Star Cardiac Care Insurance Policy

Cardiac ailments have been rising at an alarming rate in India. Treatment for cardiac diseases can be expensive. In this ongoing pandemic situation and the surging costs of the healthcare system have made many realize the importance of health insurance for cardiac related ailments. It’s therefore vital to have an insurance plan that financially protects you from the risk of cardiac ailments. For this very purpose, Star Health presents the Star Cardiac Care Insurance Policy, a health insurance for individuals who have undergone heart surgery, bypass or stenting procedures.

Cardiovascular diseases are among the central causes of morbidity and mortality across the world, making the need for cardiac insurance plans more critical than ever. A well-rounded cardiac care health insurance plan is not just about covering the immediate costs related with heart-related medical emergencies; it also includes preventive measures and ongoing care to manage such chronic conditions effectively.

Keeping this in mind, Star Health has come up with Star Cardiac Care Insurance Policy, a custom made solution, just apt to ensure a smile on the Insured’s face, always.

Any individual aged between 10 and 65 years who have underwent any of the following treatments/interventions can avail this plan:

• Percutaneous Transluminal Coronary Angioplasty (PTCA) / Coronary Artery Bypass Graft (CABG) 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 
• RF Ablation or RF Ablation done to correct the underlying cardiac condition or
• Had an Angiogram done but no intervention was medically found necessary

With Sum Insured options of Rs. 3 Lakhs and Rs. 4 Lakhs, this plan comes with an in-built Personal Accident cover for Accidental Death with benefit equal to the chosen Sum Insured.

Star Cardiac Care Insurance Policy has 2 variants - Silver and Gold with coverage extending to Accident & Non-Cardiac ailments, Cardiac ailments and complications including surgical interventions and medical management (Gold Plan only), Out patient expenses and Modern treatments.

This plan also covers:

• Room, boarding and nursing expenses to a maximum of Rs. 5,000/- per day
• Emergency ambulance charges up to Rs.750/- per hospitalization and Rs.1500/- per policy period
• Pre and Post hospitalization expenses

With a waiting period of just 90 days, get complete care and protection for your heart with Star Cardiac Care Insurance Policy.

Coverage under Star Cardiac Care Insurance Policy Gold Plan and Silver Plan

Inclusions of Star Cardiac Care Insurance Policy

Cardiac insurance provides a wide range of expense coverage for cardiac as well as non-cardiac ailments. The salient feature of this policy is that it covers people who have already had a heart condition or procedure. If you have undergone a heart surgery or a procedure in the last 7 years, it is advisable to purchase a cardiac care policy because you are at greater risk of cardiac ailments.

Hospitalisation expenses for non-cardiac ailment and accidents

Star Cardiac Care will cover hospitalisation expenses if the insured person requires to be hospitalised for treatment at the hospital for at least 24 hours during the policy period. The plan will cover expenses incurred towards the following: 

• Room rent, boarding, and nursing expenses are covered up to Rs.5000 per day.
• Emergency ambulance charges up to ₹750 per hospitalisation and ₹ 1500 per policy period
• Pre hospitalisation expenses for a period not exceeding 30 days prior to the date of hospitalisation
• Post hospitalisation expenses for a period not exceeding 60 days after discharge from hospital. The amount payable shall not exceed the sum equivalent to 7% of the hospitalisation expenses subject to a maximum of ₹ 5000 per hospitalisation.

Daycare treatments/procedures

The policy covers expenses for all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation as per the policy terms.

Cataract treatment

The policy covers expenses incurred for cataract treatment up to ₹30,000 entire policy period.

Pre-insurance medical screening

No pre-insurance medical screening is required. It is enough to submit previous medical records including details of the latest treatment along with the proposal form.

Personal Accident coverage: Star Health Cardiac Care Insurance provides a worldwide cover and compensates for accidental death equal to the sum insured opted for.

Modern Treatments covered under the Cardiac Care Insurance Policy

Some modern treatments are covered under Star Cardiac Insurance. The coverage details are as follows: The limits are mentioned in the Policy Clause.

• Uterine artery embolization and HIFU (High intensity focused ultrasound)
• Balloon sinuplasty
• Deep brain stimulation
• Oral chemotherapy
• Immunotherapies - monoclonal antibody to be given as an injection
• Intra vitreal injections
• Robotic surgeries
• Stereotactic radio surgeries
• Bronchial Thermoplasty
• Vaporisation of the prostrate
• ION M Intra Operative Neuro Monitoring
• Stem cell therapy

The following is a partial listing of policy exclusions. A detailed list of all exclusions is included in the policy document.

While Star Health Cardiac Care Policy offers comprehensive coverage for both cardiac and non-cardiac ailments, a few exclusions come under the purview of this policy. These exclusions are as follows:

• Diagnostic expenses which are not related to the current diagnosis and treatment are excluded
• Expenses for custodial care and services for terminally ill patients
• Gender change procedures
• Cosmetic/plastic surgeries
• Hospitalization or treatment due to hazardous of adventure sports/activities
• Expenses for treatment arising out of any criminal activity
• Expenses for treating alcohol, drugs, and other substance abuse.
• Expenses for treating infertility
• Maternity expenses and expenses toward miscarriage (unless due to an accident)
• Treatment for sexually transmitted diseases
• Bodily harm or disease arising out of a war or war-like situation