Star Cardiac Care Health Insurance

Star Cardiac Care Health Insurance is a plan specifically designed for covering cardiac diseases. This plan is a perfect choice for those who have undergone some medical treatment related to heart disease.

A disease-specific and unique health insurance plan that provides a custom-made solution that any individual who is between the age group of 10 years to 65 years can purchase. The Star Cardiac Care Health Insurance plan is available in two variants Silver and Gold. Section 1 of this plan offers coverage for the expenses of hospitalization related to accidents and non-cardiac diseases. Under Section 2 of the Cardiac Section of the Gold Plan, the policy provides coverage for both surgical/ interventional management and medical management for cardiac-related illnesses whereas the Silver plan provides coverage for only interventional and surgical management.

Eligibility Criteria:

Any person who comes in the age group of 10 years and 65 years and who has:

  • Undergone CABG (By-pass) procedure within seven years period before purchasing the policy or who has undergone PTCA (stenting).
  • Patent Ductus Arteriosus which has been treated.
  • Ventricular Septal Defect (VSD) or Atrial Septal Defect (ASD) that is corrected.
  • One who has undergone RF Ablation for correcting any underlying cardiac condition.
  • Had an Angiogram done but no intervention medically found needed.

Inclusions:

  • Star Cardiac Care Health Insurance plan offers coverage for various cardiac ailments that other health insurance plans do not cover.
  • Death because of personal accidents. In such an instance, the insurance company pays the sum insured that is mentioned in the policy.
  • This plan also covers charges of ambulance up to a certain limit.
  • Provides coverage for outpatient expenses incurred at any network facility. The limit of advantages under this is Rs.500 per event but it is subject to a maximum of Rs.1500 per policy tenure.
  • Pre and post hospitalization costs are also covered as per the guidelines of the policy.

Exclusions:

  • Any claim that arises because of a medical disorder, attempt to suicide, suicide, self-inflicted injuries, anxiety, sexually transmitted disease, depression, etc. is not covered.
  • Registration charges at the hospital, charges of admission, and any such charges are also not covered.
  • Unconventional and untrusted therapies, war injuries, etc. are not covered.
  • The use of drugs, intoxicating substances, alcohol, tobacco chewing, smoking, and others are not covered.
  • Cosmetic surgery or treatment, aesthetic treatment, behavioral and mental disorder, psychiatric treatment, and others are also not covered.

Features & Benefits:

Section 1:

  • Hospitalization Cover: Covers in-patient hospitalization expenses for a minimum of 24 hrs (Room rent, boarding and nursing charges, Anaesthetist, Surgeon, Medical Practitioner, Specialist Fees, Consultants, Cost of Drugs and Medicines).
  • Pre-existing diseases are covered after 48 months of continuous insurance

Section 2:

  • Hospitalization cover: Cardiac ailments are covered for in-patient with a minimum of 24 hours.
  • Pre-existing ailments are covered from the 91st day of commencement of the policy.

Other benefits:

  • Charges of ambulance for transporting a patient to the hospital in emergency cases
  • Pre-Hospitalization expenses up to 30 days before admission to the hospital.
  • Post-hospitalisation is paid as a lump-sum up to the limit specified.
  • All the day-care treatments are covered

Cancellation Policy:

A policyholder can cancel this policy by giving a written notice period of 15 days and in such an event the insurance company refunds the premium for the unexpired period of the policy as mentioned below:

Period on Risk

Premium Rate to Be Paid

Up to one month

22.5% of the policy premium

More than one month to three months

37.5% of the policy premium

More than three months to six months

57.5% of the policy premium

More than six months to nine months

80% of the policy premium

More than nine months

Full policy premium

FAQs

Written By: PolicyBazaar - Updated: 17 December 2020
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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