Buy Star Cardiac Care Health Insurance Policy

Due to the sedentary lifestyle, cardiovascular ailments have been on a constant rise. As per a report by the Indian Heart Association, 50% of the heart attacks happen to Indians under the age of 50 years and 25% of all heart attacks happen to Indians under the age of 40 years.  In India, nearly 17 lakh people succumb to a heart attack every year and by 2030, the deaths due to heart attack are likely to rise by 2.3 Crore. And people living in urban areas are more likely to suffer from a heart ailment in comparison to those living in rural areas. With such figures coming out in light the need to have a health insurance policy offering cardiac cover.

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Get ₹5 Lac Health Insurance starts @ ₹200/month*
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    Some alarming signs of heart attacks include shortness of breath, chest pain, high heart rate, breathlessness while walking, etc. The cost of open-heart surgery and other cardiac-related treatments can be a bit expensive. But if you have medical insurance cover you don’t need to worry about the cost of the hospitalization and surgery as the insurer will pay for the expenses.

    For comprehensive cardiac illness cover, you can consider Cardiac Care Star Health Insurance Policy. It coverage benefits and details are given below:

    Let’s first check the eligibility criteria

    Any individual between the age group of 10 years and 65 years can get insured and buy this health insurance policy online, provided he or she has undergone the following:

    • Atrial Septal Defect or Ventricular Septal Defect that has been corrected
    • CABG (By-pass) and PTCA (Stenting) within 7 years before the proposal
    • Patent Ductus Arteriosus that has been treated
    • RF Ablation to treat the underlying heart-ailment
    • Angiogram was done but no medical intervention was required

    Checkout some important highlights:

    Policy Tenure

    Sum Insured options

    Policy Variants

    Co-pay

    Sum Insured Type

    Policy Renewal

    1 year

    Rs 3 Lakh and Rs 4 Lakh

    Silver and Gold

     

    10% for individuals above the age of 60 years

    Individual

    Lifetime

    What are the benefits of buying Cardiac Cover from Star Health Insurance?

    • The policy does not involve a Third Party Administrator and provides direct in-house claim settlement
    • Cashless hospitalization is provided in more than 9900 hospitals, wherein the insurer settles the bill directly with the hospital for the expenses incurred up to the specified limit
    • 15 days free-look period is provided to help you decide if you want to continue with the policy or not
    • To get cardiac cover under this star health insurance policy you don’t need to undergo any pre-medical diagnostic tests

    What expenses are covered under this Star Cardiac Care Health Insurance Policy?

    In case of both the Gold plan and Silver plan, you know that the following expenses are covered under this star medical insurance plan. You can claim these expenses by informing the insurer 24 hours in advance if it’s planned.

    Section 1 : Hospitalization Cover

    • The insured is covered for inpatient hospitalisation expenses when hospital admission is for more than 24-hours. It covers room cost, nursing and boarding charges, cost of the Surgeon, Anaesthetist, Doctor, Specialist Fees, Consultants, OT, ICU, Oxygen, Blood, Diagnostics, Medicines and the likewise
    • Pre-Hospitalization expenses for a maximum of 30 days before hospital admission
    • Ambulance charges for emergency transportation up to the specified limits
    • Post-hospitalisation expenses up to Rs 5,000 per hospitalization
    • All Day-care treatments can be claimed in this star mediclaim policy
    • Pre-Existing Diseases and Illnesses can also be claimed if you continue the policy for more than 48 months

    Section 2: Hospitalization Cover for Cardiac Ailments

    Treatment-related to cardiovascular diseases is covered once the waiting period of 90 days is completed. This waiting period does not apply to renewals.

    Section 3: Coverage for Outpatient medical expenses

    Treatment cost incurred in any of the network hospitals in India are termed as Out-patient expenses, provided the policy is in force. The coverage limit is Rs 500 up to a maximum of Rs 1500 per policy term. This benefit forms part of the Coverage amount.

    Section 4: Personal Accident Cover

    If anytime during the policy period, the Insured sustains any bodily injuries from an Accident and leads to accidental death within 12 months from the date of the incident, then the Insurance Company will compensate up to the specified Sum Insured as mentioned in the policy documents. The coverage under this section is available Worldwide. The sum insured is equal to Policy coverage amount.

    How much will the policy cost?

    The premium estimation for this cardiac insurance policy is given in the table below:

    Premium Rs. (Excluding Tax)

    Sum Insured

    (Rs.)

    Rs 3 Lakh

    Rs 4 Lakh

    Age  ( in years)

    Silver Plan

    Gold Plan

    Silver Plan

    Gold Plan

    10-60 yrs

    14,095

    18,790

    16,110

    21,475

    61-65 yrs

    16,210

    21,610

    18,525

    24,695

    66-70 yrs

    18,640

    24,850

    21,300

    28,400

    71-80 yrs

    20,505

    27,335

    23,430

    31,240

    Above 80 yrs

    22,555

    30,070

    25,775

    34,365

    (Source: Star Health and Allied Insurance)

    What about the waiting periods?

    • 48 months of the waiting period applies to pre-existing diseases
    • 24 months of waiting period applies to specified illnesses/ treatments/diseases
    • 30 days of the waiting period is applicable post-policy commencement except for accidental cases

    What expenses are not covered under this Star Cardiac Care Health Insurance Policy?

    Some limitations that are applicable to this Cardiac Care policy are given below-

    • Cosmetic surgeries are not covered
    • Acupuncture, Naturopathy treatment, acupressure, and related therapies
    • Any experimental treatment is also not covered
    • Self-inflicted injuries
    • Sexually transmitted diseases
    • Venereal diseases
    • HIV/AIDS treatment
    • Any case indirectly or directly related to criminal acts
    • Treatment for hearing impairments
    • War injuries
    • Substance abuse

    To get yourself and your family insured for cardiac ailments and other hospitalization expenses, you can check out this health insurance policy online on our site. Compare the policy benefits and premium with other available plans and see if it works for you. Once you are sure you can buy this mediclaim policy from the comfort of your home. Once you have financial cover for medical expenses, you can enjoy your peace of mind.

    Written By: PolicyBazaar - Updated: 02 August 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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