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Star Cardiac Care Insurance Policy-Platinum
Star Health Cardiac Care Platinum refers to a health insurance policy particularly designed for persons with a history of cardiac ailments or who have undergone cardiac surgical interventions. This star platinum plan provides coverage for both cardiac and non-cardiac medical conditions.
Cardiac Care Policy provides benefits such as hospitalisation, daycare treatment, modern treatment coverage, organ donor coverage (heart transplant), automatic restoration of the sum insured, and a wellness reward program to avail discounts on renewal premiums. Additionally, it also Covers cost of Conventional Coronary Angiogram Test up to limit specified in policy.
The Cardiac Care Platinum plan is particularly designed for people aged 7 to 70 years who have cardiac ailments or have undergone cardiac surgical interventions. You may wonder why the Star Cardiac Care Platinum Policy is needed. The policy is necessary as it offers comprehensive coverage for people who are at risk of cardiac ailments. Moreover, it offers financial protection for treatments, like surgeries, rehabilitation, and related expenses, ensuring that peace of mind is maintained.
To claim the coverage for the Cardiac Care Platinum plan, inform Star Health Insurance 24 hours before the planned hospitalisation or within 24 hours of emergency hospitalisation, and for non-network hospitals, make upfront payments and file for reimbursement.
IRDAI UIN: SHAHLIP22033V022122
HIGHLIGHTS
Plan Essentials
Cardiac Cover
Specially designed policy for individuals aged between 7 and 70 years who are diagnosed with cardiac ailments and treated with cardiac surgical intervention.
Non-Cardiac Cover
Hospitalisation and Day Care expenses due to non-cardiac ailments and accidents are covered up to the Sum Insured.
Sum Insured
The Sum Insured options under this policy are Rs. 5,00,000/-, Rs. 7,50,000/-, Rs. 10,00,000/-, Rs. 15,00,000/-.
Cumulative Bonus
Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.
Cardiac Devices
Expenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured.
Heart Transplantation
Expenses incurred towards harvesting and transportation of heart by road or air are covered up to 200% of the basic Sum Insured.
Instalment Options
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.
Policy Term
This policy can be availed for a term of one, two or three years.
Detailed List
Understand what’s included
SECTION I - Accident and Non-cardiac Ailments
In-patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered. |
Room RentRoom (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Road AmbulanceAmbulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered. |
Day Care ProceduresMedical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered. |
Cataract TreatmentExpenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.
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Modern TreatmentExpenses 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. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year. |
Automatic RestorationOn exhaustion of the limit of coverage,100% of the basic Sum Insured will be restored once in the policy period which can be utilized only for illness unrelated to the illness for which claim was already made. This benefit is not available for modern treatment and cardiac ailment. |
Cumulative BonusCumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured. |
Health Check-UpAfter completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.
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Wellness ServicesThis program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities. |
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured. |
SECTION II - Cardiac Ailments
In-patient HospitalisationHospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered. |
Pre-HospitalisationIn 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-HospitalisationPost-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
|
Room RentRoom (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered. |
Road AmbulanceAmbulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered. |
Modern TreatmentExpenses 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. |
E-Medical OpinionE-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person. |
Cardiac DevicesExpenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured. |
Heart TransplantationExpenses incurred towards harvesting and transportation of heart by road or air are covered up to 200% of the basic Sum Insured.
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Conventional Coronary Angiogram TestExpenses incurred for Coronary Angiogram test are covered up to the limits mentioned in this policy.
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Rehabilitation & Pain ManagementExpenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year. |
Cumulative BonusCumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured. |
Health Check-UpAfter completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim. |
Wellness ServicesThis program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities. |
AYUSH TreatmentsMedical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured |
SECTION III - Outpatient Expenses
Outpatient Expenses (Including Vaccination)Outpatient Expenses (including vaccination) incurred at Networked Facility are payable up to the limits mentioned in the policy clause. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
Waiting Period
1. For Pre-Existing Diseases - 36 months
2. For Specific Diseases/Procedures - 24 months
3. Initial Waiting Period - 30 days (Except for Accidents)
4. Waiting Period Applicable for Section 2 - 30 days from the first commencement of this policy
Modern Treatments
Coverage for Modern Treatment please click here
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
Wellness Reward Program
To avail discount on renewal premium, insured should submit the following test reports at least 3 months before the policy renewal date.
Insured can avail 10% discount on the renewal premium, if the following submitted reports are normal
(i) ECHO (Echocardiogram)
(ii) Lipid Profile
(iii) HbA1c (Hemoglobin A1c)
Note: In case if any of the 2 tests, results are normal, Insured can avail 5% discount on renewal premium.
Note: The above test reports should be submitted within one month from the date of testing.
STAR HEALTH
Why Choose Star Health Insurance?
