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Star Health Cardiac Care Insurance

Star Health Cardiac Care Insurance

Unique features

  • Available for 10 years to 65 years of age
  • Individual health plan
  • Pre-hospitalization and Post-hospitalization Expenses
  • Pre-existing diseases are covered after 48 months of continuous insurance
  • Lifelong renewability
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  • Highlights
  • Benefits Features
  • Eligibility
  • General Terms
  • Star Advantages
  • This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases
  • This policy has two Plan options – Gold Plan and Silver Plan
  • Under both the Plans hospitalization expenses for non cardiac diseases and accidents are covered under Section 1
  • Under Section 2: Gold Plan covers both medical management and surgical/interventional management for cardiac related diseases while Silver Plan covers only Surgical / Interventional management.
  • Out Patient Benefit is available under both plans
  • Personal Accident Death Cover is available under both plans
Benefits Silver Plan Gold Plan
Section Coverages / Medical Screening No Pre Acceptance Medical Screening but Medical Records to be compulsorily submitted
Section 1 Accident & Non Cardiac Ailments
Section 2 Available for Cardiac Ailments & Complications - Covers only Surgical/Interventional Management Available for Cardiac Ailments & Complications - Covers Surgical/Interventional and Medical Management
Section 3 Outpatient Treatment
Section 4 Personal Accident - Accidental Death Benefit
Maximum Sum Insured 3,00,000 4,00,000 3,00,000 4,00,000
Policy Period 1 year
Family Definition Individual Plan
Hospitalisation - Room Rent, Boarding and Nursing Expenses limit per day 2% of Sum Insured subject to a maximumof 5,000 per day
Hospitalisation Expenses - Professionals Fees, Anaesthesia , Blood, Operation Theatre, Surgical Appliances, X Rays, Stents etc Covered as Actuals
No of Daycare Treatments / Procedures Covered All 405 Day Care Procedures Covered
Sub Limits for Treatment of Cataract as Daycare (per episode / per policy period) Expenses related to treatment of Cataract is limited to 20,000 per eye and 30,000 per policy period
Emergency Ambulance Charges by Road (per policy period) Upto 750 per hospitalisation subject to a maximum of 1,500 per policy period
Coverage for Claims related to Cardio Vascular System Expenses incurred relating as an Inpatient in repsect of all Cardica Related complications necessitating Surgery / Intervention
Pre Hospitalisation Expenses incurred Upto 30 days
Post Hospitalisation Expenses incurred Upto 60 days - Upto 7% of Hospitalisation Expenses *** subject to a maximum of 5,000
Outpatient (OPD) Expenses like Medical Consultation, Diagnostics, Medicines and Durgs Upto 500 per event subject to a maximum of 1,500 per policy period (subject to treatment beinv availed in a Network Facility
Personal Accident Cover Upto 100% of Sum Insured subject to the accident resulting in Death within 12 calendar months
Waiting Period Section 1 - Waiting Period of 30 days for any disease ; 24 months waiting period for Specified Illness/Disease / Treatment; 48 months for PED
Section 2 - Waiting Period of 90 days for any disease
Co Payments 10% Co payment applicable for all insureds above 60 years old and making a claim under Section 1
  • Star Cardiac Care Insurance can be taken by any person between 10 years and 65 years of age, who has undergone for the first time
  • PTCA (Stenting) or CABG (By-pass) procedure, within 7 years prior to the date of policy purchase or Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or Patent Ductus Arteriosus (PDA) that has been treated or RF Ablation done to correct the underlying cardiac condition or Had an Angiogram done but no intervention was medically found necessary
  • Policy Tenure: One year
  • Sum Insured options : Rs.3,00,000/- and Rs.4,00,000/-
  • Sum Insured Type: Individual
Tax Benefits
  • Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period
  • A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre- acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal.

Guaranteed Lifetime Renewals
  • Life-long renewals beyond 65 years are offered under this policy.

  • No Third Party Administrator – direct in-house claims settlement.
  • Faster and hassle-free claim settlement.
  • Network of more than 8200+ hospitals across India.
  • Facility for maintaining personal health record in electronic format.

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