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Star Cardiac Care Insurance Policy-Platinum

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IRDAI UIN: SHAHLIP22033V022122

HIGHLIGHTS

Plan Essentials

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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.
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Non-Cardiac Cover

Hospitalisation and Day Care expenses due to non-cardiac ailments and accidents are covered up to the Sum Insured.
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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/-.
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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.
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Cardiac Devices

Expenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured.
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Heart Transplantation

Expenses 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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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.
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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 Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

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

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.

Room Rent

Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.

Road Ambulance

Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.

Day Care Procedures

Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.

Cataract Treatment

Expenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.

Modern Treatment

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.

E-Medical Opinion

E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.

Rehabilitation & Pain Management

Expenses 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 Restoration

On exhaustion of the limit of coverage,100% of the basic Sum Insured will be restored once in the policy which can be utilised for illness or disease for which claims were already made. This benefit is not available for modern treatment and cardiac ailment.

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.

Health Check-Up

After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.

Wellness Services

This program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities.

SECTION II - Cardiac Ailments

In-patient Hospitalisation

Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.

Pre-Hospitalisation

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

Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.

Room Rent

Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.

Road Ambulance

Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.

Modern Treatment

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.

E-Medical Opinion

E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.

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.

Conventional Coronary Angiogram Test

Expenses incurred for Coronary Angiogram test are covered up to the limits mentioned in this policy.

Rehabilitation & Pain Management

Expenses 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 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.

Health Check-Up

After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.

Wellness Services

This program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities.

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.
STAR HEALTH

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