Looking for a Cardiac Cover? Choose this Policy by Star Health

About Star Health Insurance

India’s first and largest standalone company in the field of health insurance, Star Health and Allied Insurance Co Ltd., has been the preference of many since 2006. In its more than a decade experience, the insurer has catered to the diverse medical requirements of many individuals and families. No third-party involvement; wide array of sum insured options; cashless facilities in all network hospitals; and vast coverage for individuals, families, senior citizens, children, & women are a few prime elements that make Star Health and Allied Insurance Co Ltd., the ultimate choice of countless people across the country. 

Key Highlights of Star Health: 

• Direct claim settlement 
• 30,89,558 Policies Issued
• 9,300+ Network Hospitals
• 61.76% Incurred Claim Ratio 
• 90% Claim Settlement Ratio
• Lifelong renewability of plans 
• 434 offices all over India
• Superior customer services 
• Affordable premium prices 
• Hassle-free claim settlement process

Star Health Plans 

Star Health Insurance is renowned for offering plans, specifically designed while keeping the diverse needs of individuals, families, senior citizens, kids, women in mind. Affordable and reliable, the product range of Star Health Insurance includes Family Health Optima, Star Comprehensive, Red Carpet, Diabetes Safe, Cancer Care Gold, Star Health Gain, Special Care, Net Plus, Criticare Plus, Family Delite, Star Care Micro Insurance, Medi Classic Insurance Policy, and Super Surplus (Top-up). 

Yet another gem in the wide product range of Star Health is Cardiac Care. 

Star Health Cardiac Care 

Cardiac Care is one of the well-known plans offered by Star Health. Specifically designed for people suffering from cardiac diseases, Cardiac Care is a pocket-friendly plan. Cardiac Care is an ideal health insurance selection for those who want to gain financial security so that they don’t have to deal with sky-rocketing medical costs associated with treatment of cardiac diseases. Superior for supporting heart patients with peace of mind and financial aid, Cardiac Care is a unique, custom-made plan for cardiac patients who want superior health protection. 

Eligibility:

Star Health Cardiac Care is eligible for people aged between 10 years and 65 years who have undergone any of the following: 

• PTCA (Stenting)/CABG (By-pass) within 7 years period, prior to proposal
• Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected
• Patent Ductus Arteriosus (PDA) that has been treated
• RF Ablation or RF Ablation performed for correcting the underlying cardiac condition
• Angiogram done, but no intervention was medically found necessary

Prime Features: 

• Policy period - 1 year 
• Available in two plan options, Gold and Silver
• Sum insured type - Individual 
• Sum insured options - Rs. 3 Lakh and Rs. 4 Lakh
• Flexible cover - Hospitalisation expenses for accident and non-cardiac treatment also covered 
• Hospital cover for cardiac ailments 
• Cover for outpatient medical expenses
• Personal accident cover for accidental death 
• Cover for day care procedure  
• 30 days pre-hospitalisation expenses covered
• 60 days post-hospitalisation expenses covered 
• Coverage for emergency ambulance charges
• Free look period - 15 days 
• Grace period for renewal - 30 days 
• Tax benefits available under Section 80D of the Income Tax Act 

Co-payment Option?

10% co-payment is applicable for hospitalisation cover for accidents & non-cardiac ailments of each and every claim made by the insured individual who is above 60 years at entry level and renewals thereafter. 

Pre-Acceptance Medical Screening?

Star Health Insurance’s Cardiac Care doesn’t come with the requirement of pre-policy medical screening. However, the proposer has to submit all the past medical records of the person proposed for insurance.

Waiting Period?

• Hospitalisation cover for non-cardiac ailments : 48 months waiting period for pre-existing diseases, 30 days for other diseases/illnesses/treatment, 24 months for specified diseases/illnesses/treatment 
• Cardiac related complications : Pre-existing cardiac ailments are covered from 91st day of first commencement of policy.
• Cover for outpatient medical expenses & Personal Accident cover for Accidental Death : No waiting period 

Exclusions?

• War injuries 
• Intentional self injury
• Cosmetic, aesthetic treatment
• Unconventional, untested, experimental therapies, etc.
• Any hospitalisations which are not medically necessary 
• Injury or disease because of nuclear weapons/materials
• Hospital registration charges, admission costs, telephone expenses and such other charges
• Use of intoxicating substances, alcohol, drugs, smoking and tobacco chewing, and others
• Psychiatric, mental and behavioral disorders, and others
• Stem Cell Therapy, Chondrocyte Implantation, Procedures using Platelet Rich Plasma and Intra-articular Injection Therapy

Also Read

WestBridge Consortium to Acquire Star Health

Are You Aware of Star Health Insurance Benefits? Read to Know

Conclusion 

Star Cardiac Care is the best policy cardiac patients can choose to take care of their financial stability and mental & physical health. Dependable and comprehensive, the policy provides the much-desired support to those in need, and that too at an affordable premium rate. Rest assured, investing in Cardiac Care would prove to be beneficial.

Are you willing to learn more about Cardiac Care by Star Health Insurance? If so, please visit our website for more information. You can also check other Star Health Insurance plans, if required.

If you need any kind of assistance, feel free to initiate contact with our experts at 18001205698.