Star Cardiac Care Insurance Policy - Platinum
The Star Cardiac Care Insurance Policy – Platinum is designed specifically for individuals who have been diagnosed with cardiac ailments and have undergone surgical interventions or procedures related to heart conditions. This plan offers comprehensive coverage for cardiac and non-cardiac treatments, ensuring your health and financial security during challenging times.
Eligibility
- Suitable for persons aged 7 to 70 years.
- Renewal is lifelong.
Sum Insured Options
- Rs. 5,00,000
- Rs. 7,50,000
- Rs. 10,00,000
- Rs. 15,00,000
Coverage Highlights
Section 1: Accident and Non-Cardiac Ailments
- Single private AC room hospitalization
- Surgeon, anesthetist, and specialist fees
- Anesthesia, blood, operation theatre, ICU, medicine charges
- Emergency ambulance charges
- Pre-hospitalization (30 days) and post-hospitalization (60 days) medical expenses
- Cataract treatment up to specified limits
- E-Medical Opinion facility from expert panel
Section 2: Cardiac Ailments
- Coverage similar to Section 1 but specific to cardiac treatments
- Cardiac devices covered up to 50% of the sum insured
- Heart transplantation expenses (subject to conditions)
- Emergency ambulance for cardiac events
- Pre- and post-hospitalization expenses as above
- E-Medical Opinion facility
Section 3: Out-Patient Benefits
Outpatient expenses including vaccination at networked facilities (does not impact sum insured)
Additional Benefits
- Automatic restoration of basic sum insured (once per policy period) for non-cardiac illnesses
- Cumulative bonus of 10% for every claim-free year, up to 100%
- Annual health check-up reimbursement
- Wellness services including nutrition consultation, stress management counseling, tele-consultations, and e-pharmacy
- Coverage for rehabilitation and pain management related to specific conditions
- Day care procedures covered fully
Waiting Periods
- 30 days waiting period for general illness coverage
- Specific waiting periods apply for pre-existing conditions and cardiac ailments as per policy terms
Exclusions
- Pre-existing diseases exclusion varies by section (up to 48 months for non-cardiac, 30 days for cardiac)
- Certain specified diseases and procedures subject to waiting periods
- Cosmetic surgeries, obesity treatment (except specific conditions), and other detailed exclusions as per policy
Policy Terms
- Policy terms of 1, 2, or 3 years available
- Premium payment options: annual, bi-annual, quarterly (with applicable loadings)
- Grace period of 30 days for renewal with coverage limitations
- Portability and migration benefits per IRDAI guidelines
- Free look period of 15 days for new policies
Claim Process
- 24/7 helpline support for claim assistance
- Cashless hospitalization at network hospitals
- Reimbursement process for non-network hospitals on submission of documents
- Transparent claims settlement with direct in-house processing
Tax Benefits
Premium payments eligible for tax relief under Section 80D of the Income Tax Act, 1961