Star Cardiac Care Insurance Policy

What is the Plan all About?

The ordeal of surgery and its financial complications for its treatment is huge. Star Health presents Star Cardiac Care health insurance plan which offers custom based health insurance solution to the customer by offering numerous policy benefits under one plan.

2 Plan Variants are there under this plan:

Silver
Gold

Key Features

India`s 1st Health policy for persons who have undergone Angioplasty or Bypass Surgery
Cover for surgical and medical management Cardiac Ailments
Personal Accident Death Cover
No Pre acceptance medical screening
Outpatient benefit is available
405 Day care procedures covered
Network of more than 7800 hospitals across India
Facility for maintaining personal health record in electronic format

Policy Benefits

The policy provides hospital cover expenses which includes room rent, nursing & boarding charges,etc. for a minimum stay of 24 hours under section-1 – Regular Hospitalization Cover.
Hospitalization cover due to cardiac related complications are covered under section -2 of the policy.
Pre hospitalization expenses are covered upto 30 days before hospitalization and post hospitalization expenses are covered 60 days after hospitalization upto the specified limit mentioned in the policy.
Outpatient expenses are covered for Rs 500 per event subject to Rs 1500perpolicy period under section 3.
Accidental death cover is available under section 4 of the policy.
405 Day Care Procedures are covered.
Cardiac diseases are covered after 90 days. Gold and Silver Plan covers any cardiac related complications necessitating surgery / intervention and Gold Plan also covers cardiac medical management.

Value Added Benefits

Expenses for emergency Ambulance services are covered as per the specified limit.
Tax Benefit can be availed under section 80 D of the IT Act.
Facility for maintaining personal health record in electronic format.
Lifelong Renewability offered.

Sub Limits

Expenses for emergency Ambulance services are covered upto Rs 750 per hospitalizationand Rs 1,500 for the policy year.
Post Hospitalization expenses covered upto 7% of the hospitalization expenses, subject to a maximum of Rs 5,000.
10% co pay is applicablefor each an every claim for an insured who is more than 60 years of age at the entry.

Waiting Period Clause

Initial waiting period: An initial waiting period of 30 days from the commencement of the policy is to be followed for any hospitalization except for the accident claims.
Specific Waiting Period: Specific waiting period of 2 years is applicable for the list of specified treatments/surgeries under the policy contract.
Pre-existing waiting period: 48 months waiting period is applicable for covering pre-existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	10 Years	65 Years
Sum Assured	3 Lacs	4 Lacs
Cover Type	Individual	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-