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 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 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.

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 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.

AYUSH Treatments

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 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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Bengaluru

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Chennai

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Mumbai

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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.

Sudhir Bhaiji

Indore

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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.

user
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.

user
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.

user
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.

user
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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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 Star 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:

1. Heart-Specific Cover: This cardiac care health insurance policy covers heart-related treatments, including hospital stays and surgeries. If you need heart treatment, this policy covers it.

2. More Than Just Heart Coverage: It also covers expenses from other illnesses and accidents, making sure you're protected in many situations.

3. 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.

4. 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!

5. Coverage for Heart Devices: This policy will cover 50% of the costs if you need devices like pacemakers.

6. Heart Transplants: It also covers the costs of heart transplants, including harvesting and transporting the heart, up to 200% of the sum insured.

7. 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 Star Cardiac Care Insurance Policy-Platinum 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

Hospitalization: This policy covers the costs of staying in the hospital for more than 24 hours due to an illness or accident.
Before and After Hospitalization: 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:

Hospitalization for Heart Conditions: Covers costs when hospitalized 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 cardiac care policy is available for anyone aged 7 to 70 diagnosed with a heart problem and 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, specialized cardiac care insurance policy 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.

Disclaimer:
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.