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

Cardiovascular diseases are among the central causes of morbidity and mortality across the world, making the need for cardiac insurance plans more critical than ever. A well-rounded cardiac care health insurance plan is not just about covering the immediate costs related with heart-related medical emergencies; it also includes preventive measures and ongoing care to manage such chronic conditions effectively.

Keeping this in mind, Star Health has come up with Star Cardiac Care Insurance Policy, a custom made solution, just apt to ensure a smile on the Insured’s face, always.

Any individual aged between 10 and 65 years who have underwent any of the following treatments/interventions can avail this plan:

• Percutaneous Transluminal Coronary Angioplasty (PTCA) / Coronary Artery Bypass Graft (CABG) within 7 years period prior to proposal or
• Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or
• Patent Ductus Arteriosus (PDA) that has been treated or 
• RF Ablation or RF Ablation done to correct the underlying cardiac condition or
• Had an Angiogram done but no intervention was medically found necessary

With Sum Insured options of Rs. 3 Lakhs and Rs. 4 Lakhs, this plan comes with an in-built Personal Accident cover for Accidental Death with benefit equal to the chosen Sum Insured.

Star Cardiac Care Insurance Policy has 2 variants - Silver and Gold with coverage extending to Accident & Non-Cardiac ailments, Cardiac ailments and complications including surgical interventions and medical management (Gold Plan only), Out patient expenses and Modern treatments.

This plan also covers:

• Room, boarding and nursing expenses to a maximum of Rs. 5,000/- per day
• Emergency ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period
• Pre and Post hospitalization expenses

With a waiting period of just 90 days, get complete care and protection for your heart with Star Cardiac Care Insurance Policy.

The Future of Health Insurance for Heart Patients in India

As we look towards 2025 and beyond, the landscape of health insurance for heart patients in India is set to undergo significant transformations. With advancements in medical technology and a growing cardiovascular health awareness, insurance providers are evolving to offer more comprehensive and tailored coverage for individuals with heart conditions. Here's the future for health insurance policies designed for heart patients in India.

Advancements in Cardiac Care Insurance Policies

By 2025, health insurance policies for heart patients will become even more inclusive and personalized. These policies will likely offer broader coverage for various cardiac treatments, including cutting-edge procedures and therapies previously unaffordable or unavailable.

1. Enhanced Coverage for Innovative Treatments:

• Policies will cover advanced treatments such as gene therapy, 3D-printed heart valves, and minimally invasive robotic surgeries.
• Insurance plans will include comprehensive cardiac rehabilitation programs, ensuring patients receive holistic care during their recovery.

2. Focus on Preventive Care:

• Health insurance for heart patients will emphasise preventive measures more. Regular health check-ups, personalized wellness plans, and access to nutrition and fitness experts will be standard features.
• AI-driven health monitoring devices that track heart health in real time will be integrated into insurance plans, allowing for early detection and intervention of potential issues.

3. Comprehensive Telemedicine Services:

• Telemedicine will become a core component of health insurance policies. Patients will have access to virtual consultations with top cardiologists, reducing the need for frequent hospital visits.
• Remote monitoring and telehealth platforms will enable continuous care and support for heart patients, especially those in rural or remote areas.

Health Insurance for Heart Attack Patients

By 2025, health insurance for heart attack patients will provide even more robust coverage, ensuring that patients receive immediate and extensive medical care without financial worries. Insurance providers will include:

• Emergency Coverage: Immediate coverage for emergency treatments and procedures following a heart attack.
• Post-Recovery Care: Comprehensive post-recovery care, including cardiac rehabilitation and long-term follow-up consultations.

Medical Insurance for Heart Patients in India

Medical insurance for heart patients in India is tailored to provide comprehensive coverage for various heart conditions. These policies typically cover:

• Hospitalization Costs: Including room rent, ICU charges, and nursing expenses.
• Surgical Expenses: Covering costs of heart surgeries like angioplasty and bypass surgery.
• Pre and Post-Hospitalization: Expenses incurred before and after hospitalization, such as diagnostic tests and follow-up visits.
• Day Care Procedures: Treatments and procedures that do not require a 24-hour hospital stay.
• Modern Treatments: Advanced treatments like robotic surgeries, oral chemotherapy, and more.

Medical Insurance for Sugar Patients and Heart Conditions

Given the close link between diabetes and heart disease, future health insurance policies will offer combined coverage for both conditions. These policies will include:

• Integrated Care Plans: Personalized care plans that address both diabetes management and heart health, ensuring holistic treatment.
• Advanced Monitoring Devices: Coverage for advanced devices that monitor both blood sugar levels and heart health in real time.

Choosing the Best Health Insurance for Heart Patients

As health insurance policies continue to evolve, selecting the best plan will involve considering several factors:

• Comprehensive Coverage: Ensure the policy covers all necessary treatments, including advanced and innovative procedures.
• Preventive Measures: Look for policies emphasising preventive care and regular health check-ups.
• Telemedicine Services: Opt for plans that include telemedicine and remote monitoring services for continuous care.
• Sum Insured Options: Choose a sum insured that meets your future financial needs and potential medical expenses.

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

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