userThe Star Cardiac Care Insurance Policy-Platinum is a comprehensive health insurance plan specifically designed for individuals with cardiac conditions. Here’s a detailed summary:
Plan Essentials:
1. Cardiac Cover: Tailored for individuals aged 7 to 70 years diagnosed with cardiac ailments and treated with surgical interventions.
2. Non-Cardiac Cover: Includes hospitalisation and daycare expenses for non-cardiac ailments and accidents up to the sum insured.
3. Sum Insured Options: ₹5,00,000, ₹7,50,000, ₹10,00,000, ₹15,00,000.
4. Cumulative Bonus: Earn 10% of the basic sum insured for each claim-free year, up to 100% of the sum insured.
5. Cardiac Devices: Covers up to 50% of the sum insured for devices like Pacemaker, CRT-D, and AICD.
6. Heart Transplantation: Covers expenses for heart harvesting and transportation up to 200% of the basic sum insured.
7. Instalment Options: Premiums can be paid quarterly, half-yearly, annually, biennially (2 years), or triennially (3 years).
8. Policy Term: Available for 1, 2, or 3 years.
Section I – Accident and Non-Cardiac Ailments:
Hospitalisation: Covers inpatient expenses for stays over 24 hours.
Pre-Hospitalisation: Medical costs up to 30 days before hospitalisation.
Post-Hospitalisation: Expenses up to 60 days post-discharge.
Room Rent: Covers single private A/C room costs.
Road Ambulance: Charges for private ambulance services are covered.
Day Care Procedures: Covers modern procedures requiring less than 24 hours of hospitalisation.
Modern Treatment: Covers advanced treatments like Oral Chemotherapy and Robotic Surgeries.
Rehabilitation & Pain Management: Covered up to 10% of the basic sum insured per policy year.
Automatic Restoration: 100% restoration of the sum insured (once per policy year) for unrelated illnesses.
Cumulative Bonus: 10% of the sum insured added yearly for claim-free years, up to 100%.
Health Check-Up: Covers expenses after each policy year.
AYUSH Treatments: Covers treatments under Ayurveda, Unani, Siddha, and Homeopathy.
Wellness Services: Rewards healthy lifestyle practices.
Section II – Cardiac Ailments:
Hospitalisation: Covers inpatient expenses for stays over 24 hours.
Pre & Post-Hospitalisation: Costs covered up to 30 days before and 60 days after hospitalisation.
Room Rent: Single private A/C room expenses are covered.
Cardiac Devices: Coverage up to 50% of the sum insured.
Heart Transplantation: Coverage up to 200% of the basic sum insured.
Modern Treatment: Covers advanced procedures like Oral Chemotherapy.
Rehabilitation & Pain Management: Covered up to 10% of the basic sum insured.
Conventional Coronary Angiogram Test: Covered as per policy limits.
Cumulative Bonus: Same as Section I.
AYUSH Treatments: Covered up to the sum insured.
Section III – Outpatient Expenses:
OPD and Vaccination: Costs at network facilities covered as per policy terms.
For complete details, refer to the policy document.
FAQs
Rahul Khanna
