Why is Star Cardiac Care Health Insurance Policy a Good Option?

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.

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      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.

      And when it comes to choosing comprehensive cardiac illness cover, Star Cardiac Care Health Insurance Policy can be a good option.

      Let’s skip through some of the highlights of this plan and how it becomes handy in covering an unexpected health condition.

      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

      The policy highlights are:

      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

      Benefits of Buying Cardiac Cover from Star Health InsuranceSome of the benefits the policy brings along with are:
      • The policy-provider 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 policyyou don’t need to undergo any pre-medical diagnostic tests.
      You may like to Read: How Star Health Insurance Online Payment Mode Benefits You?

      Expenses Covered under the Star Cardiac Care Health Insurance Policy

      In case of both the Gold plan and Silver plan, 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 hospitalization expenses when hospital admission is for more than 24-hours. It covers room cost, nursing and boarding charges, cost of the Surgeon, Anesthetist, 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-hospitalization 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 1,500 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.

      You may like to Read: How to File a Claim with Star Health Insurance?

      How Much will the Policy Cost Me?

      The premium estimation for Star 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?

      The applicable waiting period clauses are:

      • 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
      You may like to Read: Star Health Insurance Plans for Senior Citizens

      Am I Not Covered for Any Medical Expense?

      Some limitations that are applicable to this Cardiac Care policy are given below, under which the policy doesn’t cover the expenses incurred for

      • Cosmetic surgeries
      • 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

      Get the Deal!

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

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