As 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.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Star Cardiac Care Insurance Policy-Platinum
Dealing with heart problems can be stressful enough without having to worry about medical bills. That's why Star Health Insurance offers the Cardiac Care Insurance Policy-Platinum, a specially designed plan to help you handle the costs associated with heart conditions. Let's break it down in a way that's easy to understand.
What Makes This Star Cardiac Care Insurance Policy-Platinum Special?
This cardiac care insurance policy is tailored for people with heart issues or even heart surgery. It covers heart-related treatments and other medical expenses you might face.
Here's a closer look at what's included:
Key Features:
- Heart-Specific Cover: This cardiac care health insurance covers heart-related treatments, including hospital stays and surgeries. If you need heart treatment, this policy covers it.
- More Than Just Heart Coverage: It also covers expenses from other illnesses and accidents, making sure you're protected in many situations.
- Flexible Sum Insured Options: You can choose from different sum insured options like ₹5,00,000, ₹7,50,000, ₹10,00,000, or ₹15,00,000 based on what you need and can afford.
- Bonus for Staying Healthy: Every year you don't make a claim, you get a 10% bonus on your sum insured, up to a maximum of 100%. This means your coverage can increase just by staying healthy!
- Coverage for Heart Devices: This policy will cover 50% of the costs if you need devices like pacemakers.
- Heart Transplants: It also covers the costs of heart transplants, including harvesting and transporting the heart, up to 200% of the sum insured.
- Flexible Payment Options: You can pay your cardiac care insurance policy premium quarterly, half-yearly, annually, every two years, or every three years—whatever works best for you.
Detailed Coverage
The Insurance Policy for Cardiac Care has two main parts: one for general medical issues and another specifically for heart problems.
Section I - General Medical Issues: Applicable for accident and non-cardiac ailments
- Hospitalisation: This policy covers the costs of staying in the hospital for more than 24 hours due to an illness or accident.
- Before and After Hospitalisation: It covers medical expenses up to 30 days before your admission and up to 60 days after your discharge.
- Room Rent: Covers the cost of staying in a single private A/C room during your hospital stay.
- Ambulance Charges: Covers the cost of getting to the hospital by ambulance.
- Day Care Procedures: Covers treatments that require less than 24 hours in the hospital.
- Cataract Treatment: Pays for cataract treatments up to specified limits.
- Modern Treatments: Covers advanced treatments like oral chemotherapy and robotic surgeries.
- E-Medical Opinion: You can get a second opinion from the company's medical experts if you need it.
Section II - Heart-Specific Issues:
- Hospitalisation for Heart Conditions: Covers costs when hospitalised for heart problems.
- Emergency Ambulance: This covers ambulance costs to get you to the hospital in an emergency.
- Before and After Heart Treatment: This policy covers medical expenses for up to 30 days before and 60 days after heart treatment.
- Heart Devices: Covered up to 50% of the Sum Insured.
- Heart Transplants: Covers the costs for heart transplants, including transporting the heart.
Who Can Get This Health Insurance Cardiac Care Policy?
This health insurance for cardiac care is available for anyone aged 7 to 70 diagnosed with a heart problem and who has had heart surgery. It's a wide age range, making it accessible to many people.
Why Choose This Cardiac Care Health Insurance Policy?
- All-Round Protection: It covers both heart-related and other medical expenses.
- Financial Peace of Mind: Helps manage the high costs of heart treatments and surgeries.
- Flexible Payments: Offers multiple options for paying premiums.
- Healthy Bonus: Earn a bonus just for staying healthy and not making claims.
- Modern Treatment Coverage: Includes advanced treatments.
In conclusion, the Star Cardiac Care Insurance Policy-Platinum is a comprehensive, specialised cardiac care insurance plan that helps you manage the financial burden of heart conditions. With extensive coverage, flexible options, and a focus on heart-related and general medical expenses, this policy ensures you can focus on getting better without worrying about the costs. It's a smart investment for anyone with a history of heart problems, providing peace of mind and financial security.
HELP CENTRE
Confused? We’ve got the answers
We’re Star Health. We offer the coverage that’s designed to help keep you healthy. It's the care that comes to you, and stays with you.
Star Cardiac Care heart health insurance is a specialized health insurance plan from Star Health Insurance tailored for people with or at risk of heart conditions, providing customized insurance coverage for both cardiac and non-cardiac ailments.
Yes, cashless treatment is available at Star Health’s network hospitals. For planned hospitalisation, you need to inform the insurer 24 hours in advance, and for emergencies, within 24 hours of admission.
Yes, the Star Cardiac Care Platinum policy is specifically designed for individuals with pre-existing cardiac conditions or those who have undergone cardiac surgery. However, coverage is subject to waiting periods and policy terms.
The policy is available for individuals aged 7 to 70 years who have a history of cardiac ailments or have undergone cardiac surgical interventions, making it accessible to a wide range of people.
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Disclaimer:
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
