Star Health Cardiac Care Insurance Policy

Star Cardiac Care is a health insurance policy designed for people who have undergone heart related treatment. After a heart attack you cannot buy health insurance it means cardiac related issues is an exclusion in health insurance. Star health insurance company have special plans for Heart Patients that covers cardiac related issues. This Health insurance plan includes medical emergency for normal hospitalization and that arises due to heart related issues also. Cardiac care health insurance plan makes sure that it provides proper medical treatment to an insured person without worrying at the time of financial emergency. Cardiac care health insurance plan is the best key to full fill the heavy hospital bills at the time of hospitalization. Cardiac health insurance policy helps in financial emergencies. Health care costs have increased drastically over few years and any medical treatment can burn your savings but with the help of these special health Cardiac care insurance plans, an individual can get extra financial support even after the First Heart Attack.

Who Can Buy Star Health Cardiac Care Insurance Policy?

Undergone Percutaneous Transluminal Coronary Angioplasty – PTCA or Coronary Artery Bypass Graft (CABG) – Within 7 years
Atrial Septal Defect – ASD or Ventricular Septal Defect – VSD – Corrected
Patent Ductus Arteriosus (PAD) – Treated
RF Ablation or RF Ablation done to correct Cardiac Condition
Angiogram done – But intervention not found necessary

About Star Health Cardiac Care Insurance Policy (Individual):

Entry age	10 Years to 65 years
Sum Insured	3 Lac and 4 Lac
Policy Period	One year
Type of plan	Individual
Variants	There are two types of plans: Gold plan & Silver plan
Renewal	Lifelong renewal

Benefits of Star Health Cardiac Care Insurance Policy:

Section – 1	Regular Hospitalisations – Other than Cardiac related
Room Rent, Boarding and Nursing Expenses	Rs. 5000 per day
Professional Fees	Surgeon, Anaesthetist, Medical Practitioner, Consultant, Specialist Fees – Actual
Other Medical Expenses	Anaesthesia, Blood, Oxygen, OT Charges, Surgical Appliances, Medicines and Drugs, Diagnostic materials, Xray, Diagnostic Imaging, Dialysis, Chemotherapy, Radiotherapy etc – Actual
Ambulance Charges	Rs. 750 per hospitalisation – Rs. 1500 per policy year
Pre – Hospitalisation	30 days prior to the date of hospitalisation – Actual
Post – Hospitalisation	60 days – (7% of nursing expenses, Surgeon/consultant Fees, Diagnostic Charges, Cost of medicines and drugs with Max Rs. 5000)
Section – 2 – Gold	1. Cardiac related Complications – resulting in Surgery or intervention 2. Cardiac Medical Management
Section – 2 – Silver	Cardiac related Complications – resulting in Surgery or intervention only Cardiac Medical Management not covered
Both Gold and Silver a. Room Rent, Boarding and Nursing Expenses b. Professional Fees c. Other Medical Expenses d. Ambulance Charges e. Pre-Hospitalisation f. Post – Hospitalisation	Same as Section 1
Section – 3	Out Patient Consultation – Max. Rs. 500 per consultation Max – Rs. 1500 per policy year – Pay-out forms part of Sum Insured
Section – 4	Personal Accident – Death Cover – Accident Cover Sum Insured Equivalent to Health Sum Insured
Day – Care Treatment	405 – Day Care Procedures
Sublimit for Cataract	Max Rs. 20,000 per hospitalisation – Max Rs. 30,000 for policy period
Treatment on Package Charges basis	80% of Package Charges paid – for Section 1 hospitalisations only
30 days – Waiting Period	Any Disease Contracted by the insured
90 days – Waiting Period	PEDs related to Cardiac ailments
24 Months – Waiting Period	Like – Cataract, ENT, Thyroid, prolapse of intervertebral Disc (Non-Accidental), Varicose- veins & Ulcers, Prostate Disease, Hernia, Fistula/Fissure, Congenital Internal Disease, – For full list refer product broacher
48 Months – Waiting Period	PEDs – Other than Cardiac related PED – Declared in Proposal and Endorsed in Policy
Permanent Exclusions	Like – Congenital External defects, Dental Treatments (Non-Accidental), Psychiatric treatment, Venereal diseases, Intentional Self Injury, Pregnancy and child birth related, Weight Control, Cosmetic treatments, Plastic Surgery – For full list refer product broacher
Pre-Acceptance Medical Screening	Not Required – But all the past medical records of the proposed insured to be submitted
Co Payment	10% on every Hospitalisation – Under Section 1 only – For Age above 60 years at ENTRY

Premium of Star Health Cardiac Care Insurance Policy Individual Plan:

Sum Insured Rs.	3,00,000/-		4,00,000/-
Plan/Age – Band in Yrs.	Silver Plan	Gold Plan	Silver Plan	Gold Plan
10-60 yrs.	14,095	18,790	16,110	21,475
61-65 yrs.	16,210	21,610	18,525	24,695
66-70 yrs.	18,640	24,850	21,300	28,400
71-80 yrs.	20,505	27,335	23,430	31,240
Above 80 yrs.	22,555	30,070	25,775	34,365

Documents for Star Health Cardiac Care Insurance Policy:

Filled in a Proposal form
Pass Port Size Colour Photo
Old Medical Reports
Age proof of each family member
Address proof
Bank Details of Proposer

Claims Procedure:

Call the 24-hour help-line for assistance – 1800 425 2255 / 1800 102 4477
In case of planned hospitalization, inform 24 hours prior to admission in the hospital.
In case of emergency hospitalization information to be given within 24 hours after hospitalization.
Cashless facility wherever possible in network hospital
In non-network hospitals payment must be made up-front and then reimbursement will be affected on submission of documents.

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