LIC AGENT BANGALORE
Medi Classic | insurence Agent Bangalore
The comforts and luxuries of today's life come at a price-the price of uncertainties. Of the uncertainties, health of oneself and one's family is of prime concern. Add to this, the fact that medical expenses are getting dearer. One ailment is all it takes to wipe out years of savings that was meant to realize your dreams.

Mediclassic Insurance from Star Health is a policy that provides for reimbursement of hospitalization expenses incurred as a result of illness/disease/sickness and/or accidental injuries, so that you can keep your dreams alive.
 
Pre-Medical screening
Compulsory medical check up is done for persons above 50 years of age at the cost of the company.
 
Pre-Existing Diseases / Illness
Are covered after 48 months of continuous insurance with any Indian Insurance Company.
Policy Benefits
Hospitalisation Cover: In-patient hospitalisation expenses for a minimum of 24 hours. Includes room rent, Boarding & Nursing Charges @2% of sum insured, subject to a maximum of Rs.5000/- per day.
Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees.
Cost of medicines and drugs.
Emergency ambulance charges for transporting the insured patient to the hospital upto a sum of Rs 750/- per hospitalisation and overall limit of Rs 1500/- per policy period.
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Pre-Hospitalization & Post-Hospitalization
Pre-hospitalisation medical expenses upto 30 days prior to date of admission
Post-hospitalization - calculated at 7% of the hospitalization (excluding room charges) subject to a maximum of Rs.5000 is payable.
 
Special Additional Features
Automatic Restoration of Sum Insured: The sum insured is automatically restored by 200% when the basic sum insured is fully exhausted during the policy period.
Cost of Health Checkup: Cost of Health Check-up up to 1% of the average sum insured after every block of 4 claim free years subject to a maximum Rs.5000/- is payable.
Policy Term: The policy is usually available for one year, but in case premium for two years is paid in advance, then a discount of 5% is available on the total premium.
 
How much to pay?
 
Zone 1
Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Age Annual Premium in Rs. (Service Tax Extra)
SUM INSURED (Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 3030 4400 4915 5450 7800 9545
36-45 2510 3260 4650 5550 6145 8200 9910
46-50 3770 5120 7665 8950 10700 13600 15310
51-55 4495 6110 11365 12690 14000 18384 22510
56-60 6200 7750 13750 15535 16775 22910 29160
61-65 7900 9850 14350 20000 24430 28900 39555
Renewals Only SUM INSURED (Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
66-70 11800 14005 20000 26800 34680 34755 47125
71-75 13300 17330 24350 31525 38700 41615 52525
76-80 16800 22300 32270 42420 52540 58250 67825
Above 80 21840 28990 41950 55140 68300 75725 88170
 
 
Zone 2
Rest of India ( Other than Delhi, Noida, Gurgaon, Ghaziabad, Faridabad,Mumbai, Thane, Pune and entire State of Gujarat )
Age  Annual Premium in Rs. (Service Tax Extra)
SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-35 2510 2880 4000 4515 5080 7465 9165
36-45 2510 3175 4535 5210 5870 7965 9595
46-50 3770 4775 7200 8700 10700 13265 14710
51-55 4495 5900 11115 12335 13555 17875 21710
56-60 6200 7350 13200 15000 15875 21440 28810
61-65 7900 9550 14000 19600 24000 28200 38365
Renewals Only SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
66-70 11800 13500 19600 26200 33840 34200 46395
71-75 13300 16950 23800 31000 38100 40800 50675
76-80 16800 22000 31900 41900 51900 57600 66700
Above 80 21840 28600 41470 54470 67470 74880 86710
 
 
2 Years Premium for Zone 1
 Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat
Age 2 Years Premium in Rs. (Service Tax Extra)
SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5757 8360 9339 10355 14820 18136
35 4769 5976 8598 9942 11015 15200 18482
36-44 4769 6194 8835 10545 11676 15580 18829
45 5966 7961 11699 13775 16003 20710 23959
46-49 7163 9728 14564 17005 20330 25840 29089
50 7852 10669 18079 20558 23465 30385 35929
51-54 8541 11609 21594 24111 26600 34930 42769
55 10160 13167 23859 26814 29236 39229 49087
56-59 11780 14725 26125 29517 31873 43529 55404
60 13395 16720 26695 33758 39145 49220 65279
61-64 15010 18715 27265 38000 46417 54910 75155
65 18715 22662 32633 44460 56226 60401 82346
Renewals Only SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 26610 38000 50920 65892 66035 89538
70 23845 29768 42133 55409 69782 72480 94668
71-74 25270 32927 46265 59898 73530 79069 99798
75 28595 37649 53789 70248 86678 94872 114333
76-79 31920 42370 61313 80598 99826 110675 128868
80 36708 48726 70509 92682 114798 127276 148195
Above 80 41496 55081 79705 104766 129770 143878 167523
 
