*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
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.
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:
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 |
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
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.
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)
Some limitations that are applicable to this Cardiac Care policy are given below-
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.
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