Specially designed policy for individuals aged between 10 and 65 years who have a history of cardiac ailments.
This Policy covers surgical and non-surgical treatments for cardiac and non-cardiac ailments. Cardiac ailments are covered after 90 days.
Worldwide personal accident cover is provided in case of death due to accidents during the policy period.
Reasonably and necessarily incurred outpatient expenses at Network Hospitals in India are covered up to the limits mentioned in the policy clause.
The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-hospitalisation medical expenses incurred up to 60 days from the date of discharge from the hospital are covered up to 7% of the hospitalisation expenses subject to the maximum of Rs. 5000/- per hospitalisation.
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 2% of the Sum Insured subject to the maximum of Rs. 5000/- per day.
Ambulance charges are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period for transportation of the insured person to the hospital by private ambulance service.
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
Expenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.
If the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount.
All the features mentioned in Section I will be covered along with cardiac related complications that requires in-patient hospitalisation in Gold Plan under this policy.
All the features mentioned in Section I will be covered along with cardiac related complications that requires surgery or intervention in Silver Plan under this policy.
Reasonably and necessarily incurred outpatient expenses at Network Hospitals in India are covered up to Rs. 500/- per event subject to a maximum of Rs. 1500/- per policy period.
Worldwide personal accident cover is provided in the event of unfortunate death of the insured person due to accidents during the policy period.
Please refer to the Policy Documents to know the policy details and Terms & Conditions. PREMIUM CHART GENERAL TERMSAs a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Star Advantages OUR CUSTOMERSWe are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.
My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
Tiji K Oommen ThiruvananthapuramMy friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.
I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.
RamachandranMy family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.
Shaila GanachariStar Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.
Sudhir BhaijiI have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.
Get your future secured with us.
Cardiac ailments have been rising at an alarming rate in India. Treatment for cardiac diseases can be expensive. In this ongoing pandemic situation and the surging costs of the healthcare system have made many realize the importance of health insurance for cardiac related ailments. It’s therefore vital to have an insurance plan that financially protects you from the risk of cardiac ailments. For this very purpose, Star Health presents the Star Cardiac Care Insurance Policy, a health insurance for individuals who have undergone heart surgery, bypass or stenting procedures.
Cardiac care insurance is one of the kind policies in the industry offering complete cover for cardiac and non-cardiac treatments. It provides health insurance for heart patients and ensures coverage for all their cardiovascular needs. It’s is a combination of cardio vascular and regular hospitalization needs.
This helps ease the financial burden of those in such situation of treating repeat heart ailments and provides sufficient expense coverage.
This policy also covers multiple claims for various heart conditions. These claims are, however, subject to the sum insured. Cardiac care insurance policy offers surgical, non-surgical treatments and benefits like cover for modern treatments, outpatient care and Personal Accident cover for death due to accident.
Features and Benefits of Star Cardiac Care Insurance Policy| Subject | Criteria | ||
|---|---|---|---|
| Entry Age | 10 years to 65 years | ||
| Renewal | Lifelong | ||
| Policy period | 1 year/ 2 years / 3 years | ||
| Plan variants | Gold and Silver | ||
| Sum Insured | ₹3 lakhs and ₹4 lakhs | ||
| Co-payment | If age of entry is 61 yrs and above 10% to all admissible claims | ||
| Waiting Periods for non-cardiac ailments | PED-48 months | Specific Diseases- 24 months | Initial waiting period – 30 days (except for accidents) |
The policy is designed to cover people who have undergone cardiac-related ailments and also to treat those recovering from post-surgery. Anyone from the ages of 10 – 65 can purchase a Cardiac Care Insurance Policy.
The Star Cardiac Care Insurance policy offers the ideal health insurance for heart patients to cover their expenses if they have previously been diagnosed with cardiovascular disease or have had heart-related surgeries and other procedures. The ailments and procedures that make you eligible for cardiac care insurance include:
Star Cardiac Care offers coverage if you have had any of the mentioned conditions or procedures. Having cardiac ailments puts you at risk of having another heart-related issue. That is why purchasing coverage like Star Cardiac Care insurance is a good choice.
Features and BenefitsThe policy tenure can be one year, two years or three years, and the premium can be paid quarterly, half-yearly, annually, biennially, or triennially. This provides flexibility and options for paying your premium. You get two options for the sum insured amount ₹ 3,00,000 or ₹ 4,00,000. This policy can be purchased for individual coverage only.
Section 1: Hospitalisation cover for Accidents and Non-cardiac ailments
Section 2: Hospitalisation cover for Cardiac Ailments
Section 3: Cover for Outpatient medical expenses
Section 4: Personal Accident cover for accident death
The plan provides sum insured options of ₹3 lakhs and ₹4 lakhs
Renewal: Star Cardiac Care insurance policy has no renewal limit and can be renewed for your lifetime.
Co-payment is applicable for 61 years and above. This means that every time a claim is filed with the company, the insured will be required to pay a fixed 10% of the admissible claim, and then Star Health Insurance will process the rest of the admissible claim.
| Section | Gold Plan | Silver Plan |
|---|---|---|
| 1 | Applicable for accident and non-cardiac ailments | Applicable for accident and non-cardiac ailments |
| 2 | Applicable for Cardiac Ailments and complications. Cover is available for both surgical intervention and medical management. | Applicable for Cardiac Ailments and complications. Cover available only for surgical intervention. |
| 3 | Outpatient expenses in networked facility | Outpatient expenses in networked facility |
| 4 | Personal Accident: Death only cover equal to chosen sum insured | Personal Accident: Death only cover equal to chosen sum insured |
| Waiting period applicable for cardiac treatments is 90 days only. | ||
Cardiac insurance provides a wide range of expense coverage for cardiac as well as non-cardiac ailments. The salient feature of this policy is that it covers people who have already had a heart condition or procedure. If you have undergone a heart surgery or a procedure in the last 7 years, it is advisable to purchase a cardiac care policy because you are at greater risk of cardiac ailments.
Star Cardiac Care will cover hospitalisation expenses if the insured person requires to be hospitalised for treatment at the hospital for at least 24 hours during the policy period. The plan will cover expenses incurred towards the following:
The policy covers expenses for all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation as per the policy terms.
The policy covers expenses incurred for cataract treatment up to ₹30,000 entire policy period.
No pre-insurance medical screening is required. It is enough to submit previous medical records including details of the latest treatment along with the proposal form.
Personal Accident coverage: Star Health Cardiac Care Insurance provides a worldwide cover and compensates for accidental death equal to the sum insured opted for.
Some modern treatments are covered under Star Cardiac Insurance. The coverage details are as follows: The limits are mentioned in the Policy Clause.
The following is a partial listing of policy exclusions. A detailed list of all exclusions is included in the policy document.
While Star Health Cardiac Care Policy offers comprehensive coverage for both cardiac and non-cardiac ailments, a few exclusions come under the purview of this policy. These exclusions are as follows:
Policyholders whose age at the time of entry is 61 years and above for fresh and renewal policies. Are required to provide a co-payment of 10% at the inception and on renewal as well.
What is the tax benefits?As per Section 80D of the Income Tax Act of 1961, less than 60 yrs of age INR 25000/- & for more than 60 yrs. 50,000/-.
What are the sum insured options?The sum insured amount ₹ 3, 00,000 or ₹ 4, 00,000. This policy can be purchased for individual coverage only.
What is the free look period of this policy?The policy offers a free-look period of 15 days from the date of receipt of the policy document. However, this feature is not applicable for policy renewals.
Star Cardiac Care Insurance Policy
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