 1yr and 2yr
  • Policy Available for: Sum Insured Rs.1.5L-15L

Medi Classic Insurance Policy Benefits

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

Medi Classic Insurance Policy Features

  • Non-Allopathic Treatments: 
    • Covered up-to specified limits.
  • 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 hospitalisation and 14 days per policy period.
    • Hospital Cash: Hospital cash benefit for each completed day of hospitalization.
  • Policy Term:
    • Policy is available for one year term and two years term. In case of two year policy a discount of 5% on the two year premium paid, available.
  • Family Package:
    • Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons.
    • Optional Benefit of New Born Baby cover available under this Plan. Sum Insured : 10% of the mother's sum insured. Premium : 10% of the policy premium.
  • 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.
  • Automatic Restoration of Sum Insured (not appilcable for Family Package):
    • In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 200% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made.
  • 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%.
    • Bonus is not available for Family Package Plan.

Medi Classic Insurance Policy Claim Process

When the member of the covered family is aware of the hospitalisation in advance.In case of planned hospitalisation:
  • Please contact the toll-free help line: 1800 425 2255
  • Fax the Pre-Authorization form duly filled from the hospital at the below numbers
  • Toll-free: 1800 425 5522
  • Non Toll-free: 044 28302200
  • Please carry your ID card and policy schedule.
Emergency:When the Insured meets with an accident or suffers from bout of illness that requires immediate admission to the hospital.
  • After the patient is rushed to the hospital and avails treatment.
  • Family to contact the toll free help line - 1800 425 2255 and Fax the Pre-Authorization form duly filled from the hospital at the below numbers within 24 hours of admission.
  • Toll-free:1800 425 5522
  • Non Toll-free: 044 28302200
When the Insured gives prior intimation about the treatment and the insured pays the expenses himself with the hospital and then claims for a reimbursement of those expenses.

Medi Classic Insurance Policy Exclusions

  • Any treatment undergone by the insured person during the first 30 days from the commencement date of the policy except done due to some accident
  • Certain diseases and illnesses are exempted for the first two policy years, for example, cataract, replacement surgery for knee and/or joint and varicose ulcers
  • Certain illnesses are exempted for the first policy year such as congenital internal disease/defects, hernia, Benign Prostate Hydrocele, Hypertrophy, piles, fistula in anus, sinusitis and related disorders, removal of gallstones and renal stone
  • Naturopathy treatment
  • Purely diagnostic expenses where there is no positive confirmation of existence of the disease
  • Expenses incurred on external Congenital disease / defects / anomalies
  • Expenses which are mainly cosmetic in nature