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Introduction

Understanding need of the hour, Star Allied and Health Insurance has introduced a Cardiac Care plan which offers protection to individuals who have undergone Percutaneous Transluminal Coronary Angioplasty (PTCA) (Stenting) or Coronary Artery Bypass Graft Surgery (CABG) (By-pass). In addition to hospitalization cover this plan also covers pre-existing cardiac aliments after a waiting period of 3 months or 90 days.

Main Highlight of the plan

The Cardiac Care plan offered by Star Health and Allied Insurance company limited has following benefits:

  • It covers individuals with a history of cardiac ailments.
  • The Gold variant of the plan offers coverage for procedures under cardiac medical management.
  • This plan covers pre-existing cardiac ailments from the 91st day after the commencement of the policy.

Scope of cover

Individuals between age 10 years up to 65 years of age with a history of cardiac ailments (undergone PTCA or CAGB) can be covered under the policy on an individual basis.

  • Note: For an individual to get covered under the policy, he/she should have undergone PTCA or CAGB within 4 years before buying the policy.
  • Pre-policy medical check-up is applicable for any individual opting this policy.
  • Any individual buying/ opting for this policy has to submit all the documents stating his/her medical history.

Coverage: Benefits & Features

Most Important

SPECIAL FEATURE COVERAGE

This plan offers coverage for in-patient hospitalization expense in case of illness, sickness, disease or accidental injuries under Section I. The Section II of this plan covers cardiac complications which needs to get operated.
The Section II has two variants namely Silver and Gold.

ROOM RENT/ ROOM CATEGORY

Both the variants of this plan has a room rent limit equal to 2% of sum insured up to a maximum of INR 5000 per day.

CO-PAYMENT

Both the variants of this plan has co-pay equal to 10% of claimable expenses for individuals with entry age 60 years. The co-pay thus applicable is valid throughout the In case of packaged treatments a co-pay of 20% is applicable.

NO-CLAIM BENEFITS

There is no no-claim benefit applicable under this plan.

Good to have

PRE/POST HOSPITALIZATION

For both the variants this plan, offers coverage for 30 days of pre-hospitalization expenses and 60 days of post hospitalization expenses.

Note

The post hospitalization expense up to 7% of hospitalization expenses up to a limit of INR 5000 per hospitalization.
The limit of 7% of expenses (specified above) is calculated as percentage of expenses for nursing charges, consultation fees, diagnostic charges and cost of drugs.

RESTORE BENEFITS

There is no restore benefit applicable for any variant of this plan.

Value Adds

AMBULANCE CHARGES

This plan covers emergency ambulance charges up to INR 750 per hospitalization and INR 1500 per policy period.

CARDIAC MEDICAL MANAGEMENT

The Gold variant of this plan offers coverage for Cardiac Medical Management.

Exclusions

Note: In case you are porting from policy A to this policy the terms and conditions under this section would differ. Please refer the policy wording or contact Coverfox for more details.
*Note: For detail list of exclusions, please refer the policy wording.