Star Cardiac Care Insurance Policy-Platinum
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 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 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. |
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. |
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.
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Thiruvananthapuram
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Chennai
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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.
Shaila Ganachari
Mumbai
Get InsuredI 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.
Sudhir Bhaiji
Indore
Get InsuredMy 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.
Tiji K Oommen
Thiruvananthapuram
Get Insured
Tiji K Oommen
Thiruvananthapuram
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.
Vanishree
Bengaluru
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.
Ramachandran
Chennai
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.
Shaila Ganachari
Mumbai
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.
Sudhir Bhaiji
Indore
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.
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