Star Cardiac Care Insurance Policy-Platinum

Name: Health Insurance India
Brand: Star Health and Allied Insurance
SKU: Health Insurance
Rating: 4.1 (126 reviews)

IRDAI UIN: SHAHLIP22033V022122

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Plan Essentials
Understand what’s included
Why Choose Star Health Insurance?
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HIGHLIGHTS

Plan Essentials

Cardiac Cover

Specially designed policy for individuals aged between 7 and 70 years who are diagnosed with cardiac ailments and treated with cardiac surgical intervention.

Non-Cardiac Cover

Hospitalisation and Day Care expenses due to non-cardiac ailments and accidents are covered up to the Sum Insured.

Sum Insured

The Sum Insured options under this policy are Rs. 5,00,000/-, Rs. 7,50,000/-, Rs. 10,00,000/-, Rs. 15,00,000/-.

Cumulative Bonus

Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.

Cardiac Devices

Expenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured.

Heart Transplantation

Expenses incurred towards harvesting and transportation of heart by road or air are covered up to 200% of the basic Sum Insured.

Instalment Options

The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.

Policy Term

This policy can be availed for a term of one, two or three years.

DETAILED LIST

Understand what’s included


In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
Room Rent Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
Road Ambulance Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Cataract Treatment Expenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.
Modern Treatment Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
E-Medical Opinion E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
Rehabilitation & Pain Management Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year.
Automatic Restoration On exhaustion of the limit of coverage,100% of the basic Sum Insured will be restored once in the policy period which can be utilized only for illness unrelated to the illness for which claim was already made. This benefit is not available for modern treatment and cardiac ailment.
Cumulative Bonus Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.
Health Check-Up After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.
Wellness Services This program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities.
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.


In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
Room Rent Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
Road Ambulance Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.
Modern Treatment Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
E-Medical Opinion E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
Cardiac Devices Expenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured.
Heart Transplantation Expenses incurred towards harvesting and transportation of heart by road or air are covered up to 200% of the basic Sum Insured.
Conventional Coronary Angiogram Test Expenses incurred for Coronary Angiogram test are covered up to the limits mentioned in this policy.
Rehabilitation & Pain Management Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year.
Cumulative Bonus Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.
Health Check-Up After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.
Wellness Services This program intends to promote, incentivize and to reward the Insured Persons' healthy lifestyle through various wellness activities.
AYUSH Treatments Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured


Outpatient Expenses (Including Vaccination) Outpatient Expenses (including vaccination) incurred at Networked Facility are payable up to the limits mentioned in the policy clause.

Please refer to the Policy Documents to know the policy details and Terms & Conditions.

STAR HEALTH

Why Choose Star Health Insurance?

As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.

OUR CUSTOMERS

‘Happily Insured!’ with Star Health

We are committed to saving you time, saving you money, and getting rid of the hassles that make health insurance so hard to navigate.

My friend told me to buy health insurance from Star Health Insurance. That helped me during my son’s illness. Their cashless treatment facility was very helpful at the time. I truly appreciate their service and support.

Tiji K Oommen

Thiruvananthapuram

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I have been with Star Health Insurance for the past 8 years, and have applied for two claims in that time. Both claims got settled, and I received good support from the company during my hospitalisation.

Vanishree

Bengaluru

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My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.

Ramachandran

Chennai

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Star Health Insurance helped me a lot when I was in need. I was covered under Star’s Comprehensive policy, which provided me cashless treatment at their network hospital during my Angioplasty surgery.

Shaila Ganachari

Mumbai

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I have been using Mediclaim services for the last 7-8 years. I had tried other companies. But, I satisfied with the service Star Health Insurance has provided me, they also have friendly support personnel.

Sudhir Bhaiji

Indore

Get Insured

Tiji K Oommen

Thiruvananthapuram

Vanishree

Bengaluru

Ramachandran

Chennai

My family has been with Star Health Insurance since 2006. Our claim, which we applied during last month, was handled without any hassle. We are happy that we are part of such service providers.

Shaila Ganachari

Mumbai

Sudhir Bhaiji

Indore

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IRDAI UIN: SHAHLIP22033V022122

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