2 Years Premium for Zone 2
 Rest of India  ( Other than Delhi, Noida, Gurgaon, Ghaziabad,Faridabad,Mumbai, Thane, Pune and entire State of Gujarat)
Age 2 Years Premium in Rs. (Service Tax Extra)
SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
5mts-34 4769 5472 7600 8579 9652 14184 17414
35 4769 5752 8108 9239 10403 14659 17822
36-44 4769 6033 8617 9899 11153 15134 18231
45 5966 7553 11148 13215 15742 20169 23090
46-49 7163 9073 13680 16530 20330 25204 27949
50 7852 10141 17399 19983 23042 29583 34599
51-54 8541 11210 21119 23437 25755 33963 41249
55 10160 12588 23099 25968 27959 37349 47994
56-59 11780 13965 25080 28500 30163 40736 54739
60 13395 16055 25840 32870 37881 47158 63816
61-64 15010 18145 26600 37240 45600 53580 72894
65 18715 21898 31920 43510 55290 58938 80522
Renewals Only SUM INSURED(Rs.)
Year 150000 200000 300000 400000 500000 1000000 1500000
66-69 22420 25650 37240 49780 64296 64980 88151
70 23845 28928 41230 54340 68685 70908 92217
71-74 25270 32205 45220 58900 72390 77520 96283
75 28595 37003 52915 69255 85500 93480 111506
76-79 31920 41800 60610 79610 98610 109440 126730
80 36708 48070 69702 91552 113402 125856 145740
Above 80 41496 54340 78793 103493 128193 142272 164749
 
Family Package:
Available for persons below 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
 
Rating for Family Package plan
All India Annual Premium in Rs. (Service Tax Extra)
Family Package plan
Age Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
Family Size Family Size
Year 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-25 4460 5149 5200 4745 5945 7145
26-30 4635 5280 5400 5045 6195 7345
31-35 4635 5280 5600 5230 6275 7483
36-40 4965 5400 6200 5555 6365 7700
41-45 5095 5595 6500 5915 6500 7805
 
All India 2 Year Premium in Rs. (Service Tax Extra)
Family Package plan
Age Sum Insured Rs. 200000/- Sum Insured Rs. 300000/-
The sum insured is apportioned equally among all the family members who are insured The sum insured is apportioned equally among all the family members who are insured
Family Size Family Size
Year 2A 2A+ 1C 2A+2C 2A 2A+ 1C 2A+2C
5m-24 8474 9783 9880 9016 11296 13576
25 8640 9908 10070 9301 11533 13766
26-29 8807 10032 10260 9586 11771 13956
30 8807 10032 10450 9761 11847 14087
31-34 8807 10032 10640 9937 11923 14218
35 9120 10146 11210 10246 12008 14424
36-39 9434 10260 11780 10555 12094 14630
40 9557 10445 12065 10897 12222 14730
41-43 9681 10631 12350 11239 12350 14830
 
 
Optional Benefits On Payment Of Additional Premium
(Not available under Family Package Plan)

 
Hospital Cash:Provides for payment of Rs. 1000/- per day of completed hospitalisation - max. 7 days per hospitalisation and 14 days per policy period. Additional Premium Rs. 350/- plus Service Tax.
  Patient Care:Available for persons above 60 years. Pays for attendant charges after discharge from hospital @ Rs.400/- per day for maximum 5 days per hospitalisation and 14 days per policy period. Additional Premium Rs. 580/- plus Service Tax.
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Tax Benefits
  Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act
 
Star Advantages
  No Third Party Administrator; direct in-house claims settlement
  Faster & hassle-free claim settlement
  Cashless hospitalization
  Network of more than 5400 hospitals across India
  24x 7 Toll- free Helpline
  Free General Physician Consultation over phone. Doctors on duty 24x7. By quoting the policy number, any person can contact our Doctor on the toll free number 1800 425 2255 / 1800 102 4477 for medical advices.
  Free Health magazines are issued to policy holders at regular intervals

 

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Contact Us


  No.1201/1,1st floor ,Raghavendra block
  srinagar,avalahalli main road
  Bangalore 560050
  Karnataka
  India
  Contact No: +91 9845197991
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