Star Cardiac Care Health Insurance Plan
Star Cardiac Care Health Insurance Plan - The Star cardiac care policy has two options which takes care of regular health care and also a specific cover to take care of cardiac related problems.
Eligibility - Star Cardiac Care Health Insurance Plan
- Minimum age- 10 years and maximum -65 years and has undergone for the first time PTCA (Stenting) or CABG (By-pass) within 4 years prior to the date of policy purchase.
- The sum insured is given as per the individual member covered.
Policy benefits - Star Cardiac Care Health Insurance Plan
Section 1:
- Hospitalisation Cover: Covers in-patient hospitalisation expenses for a minimum of 24 hrs.(Roomrent, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs).
- Pre-existing diseases are covered after 48 months of continuous insurance
Section 2:
- Hospitalisation cover: Cardiac ailments are covered for in-patient with a minimum of 24 hours.
- Pre-existing ailments are covered from the 91st day of commencement of policy.
Other benefits - Star Cardiac Care Health Insurance Plan
- Ambulance charges for emergency transportation to hospital
- Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
- Post-hospitalisation paid as lump-sum up to the limit specified.
- 101 day-care treatments covered
Coverage - Star Cardiac Care Health Insurance Plan
Gold Plan |
Silver Plan |
Hospitalisation Expenses incurred as an in-patient for: |
Hospitalisation Expenses incurred as an in-patient for: |
Sec 1: Illness / Sickness / Diseases / Accidental Injuries Sec 2 : Any Cardiac related complications which necessitate surgery / intervention and Cardiac Medical Arrangement |
Sec 1: Illness / Sickness / Diseases / Accidental Injuries
Sec 2 : Any Cardiac related complications which necessitate surgery / intervention |
Premium Details - Star Cardiac Care Health Insurance Plan
Gold Plan |
Silver Plan |
||||
Sum Insured |
400000 |
300000 |
Sum Insured |
400000 |
300000 |
Age |
Premium |
Age |
Premium |
||
10-60 |
30000 |
26000 |
10-60 |
22000 |
18000 |
61-65 |
34000 |
28000 |
61-65 |
25000 |
19000 |
For Renewals only |
|||||
66-70 |
37000 |
30000 |
66-70 |
27000 |
21000 |
71-80 |
41000 |
32000 |
71-80 |
30000 |
23000 |
Above 80 |
57400 |
44800 |
Above 80 |
39000 |
29900 |
*The above rates may change. Please check the policy wordings for more details.
Co-payment: 10% of each claim for insured beyond 60 years at time of entry and renewals after that.
Cancellation Policy - Star Cardiac Care Health Insurance Plan
Misrepresentation, fraud, moral hazard or non-cooperation on behalf of the insured might lead to cancellation of policy making way for appropriate refund.
Period on risk |
Rate of Premium to be retained by the insurer |
Up to 1 month |
1/3rd of annual premium |
Up to 3 month |
1/2 of annual premium |
Up to 6 month |
3/4th of annual premium |
Exceeding 6 months |
Full annual premium |
Free Look Period: A period of 15 days after date of receipt of policy to review terms and conditions during which insured can cancel it.
Portability - Star Cardiac Care Health Insurance Plan
If the insured wishes to migrate to another Insurer towards renewal, he can draft an application at least 45 days before the date of renewal.
Renewal Policy - Star Cardiac Care Health Insurance Plan
- A grace period of 30 days is allowed from the date of expiry.
- Permitting an enhancement after renewal during this process.
Tax Benefit: Payment of premium by any mode other than cash is subject to rebate under section 80D.
Exclusions - Star Cardiac Care Health Insurance Plan
- Pre Existing diseases as mentioned.
- Disease that creeps into the insured during the first 30 days of the policy period. Also expenses of defined and related diseases as mentioned would not be borne during the first two years of continuous operation of insurance.
- Dental treatment or surgery (excluding accidental damages).
- Injury due to nuclear weapons and war or breach of law on an intentional basis.
- Expenses on Vitamins and tonics not part of the treatment schedule.
- Hospital registration and admission charges, record and telephone charges.
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