Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeHealth insuranceView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
InsurerStar Health and Allied Insurance Company LimitedView source
Manually classified from the insurer/product identity published on the official Bank of Baroda page.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Product title and current official product page
- Accessed
- 20 Aug 2026
- Confidence
- high
Medi Classic coverageMedi Classic from Star Health reimburses hospitalisation expenses arising from illness, disease, sickness or accidental injury. It offers all-day-care procedures, health check-up costs, optional hospital cash and patient-care cover.View source
The official overview and benefits section identify the insurer, reimbursement basis and optional covers.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Overview / Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Medi Classic no-claim bonusNo-claim bonus is 5% for every claim-free year, up to a maximum of 25%; the policy also provides automatic restoration of the entire sum insured by 200%.View source
The official Benefits section publishes the bonus and restoration percentages.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Benefits
- Accessed
- 23 Aug 2026
- Confidence
- high
Medi Classic eligibilityThe policy can be taken by a person aged 5 months to 65 years. Children can be covered only along with their parents.View source
The official Eligibility section publishes the age range and child-cover condition.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Eligibility
- Accessed
- 23 Aug 2026
- Confidence
- high
Sum insured / coverBase plan: ₹1.5 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh or ₹15 lakh. Gold plan: ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh or ₹25 lakh.Effective 24 Aug 2024View source
The prospectus lists the complete base and Gold plan sum-insured options.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Pages 1–2 — Basic sum insured options
- Accessed
- 28 Aug 2026
- Confidence
- high
Policy termOne, two or three years; for terms longer than one year, the basic sum insured applies separately for each policy year without carry-over.Effective 24 Aug 2024View source
The prospectus states one-, two- and three-year terms and says the basic sum insured does not carry over between policy years.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Page 1 — Policy term
- Accessed
- 28 Aug 2026
- Confidence
- high
Waiting period30 days for illnesses from first commencement (accidents are excepted); specified diseases/
The prospectus publishes the initial, specified-disease and pre-existing-disease waiting periods and exempts accident claims from the initial wait.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Pages 7 and 10 — Waiting periods
- Accessed
- 28 Aug 2026
- Confidence
- high
PremiumThe official prospectus publishes one-year Zone 1 and Zone 2 premiums for every listed age band and base sum insured; the complete charts are shown above. Premiums exclude GST. Instalment loading is 4% monthly, 3% quarterly and 2% half-yearly.Effective 24 Aug 2024View source
The premium charts show Zone 1 and Zone 2 one-year premiums before ; instalment loading is stated separately in the prospectus.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Premium Chart
- Accessed
- 28 Aug 2026
- Confidence
- high
Long-term discountA two-year term receives 10% discount on the second-year premium; a three-year term receives 11.25% discount on the second- and third-year premiums.Effective 24 Aug 2024View source
The prospectus specifies 10% off the second year for a two-year term and 11.25% off the second and third years for a three-year term.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Page 1 — Long-term discount
- Accessed
- 28 Aug 2026
- Confidence
- high
Published coverage limitsPre-hospitalisation up to 30 days; post-hospitalisation up to 60 days and 7% of hospitalisation expenses capped at ₹5,000 per hospitalisation; private ambulance ₹750 per hospitalisation and ₹1,500 per policy period; health check-up up to 1% of average basic sum insured capped at ₹5,000 after each block of four claim-free years; AYUSH treatment up to 25% of basic sum insured capped at ₹25,000 per policy period; automatic restoration of 200% of basic sum insured once during the policy period.Effective 24 Aug 2024View source
The benefits section publishes the pre/post-hospitalisation, ambulance, health-check-up, and restoration limits recorded here.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Pages 2–4 — Benefits and limits
- Accessed
- 28 Aug 2026
- Confidence
- high
Key exclusionsThe policy wording excludes investigation-only admissions; pregnancy and maternity (except ectopic pregnancy); infertility and assisted reproduction; congenital external defects; non-allopathic treatment above the stated AYUSH limit; treatment outside India; cosmetic/
The prospectus and policy clauses publish the exclusions summarised here and state that the list is not exhaustive; the complete policy wording and schedule control.
- Source
- Medi Classic Insurance Policy (Individual) — Star Health prospectus
- Page / section
- Pages 7–9 — Exclusions
- Accessed
- 28 Aug 2026
- Confidence
- high
Entry age5 months to 65 years; children can be covered only along with parents.View source
The eligibility section says the policy can be taken by a person between 5 months and 65 years and children can be covered only along with parents.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Eligibility
- Accessed
- 26 Aug 2026
- Confidence
- high
Key coverageHospitalisation reimbursement for illness, disease, sickness or accidental injury; all day-care procedures, health check-up costs, automatic restoration of the entire sum insured by 200%, and optional hospital-cash and patient-care cover.View source
The benefits section lists hospitalisation reimbursement, no-claim bonus, health check-up costs, 200% automatic restoration, optional hospital cash and patient care, and all day-care procedures.
- Source
- Medi Classic Insurance Policy (Individual)
- Page / section
- Benefits
- Accessed
- 26 Aug 2026
- Confidence
- high
Geographic limitsHospitalisation reimbursement for illness, disease, sickness or accidental injury; all day-care procedures, health check-up costs, automatic restoration of the entire sum insured by 200%, and optional hospital-cash and patient-care cover.View source
The manually reviewed product record states: “Hospitalisation reimbursement for illness, disease, sickness or accidental injury; all day-care procedures, health check-up costs, automatic restoration of the entire sum insured by 200%, and optional hospital-cash and patient-care cover.”.
- Source
- Medi Classic Insurance Policy (Individual) — official product page
- Page / section
- Published product metadata
- Accessed
- 15 Aug 2026
- Confidence
- high
Benefits and features
- Hospitalisation reimbursement for illness, disease, sickness or accidental injury
- all day-care procedures, health check-up costs, automatic restoration of the entire sum insured by 200%, and optional hospital-cash and patient-care cover.
Eligibility
- The policy can be taken by a person aged 5 months to 65 years. Children can be covered only along with their parents.
Passing a listed condition does not mean the bank will approve an application.
Related official documents
Medi Classic Insurance Policy (Individual) — Star Health prospectusofficial-prospectus · current · accessed 28 Aug 2026
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