Star Cardiac Care Health Plan: Benefits, Buy & Renew Online

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

Q 1: What is the tenure of the Star Cardiac Care Health Insurance Policy?

Ans: The tenure of this policy is one year.
Q 2: What are the options for the sum insured for this plan?

Ans: The sum insured options for Star Cardiac Care Plan are – Rs. 3lakhs and Rs. 4lakhs.
Q 3: Does this policy provide tax benefits?

Ans: Yes, policyholders are eligible to get tax benefits u/s 80C of the IT Act, 1961 for the amount that is paid as premium. However, the tax benefits are available for the payments that are paid other than cash mode.
Q 4: Is it possible to port this policy?

Ans: Yes, it is possible to port this policy. If the policyholder wants to get his/her policy ported, then he/she needs to give the application for the same to the insurance company and fill an appropriate form at least 45 days before the policy's renewal date but not earlier than 60 days of policy renewal.
Q 5: What is the free-look period for this health insurance policy of Star Health Insurance Company?

Ans: The free-look period for this policy is 15 days from the policy issuance date.
Q 6: What are the sub-limits for the Star Cardiac Care Health Insurance plan?

Ans: Expenses incurred for treating cataracts are payable up to Rs.20, 000 for every hospitalization. The limit for the same is Rs.30, 000, which is for the entire policy tenure. This sub-limit is applicable for Section 1 of this insurance plan.
Q 7: Does this plan offer co-payment?

Ans: Yes, co-payment of 10% for every claim amount is provided for the policyholders who have taken the policy on or after reaching 60 years of age is provided.
Q 8: Does this plan require pre-acceptance medical screening?

Ans: No, this plan does not require pre-acceptance medical screening. However, a policy proposer has to submit his/her complete past medical records at the time of policy purchase.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
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24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

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