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Star Cardiac Care Insurance Policy is designed for individuals aged 10 to 65 years with a history of cardiac ailments. It provides coverage for both cardiac and non-cardiac conditions, offering financial support for medical expenses and peace of mind.
Plan Essentials
1. Unique Product: This policy is specifically designed for those with a history of cardiac conditions. Coverage for cardiac ailments begins after a 90-day waiting period.
2. Flexible Cover: Includes both surgical and non-surgical treatments for cardiac and non-cardiac ailments.
3. Policy Term: The policy can be taken for a duration of one, two, or three years.
4. Sum Insured Options: The policy offers sum insured options of ₹3,00,000 and ₹4,00,000.
5. Personal Accident Cover: It provides worldwide coverage for accidental death during the policy period.
6. Outpatient Cover: Outpatient expenses incurred at network hospitals in India are covered up to the specified limits.
7. Instalment Options: Premiums can be paid quarterly, half-yearly, annually, biennially (every two years), or triennially (every three years).
Policy Benefits
Accident and Non-Cardiac Ailments
- In-Patient Hospitalisation: Covers hospitalisation expenses for more than 24 hours due to illness, injury, or accidents.
- Pre-Hospitalisation: Medical expenses incurred up to 30 days before hospitalisation are covered.
- Post-Hospitalisation: Medical expenses incurred up to 60 days after discharge are covered, subject to a maximum of ₹5,000 per hospitalisation.
- Room Rent: Room and boarding charges are covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.
- Road Ambulance: Ambulance charges are covered up to ₹750 per hospitalisation and ₹1,500 per policy period.
- Day Care Procedures: Covers treatments requiring less than 24 hours of hospitalisation due to technological advancements.
- Modern Treatment: Covers advanced treatments such as oral chemotherapy, intra-vitreal injections, and robotic surgeries, within policy limits.
- Cataract Treatment: Expenses for cataract treatment are covered as per the policy clause.
- Co-Payment: For individuals aged 61 years and above, a co-payment of 10% is applicable for each claim.
- AYUSH Treatment: Covers expenses for inpatient treatment under Ayurveda, Unani, Siddha, and Homeopathy systems, up to the sum insured.
Cardiac Ailments
- In the Gold Plan, both surgical/interventional and medical management of cardiac complications are covered.
- In the Silver Plan, only surgical and interventional management for cardiac complications is covered.
- AYUSH treatment for cardiac-related ailments is covered up to the sum insured.
Outpatient Benefits
- Outpatient expenses incurred at network hospitals in India are covered up to ₹500 per event, with a maximum of ₹1,500 per policy year.
Personal Accident Benefit
- Provides worldwide coverage for accidental death during the policy period.
Why Choose This Policy?
1. Comprehensive Protection: Covers a wide range of medical needs, including cardiac and non-cardiac conditions.
2. Flexible Payment: Offers multiple instalment options to suit your financial needs.
3. Global Safety: Ensures protection through worldwide personal accident coverage.
4. Inclusive Treatments: Covers modern medical advancements and traditional AYUSH treatments.
5. Dual Plan Options: Gold and Silver plans cater to diverse healthcare requirements.
For further details, please refer to the official policy documents for terms and conditions.
FAQs
Rahul Khanna
