Star Health Cardiac Care Insurance

  • Available for 10 years to 65 years of age
  • Individual health plan
  • Pre-hospitalization and Post-hospitalization Expenses
  • Pre-existing diseases are covered after 48 months of continuous insurance
  • Lifelong renewability
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Eligibility

  • Entry age is 5 months to 65 years for the proposer.
  • The policy can be issued to an individual.
  • Preexisting diseases other than cardiac related diseases will be covered from the 5th year
  • Features
  • Benefits
  • Coverage
  • Exclusions

  • This policy covers regular medi-claim and also specific cover to cardiac related complications.
  • Person between 10 years to 65 years and can be renewed till 80 years, with a coverage of 3 and 4 lakhs.
  • Pre-existing cardiac ailments covered from 91st day from the commencement of the policy.
  • Applicants who had undergone PTCA (Stenting) or CABG (By-pass) for the first time, within 4 years can buy this policy.
  • It covers pre-post hospitalization expenses.

  • Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,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 with any Indian insurance company.

Cardiac care:
  • Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.
  • Pre-existing cardiac ailments covered from the 91*day of the commencement of the policy.

Pre & Post Hospitalization:
  • pre-hospitalization medical expenses up to 30 days prior to the date of admission in the hospital.
  • post-hospitalization medical expenses up to 60 days after discharge from the hospital.

Gold plan Silver plan
Hospitalisation expenses incurred as an in-patient for:
  illness/ Sickness /Disease /Accidental injuries
   Any Cardiac related complications which necessitate surgery /intervention and Cardiac medical management
Hospitalisation expenses incurred as an in-patient for:
  illness/ Sickness /Disease /Accidental injuries
  Any Cardiac related complications which necessitate surgery /intervention

  • Pre-existing diseases as defined in the policy until 48 consecutive months of continuous coverage have elapsed, since inception of the first policy with an Indian Insurer, However the limit of the company's liability in respect of claim for pre-existing diseases under sub portability shall be limited to the sum insured under the first policy with any Indian Insurance company.
  • Any disease contracted by the insured person during the first 30days from the commencement date of the policy, this condition will not apply if the insured person having been covered under any health insurance scheme.
  • During the first two years of continuous operation of this insurance cover, the following are not payable
    1. The expenses on treatment cataract,glaucoma, retinal detachment/macular degeneration, prolapse of intervertibral disc, varicose veins and varicose ulcers, bengin prostatic hypertrophy, deviated nasal septum, sinusitis, tonsillitis, nasal polyps, Chronic supparative Otitis Media and related diseases, hernia, hydrocele, fistula/fissure in ano and hemorrhoids congenital internal disease.
    2. All treatments for gall bladder and pancreatic calculi and genitourinary calculi.
    3. All treatments for uterine prolapse, dsyfunctional uterine bleeding, fibroids,pelvic inflammatory diseases of fallopian tubes and ovaries.
    4. Operative treatment of joint diseases.
    5. All types of joint replacement.
    6. degenerative disc and vertebral diseases and degenerative diseases of the muscle-skeletal system.
    1. Circumcision unless necessary for treatment of a disease not excluded under this policy or necessitated due to an accident.
    2. Vaccination.
    3. Inoculation or change of sex or cosmetic or aesthetic treatment of any description, plastic surgery.
  • Cost of spectacles and contact lens, hearing aids walkers, crutches wheel chairs including CPAP,CAPD,infusion pump and such other aids.
  • Dental treatment or surgery of any kind unless necessitated due to accidental injuries and requiring hospitalisation.
  • Convalescence. general debility, run-down condition or rest cure,nutritional deficiency states,psychosomatic, mental and behavioral disorders, congential external disease or defects or anomalies,venereal disease, intentional self injury and use of intoxicating drugs /alcohol smoking and tobacco chewing.
  • Treatment arising from or traceable pregnancy, childbirth miscarriage, abortion or complications of any of these, family planning treatment. All types of treatment for infertility.
  • Expenses incurred on Lasik Laser or refractive error correction treatment, treatment of eye disorders requiring intra vitreal injections.
  • Expenses incurred on weight control services including surgical procedures for treatment of obesity, medical treatment for weight control/loss programs.
  • Expenses incurred for treatment of diseases/illness/accidental injuries by systems of medicines other than allopathic.
  • 10% of each and every claim amount for insured persons beyond 60years of age at entry level and renewals thereafter.

 
 

Star Health Insurance

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