Star Health Cardiac Care Insurance Policy

Star Health Cardiac Care Insurance Policy is a unique and disease specified plan. Analyzing the necessity of health insurance, Star Health has introduced this innovative cardiac care plan which provides coverage for the patients who suffer heart related diseases. Although the premiums of this policy may seem high but it will be beneficial for you in the long run.

• ✔Any person between the ages of 10 to 65 years eligible for this plan.
• ✔Any individuals who have undergone Bypass surgery and Angioplasty for the first time can apply 6 months post-surgery until 3 years post-surgery.
• ✔The Sum Insured is given as per the individual.

There are two types of plans: Silver and Gold Plan. But the below mentioned benefits are applicable for both plans.

Benefits under section 1

Hospitalization cover

• ✔Covers expenses in patient hospitalization, which include room rent, nursing and boarding charges, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities, Surgeon, Anesthetist, Medical Practitioner and many more.
• ✔405 Day-care treatments are covered under this Star Health Cardiac Care Insurance Policy.
• ✔Ambulance charges for emergency transportation.
• ✔Pre and post hospitalization expenses up to specific limits.

Benefits under Section 2

Cardiac Section

• ✔According to this Star Cardiac Care Insurance Policy, after 90 days of waiting period, it provides coverage to in patient for all cardiac associated diseases.

Benefits under Section 3

Out-Patient Expenses

• ✔Under this section, you will get the coverage for out-patient expenses. The company will pay the amount of network hospitals/diagnostic centers expenses for out-patients.

Benefits under Section 4

Personal Accident

• ✔Policyholder will get hospitalization coverage incurred due to any accidental injury. Apart from this, if during the period of insurance, the insured person suffers any bodily injury from any accident caused by external or violent and if such accident causes death of the insured, then the company will pay the Sum Insured as compensation mentioned in the policy schedule.

• ✔The Sum Insured amount can be enlarged at the time of policy renewal.
• ✔Pre-existing illness is covered after 48 months of continuous coverage without any break with any Indian Non-Life Insurer.
• ✔Provides coverage for regular health care and specific disease.
• ✔Hospital cash allowance benefits.
• ✔Treatment costs and room rent costs has no limit.
• ✔A pre-acceptance health test is not required.
• ✔Tax rebate under section 80D of the Income Tax Act.
• ✔Policyholder can migrate to another insurer towards renewal.
• ✔Lifelong renewal option is available.
• ✔15 days free look period from the date of policy receipt is available for evaluating the terms and conditions of plan.

Conclusion

Star Cardiac Care Insurance policy is a wonderful health insurance product by Star health. It covers all kind of cardiac ailments at an affordable price which is very rare with most other insurance plans. It also provides all the benefits that a basic health insurance scheme offers.

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