Star Cardiac Care Insurance Policy

The Star Cardiac Care Insurance Policy by Star Health Insurance is a specialized health insurance plan tailored for individuals with pre-existing cardiac conditions or those who have undergone cardiac procedures. It offers comprehensive coverage for both cardiac and non-cardiac ailments, ensuring financial protection and peace of mind.policyx.com+1starhealth.in+1

šŸ©ŗ Key Features

  • Variants: Available in Silver, Gold, and Platinum options.
  • Sum Insured Options:
    • Silver & Gold: ā‚¹3 lakh and ā‚¹4 lakh
    • Platinum: ā‚¹5 lakh, ā‚¹7.5 lakh, ā‚¹10 lakh, and ā‚¹15 lakh
  • Policy Term: 1, 2, or 3 years
  • Renewability: Lifelong
  • Entry Age:
    • Silver & Gold: 10 to 65 years
    • Platinum: 7 to 70 years
  • Pre-policy Medical Check-up: Not required for certain variants insurancedekho.com+1policyx.com+1probusinsurance.com+1insurancedekho.com+1policyx.com

āœ… Coverage Benefits

  • Hospitalization Expenses: Covers room rent, nursing charges, doctor’s fees, ICU charges, operation theater charges, and other medical expenses for both cardiac and non-cardiac ailments.
  • Pre and Post-Hospitalization: Expenses incurred before and after hospitalization for a specified period are covered.
  • Day Care Procedures: Coverage for treatments that do not require 24-hour hospitalization but are medically necessary.
  • Ambulance Charges: Reimbursement for ambulance expenses incurred during emergencies.
  • Domiciliary Hospitalization: Coverage for treatments taken at home that would normally require hospitalization.
  • Organ Donor Expenses: Expenses related to heart transplantation, including harvesting and transportation of the organ.
  • Personal Accident Cover: Coverage equal to the sum insured in case of accidental death.
  • Wellness Discounts: Up to 10% discount on renewal premium based on normal results in ECHO, Lipid Profile, and HbA1c tests. d37e9lgzp3sa8.cloudfront.net+2vennaconsultancy.com+2starhealth.in+2d37e9lgzp3sa8.cloudfront.netirdai.gov.inweb.starhealth.in

ā³ Waiting Periods

  • Initial Waiting Period: 30 days for all illnesses except accidents.
  • Pre-existing Diseases:
    • Silver & Gold: 48 months
    • Platinum: 30 days for cardiac ailments; 48 months for other pre-existing diseases
  • Specific Diseases/Procedures: 24 months waiting period for certain listed conditions.starhealth.inweb.starhealth.in+1starhealth.in+1

āŒ Exclusions

  • Diagnostic Expenses: Not related to the current diagnosis and treatment.
  • Custodial Care: Services for terminally ill patients.
  • Cosmetic/Plastic Surgeries: Unless medically necessary.
  • Treatment for STDs: Sexually transmitted diseases are excluded.
  • Substance Abuse: Treatment arising from alcohol, drugs, and other substance abuse.
  • Maternity Expenses: Unless due to an accident.
  • War or War-like Situations: Any condition arising from such scenarios. policybazaar.com+4starhealth.in+4d28c6jni2fmamz.cloudfront.net+4