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    The Manager - Customer Care,
    Star Health and Allied Insurance Co Ltd,
    No.1, New Tank Street, Valluvarkottam High Road,
    Nungambakkam,
    Chennai - 600 034
    Email : support@starhealth.in

    Contact Us

    Sales & Services
    044 6900 6900
    For Other Users
    (044)- 2831 9100 / 2853 2060 / 2853 2030

    Star Cardiac Care Insurance Policy

    Special insurance policy aimed for individuals undergone Cardiac Procedures with manifold benefits

    Contact
    Please visit the nearest Star Health Insurance branch for premium details

    IRDAI UIN: SHAHLIP22032V052122

    Cardiac cover

    This policy is specially designed for persons who have undergone treatment for Cardiac ailments.

    Flexible cover

    Hospitalization expenses for accident and non cardiac treatments also covered

    Out patient cover

    Cover for Out Patient Benefit is available

    Accident cover

    Personal Accident Death Cover at no additional cost

    Silver plan

    Surgical and Interventional management is covered under Silver plan

    Gold plan

    In addition to all the above benefits Gold plan also covers Medical Management for Cardiac Treatments

    Star Cardiac Care Insurance Policy

    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 plan for individuals who have undergone heart surgery, bypass or stenting procedures.

    What Is Star Cardiac Care Insurance Policy?

    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

    SubjectCriteria
    Entry Age10 years to 65 years
    RenewalLifelong
    Policy period1 year/ 2 years / 3 years
    Plan variantsGold and Silver
    Sum Insured₹3 lakhs and ₹4 lakhs
    Co-paymentIf age of entry is 61 yrs and above 10% to all admissible claims
    Waiting Periods for non-cardiac ailmentsPED-48 monthsSpecific Diseases- 24 monthsInitial waiting period – 30 days (except for accidents)

    Eligibility Criteria:

    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:
    • Undergoing angioplasty (stenting) or by-pass surgery a maximum of 7 years before purchasing the policy
    • Correction of Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD).
    • Underlying cardiac ailments treated with RF Ablation.
    • Angiography performed with no further medical intervention.
    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 Benefits

    Policy Tenure:

    The 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.

    Coverage:

    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

    Sum insured

    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

    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.

    Waiting period for non-cardiac treatments

    1. Any illness contracted within 30 days of the policy's date of inception is not covered. The exception is in case of an accident.
    2. Coverage for specified illnesses/ surgeries becomes effective after 24 months.
    3. Pre-existing diseases are covered after a waiting period of 48 months from the policy's date of inception

    Coverage under Star Cardiac Care Insurance Policy Gold Plan and Silver Plan

    SectionGold PlanSilver Plan
    1Applicable for accident and non-cardiac ailmentsApplicable for accident and non-cardiac ailments
    2Applicable 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.
    3Outpatient expenses in networked facilityOutpatient expenses in networked facility
    4Personal Accident: Death only cover equal to chosen sum insuredPersonal Accident: Death only cover equal to chosen sum insured
    Waiting period applicable for cardiac treatments is 90 days only.

    Inclusions of Star Cardiac Care Insurance Policy

    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.

    Hospitalisation expenses for non-cardiac ailment and accidents

    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: 
    • Room rent, boarding, and nursing expenses are covered up to Rs.5000 per day.
    • Emergency ambulance charges up to ₹750 per hospitalisation and ₹ 1500 per policy period
    • Pre hospitalisation expenses for a period not exceeding 30 days prior to the date of hospitalisation
    • Post hospitalisation expenses for a period not exceeding 60 days after discharge from hospital. The amount payable shall not exceed the sum equivalent to 7% of the hospitalisation expenses subject to a maximum of ₹ 5000 per hospitalisation.

    Daycare treatments/procedures

    The policy covers expenses for all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation as per the policy terms.

    Cataract treatment

    The policy covers expenses incurred for cataract treatment up to ₹30,000 entire policy period.

    Pre-insurance medical screening

    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.

    Modern Treatments covered under the Cardiac Care Insurance Policy

    Some modern treatments are covered under Star Cardiac Insurance. The coverage details are as follows: The limits are mentioned in the Policy Clause.
    • Uterine artery embolization and HIFU (High intensity focused ultrasound)
    • Balloon sinuplasty
    • Deep brain stimulation
    • Oral chemotherapy
    • Immunotherapies - monoclonal antibody to be given as an injection
    • Intra vitreal injections
    • Robotic surgeries
    • Stereotactic radio surgeries
    • Bronchial Thermoplasty
    • Vaporisation of the prostrate
    • ION M Intra Operative Neuro Monitoring
    • Stem cell therapy
    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:
    • Diagnostic expenses which are not related to the current diagnosis and treatment are excluded
    • Expenses for custodial care and services for terminally ill patients
    • Gender change procedures
    • Cosmetic/plastic surgeries
    • Hospitalization or treatment due to hazardous of adventure sports/activities
    • Expenses for treatment arising out of any criminal activity
    • Expenses for treating alcohol, drugs, and other substance abuse.
    • Expenses for treating infertility
    • Maternity expenses and expenses toward miscarriage (unless due to an accident)
    • Treatment for sexually transmitted diseases
    • Bodily harm or disease arising out of a war or war-like situation

    FREQUENTLY ASKED QUESTIONS:

    What is the co-payment percentage in this policy?

    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

    Our Clients Love Us

    Check what other persons are saying about our product. They are very happy with their purchase

    I am really very happy with your health policy, which I took a couple of months. Few days back I suffered with fever so I joined your network hospital and taken the treatment with the cashless facility. As per doctor words, with the help of your cashless option, we didn’t paid anything to doctor. We are really very happy with your service.

    PADMANABHAN BHASKAR

    Thank you very much for your prompt action in sending me the cheque towards my wife's initial payment made to your Co. Thanking you once again and look forward to receive your kind cooperation at all times.

    T.RADHAKRISHNAN

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