Star Cardiac Care Insurance Policy

Highlights

Cardiac cover
This policy is specially designed for persons who have existing Cardiac diseases

Flexible cover
Hospitalization expenses for accident and non cardiac treatments also covered

Out patient cover
Cover for Out Patient Benefit is available

Accident cover
Personal Accident Death Cover at no additional cost

Silver plan
Surgical and Interventional management is covered under Silver plan

Gold plan
In addition to all the above benefits Gold plan also covers Medical Management for Cardiac Treatments

Benefits

Policy Benefits: (Applicable for Both Silver Plan and Gold Plan)

Section 1: Hospitalization cover

Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Blood, Operation Theatre, Diagnostics, imaging modalities , Cost of Medicines and Drugs.

Ambulance charges for emergency transportation to hospital as per specified limits.

Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.

Post-hospitalization expenses incurred up to 7% of the
hospitalization expenses subject to a maximum of Rs.5,000/- per hospitalization

All Day-care treatments covered
Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage

Section 2: Cardiac Section
After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases. This waiting period will not apply for renewals.

Section 3: Out-Patient Expenses
Expenses reasonably and necessarily incurred at any Networked Facility in India herein defined as an Out-patient Treatment, provided policy is in force

The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period. This benefit forms part of the Sum Insured.

Section 4: Personal Accident
If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation

Waiting period: (Applicable for both Plans)

Section 1:
30 days (Not applicable for Accidents)
24 months for specified illness/ diseases.
48 months for treatment of Pre existing diseases

Section 2:
90 days

Co-Payment:
10% of each and every claim amount for insured persons beyond 60 years of age at entry level and renewals thereafter.(Applicable for Section 1 only)

Pre-Acceptance Medical Screening:
No pre-acceptance medical screening. However the proposer has to submit all the past medical records of the person proposed for insurance.

Coverage for Modern Treatment
Instalment Facility: Premium can be paid Monthly, Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).

Eligibility
Any person between 10 years and 65 years of age, who has
undergone PTCA (Stenting) or CABG (By-pass) procedure (within 7 years period prior to proposal) or
Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or
Patent Ductus Arteriosus (PDA) that has been treated or
Undergone RF Ablation to correct the underlying cardiac condition or Had an Angiogram done but no intervention was medically found necessary
Policy Tenure: One year
Sum Insured options : Rs.3,00,000/- and Rs.4,00,000/-
Sum Insured Type: Individual

General Terms

Tax Benefits:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Free Look Period:
A free look period of 15 days from the date of receipt of the policy by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the cost of pre-medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.

Free look Period is not applicable at the time of renewal of the policy

Renewal:
Lifelong renewal

Grace Period for renewal:
30 days from date of expiry of policy.

Revision of Sum Insured:
Option to Reduce or enhance sum insured is permissible at the time of renewal subject to approval of the Company.

Star Advantages
No Third Party Administrator, direct in-house claim settlement.
Faster and hassle-free claim settlement.
Cashless hospitalization.
Network of more than 10200+ hospitals across India.