The Star Cardiac Care Insurance Policy is a unique and dedicated health insurance plan from Star Health and Allied Insurance, specially designed for individuals with existing cardiac conditions. Unlike standard health plans that often exclude pre-existing heart ailments, this policy offers comprehensive protection for cardiac and non-cardiac health issues. It aims to provide financial security and peace of mind to those who have undergone cardiac procedures and require continued health coverage.
📌 Key Features
- Eligibility:
- Available for individuals aged 10 to 65 years.
- Specifically designed for those who have undergone CABG (bypass surgery) or PTCA (angioplasty).
- Policy Variants:
- Silver Plan – Covers hospitalization expenses for surgical management of cardiac ailments.
- Gold Plan – Offers coverage for both surgical and medical management of cardiac issues.
- Sum Insured Options:
- Choice of ₹3,00,000 and ₹4,00,000 sum insured.
- Lifetime renewability is available.
- Policy Term Options:
- 1 year, 2 years, or 3 years available for long-term coverage.
🏥 Coverage Benefits
- In-Patient Hospitalization:
- Covers room rent, boarding, nursing, and ICU charges.
- Includes doctor’s fees, surgery, anesthetist, and medicines.
- Pre & Post-Hospitalization:
- 30 days before and 60 days after hospitalization expenses are reimbursed.
- Daycare Procedures:
- All daycare treatments requiring less than 24-hour hospitalization are covered.
- Outpatient Coverage:
- Outpatient medical consultations for non-cardiac ailments at network hospitals.
- Limit: ₹500 per event, maximum ₹1,500 per policy period.
- Ambulance Charges:
- Coverage for emergency ambulance up to specified limits.
- Accidental Death Cover:
- Sum insured paid to nominee in case of death due to accident.
🎁 Additional Benefits
- Automatic Restoration:
- 100% of the sum insured restored once during the policy year if exhausted.
- Cumulative Bonus:
- 10% increase in sum insured for every claim-free year (max up to 100%).
- Wellness Program:
- Rewards policyholders for healthy living with renewal discounts.
- Tax Benefit:
- Premium paid is eligible for tax deduction under Section 80D of the Income Tax Act.
⚠️ Waiting Periods & Exclusions
- Waiting Periods:
- 30 days initial waiting period.
- 90 days for cardiac treatments.
- 2 years for specific diseases.
- 4 years for declared pre-existing conditions.
- Major Exclusions:
- Cosmetic or plastic surgeries.
- Non-allopathic treatments (unless specifically covered).
- Intentional injuries, war-related injuries, HIV/AIDS.
✅ Why Choose Star Cardiac Care Policy?
- One of the very few health insurance plans that cover individuals with existing heart conditions.
- Helps reduce out-of-pocket expenses for future cardiac events or other illnesses.
- Offers flexible plan options based on medical management or surgery.
🔚 Conclusion
The Star Cardiac Care Insurance Policy is a thoughtful plan for those managing life after a cardiac event. It offers targeted support and financial relief through tailored coverage for heart and non-heart related illnesses. With added features like automatic restoration, outpatient coverage, and lifelong renewability, this plan ensures that your heart remains protected — both medically and financially.
