Star Cardiac Care Overview
Star Cardiac Care is a specialized health insurance policy designed exclusively for individuals who have undergone cardiac interventions such as angioplasty, bypass surgery, or corrective heart procedures. This plan offers comprehensive coverage to support post-surgical care and cardiac health maintenance, ensuring financial protection against hospitalization and related medical expenses.
Eligibility
- Persons aged between 18 and 65 years.
- Individuals who have undergone any of the following:
- Percutaneous Transluminal Coronary Angioplasty (PTCA) or Coronary Artery Bypass Graft (CABG) within 7 years before the proposal.
- Corrective surgery for Atrial or Ventricular Septal Defect.
- Treatment for Patent Ductus Arteriosus.
- Other corrective cardiac surgeries or clinically indicated angiograms without interventions.
Policy Highlights
- Renewable lifelong for continued cardiac coverage.
- Coverage includes hospitalization, pre and post-hospitalization expenses related to cardiac ailments and accidents.
- Personal accident cover for accidental death up to the insured sum.
- Modern treatment expenses included within policy limits.
- Covers day care procedures related to cardiac care.
- Outpatient medical expenses, ambulance charges during hospitalizations.
- Sub-limits apply for cataract treatment.
- No requirement for pre-acceptance medical screening; prior medical documents suffice.
Plan Options and Sum Insured
- Multiple sum insured options (INR 3,00,000 and INR 4,00,000 recommended).
- Plan variants: Gold and Silver.
- Policy terms available for 1, 2, or 3 years with flexible premium payment options including quarterly, half-yearly, and yearly installments.
Important Details
- Claims require disclosure of all prior medical details.
- Coverage excludes certain preexisting diseases until a waiting period is completed.
- Co-payment condition of 10% on claims for insured persons aged 61 and above at entry.
- Coverage is subject to terms including exclusions for specified diseases, waiting periods, and fitness conditions.
- Free look period of 15 days to review the policy.
- Option for portability and renewal with accrued benefits.
Claims Process
- Inform Star Health 24 hours prior to planned hospitalization.
- Emergency hospitalization must be reported within 24 hours.
- Cashless facility available at network hospitals; reimbursement option available for non-network hospitals.