Star Allied Cardiac Care Insurance Policy
Product Overview
Star-Cardiac Care is designed for those customers who have to undergo Percutaneous Transluminal Coronary Angioplasty (PTCA) (Stenting) or Coronary Artery Bypass Graft Surgery (CABG) (By-pass). In addition to the hospitalization cover, this plan also covers pre-existing cardiac aliments after a waiting period of 3 months or 90 days. This plan has 2 Variants - Silver and Gold.
Note: Remember at the time of buying the policy person should have undergone PTCA or CAGB within 4 years.
Unique Features of Star Allied Cardiac Care Insurance Policy
- No Medical test required (Only required past history medical report)
- Cover for surgical and medical management Cardiac Ailments.
- Pre-existing cardiac ailments covered from the 91st days
- India`s 1st Health policy for persons who have undergone Angioplasty or Bypass Surgery.
- Life Time Renewal
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Star Allied Cardiac Care Insurance Policy
- Room rent:
Limits imposed towards room and ICU rent expenses
Room Rent - 2% of sum insured per day or Maximum up to Rs 5000/- - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
This plan 10% co-payment clause - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
This plan does not have no-claim benefit - Pre- Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plans has a waiting period of 4 years is case of pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- 10 years
- Maximum age of Entry:- 65 years
- Renewal Age:- Life Long Renewal
- Sum Insured:-
Silver Plan - 3 lakhs and 4 Lakhs
Gold Plan - 3 lakhs and 4 Lakhs - Policy Tenure:- 1 & 2 years
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Chosen)
Waiting Period
- Covered from Day 1:
Accidental Injuries. - Covered after 30 Days:
All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any) - Covered after 1 & 2 Years:
Cataract, degenerative disc of vertebral diseases and prolapse of intervertebral disc (other than caused by accident), varicose veins and varicose ulcers, benign prostatic hypertrophy, deviated nasal septum, sinusitis Tonsillitis, Nasal polyps, Chronic Supparative Otitis Media and related disorders, hernia, hydrocele, fistula / fissure in ano and haemorrhoids congenital internal disease/defect,All treatments for Hepatobilary Gall Bladder and Pancreatic stones and Genito-urinary calculi,All treatments for Uterine prolapse, Dysfunctional Uterine Bleeding, Fibroids, Pelvic Inflammatory Diseases, all diseases of fallopian tubes and ovaries,Arthroscopic repair and removal
Exclusions
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Medical expenses incurred for treatment of AIDS
- Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
- Congenital disease
- Tests and treatment relating to infertility and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- Cost of spectacles/contact lenes,dental treatment
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
