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.
*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
Who would you like to insure?
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.
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:
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 |
You may like to Read: How Star Health Insurance Online Payment Mode Benefits You? |
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.
Treatment-related to cardiovascular diseases is covered once the waiting period of 90 days is completed. This waiting period does not apply to renewals.
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.
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? |
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)
The applicable waiting period clauses are:
You may like to Read: Star Health Insurance Plans for Senior Citizens |
Some limitations that are applicable to this Cardiac Care policy are given below, under which the policy doesn’t cover the expenses incurred for
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!