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Most Popular Policies of Star Health Insurance

  • Star Health Criticare Plus Policy
    Star Health Criticare Plus Policy is a critical illness policy that provides hospitalization benefits along with critical illness cover.
    Key features of Star Health Criticare Plus Policy
    • 5% discount for up to 2 members and 10% discount for more than 2 members
    • Coverage available for non-allopathic treatments is available up to 25% of the sum insured
    • No medical screening for candidates below 50 years of age
    • Coverage available for specific day care process and ambulance charge
    Buy now
  • Star Health Family Health Optima Insurance
    Star Health Family Health Optima Insurance plan offers protection to the entire family for a single premium.
    Key features of Star Health Family Health Optima Insurance
    • Coverage for new born baby is available
    • Coverage for organ donor expenses is available
    • Coverage available for expenses due to domiciliary treatment
    • Restore benefit and recharge benefit are available
    Buy now
  • Star Health Senior Citizen Red Carpet Insurance Policy
    Star Health Senior Citizen Red Carpet Insurance Policy is designed for individuals between 60 to 75 years of age to look after their medical needs.
    Key features of Star Health Senior Citizen Red Carpet Insurance Policy
    • Lifelong renewal option
    • in-house claim settlement facility is available
    • Coverage for nursing and ICU expenses is available
    • Customized e -health records available
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  • Star Cardiac Care Insurance Policy
    Star Cardiac Care Insurance policy is designed for people with previous history of heart related ailments.
    Key features of Star Cardiac Care Insurance Policy
    • Lifelong renewal option
    • Scope to increase sum insured amount at policy renewal
    • Coverage for Cardiac Medical Management in Gold Plan
    • Coverage available for pre and post hospitalization expenses
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Star Cardiac Care Insurance Policy

Cardiac ailments are not always limited to old age. It can happen to anyone, anywhere. The Star Cardiac Care health insurance is the only policy that is especially designed for individuals suffering of heart diseases and have undergone related treatment procedures.

Policy highlights

  • There is no sublimit on the treatment costs and room rent.
  • The policyholder can avail 100% increment on the sum insured for a no-claim year.
  • It is available in 2 variants – Gold and Silver.
  • Cardiac ailments are covered after duration of 90 days.
  • Hospital cash allowance benefit is also there.
  • The policy covers around 101 daycare procedures.
  • The insured would have to shell out 10% of the amount to be claimed. This is applicable for policyholders who are more than 60

Co-Payment

  • The policyholder will have to pay 10% of the claim amount for those above the age of 60 years

Eligibility

  • Any person between the age group of 10 to 65 years is eligible for the plan.
  • After 65 years of age, only renewals can be done.
  • The prospective policyholder should have gone through Stenting (Percutaneous Transluminal Coronary Angioplasty — PTCA) or Bypass (Coronary Artery Bypass Graft Surgery – CABG) within a period of 4 years before the commencement of this policy.

Policy benefits

Star Cardiac Care insurance plan offers two plan choices and covers regular, specific as well as cardiac care and related complications.

Section 1

  • Hospitalization cover – In-patient expenses against hospitalization for a minimum period of 24 hours.
  • Pre-existing diseases cover – Only be availed after the period of 48 months of steady insurance with any of the Indian insurance service providers

Section 2

  • Hospitalization cover – Expenses incurred as an in-patient for cardiac ailments during hospitalization (24 hours min.)
  • Pre-existing heart diseases – Covered after 91st day from them commencement of the insurance policy

Pre and post hospitalization benefit

  • Pre-hospitalization expenses are covered for up to maximum of 30 days before hospitalization.
  • Post-hospitalization medical expenses are covered for up to a maximum of 60 days after release. It is calculated at the rate of 7 percent of expenses incurred during hospitalization (room rent excluded). The overall limit for the same is Rs. 5000/-.

Medical screening before acceptance

  • Pre-acceptance medical examination is required at company designated diagnostic centers.
  • Previous medical records should also be submitted.

General policy terms

  • As mentioned previously, there is a need of pre-acceptance health examination at a company nominated diagnostic centers. But, the entire cost for the same is borne by the insurance provider, currently.
  • Like every health insurance policy with Star Health, Cardiac Care also makes you eligible to get tax rebate, under Income Tax Act, 1961, Section 80D.
  • You are entitled to enjoy lifetime renewal option once you cross the age of 65.
  • Free look period of fifteen days allows you to review the terms and conditions of the policy. Thereafter, if you want to cancel the same, then you can easily do that (conditions apply).

Policy Exclusions

  • Expenses done for treatments related to cardiac health issue during the initial 90 days from the commencement of the plan.
  • The expenses incurred due to treatment of any illness or ailment will not be covered during the first 30 days of the plan, except accident cases.
  • No treatments for conditions like, fistula, piles, sinusitis, tonsillitis, gall bladder calculi, thyroid, cataract, varicose ulcer, hernia, hydrocele, fallopian tube/ovaries related diseases, etc, would be covered for the first 2 policy years.
  • No maternity expenses would be covered. Dental treatments, unless caused due to accidents are excluded.
  • Cost of contact lenses, hearing aids, crutches and other related things are also excluded from the coverage.

The extent of coverage

As already discussed, there are two types of plans. The chart given below will help you know more.

Gold Plan

Silver Plan

Hospitalization Medical Expenses (In-patient)

Hospitalization Medical Expenses (In-patient

Section 1

Disease/ Sickness/Illness/ Accidental Injuries Disease/ Sickness/Illness/ Accidental Injuries

Section 2

Any complication(s) related to Heart that needs medical intervention, surgery and Cardiac Medical Management Any complication(s) related to Heart that needs medical intervention and surgery

Let’s move on to the Premium part

Gold Plan

Silver Plan

Sum Insured

Rs. 400000

Rs. 300000

Sum Insured

Rs. 400000

Rs. 300000

Age

Premium

Age

Premium

10-60 Yrs

Rs. 30000

Rs. 26000

10-60 Yrs

Rs. 22000

Rs. 18000

61-65 Yrs

Rs. 34000

Rs. 28000

61-65 Yrs

Rs. 25000

Rs. 19000

For Renewals

66-70 Yrs

Rs. 37000

Rs. 30000

66-70 Yrs

Rs. 27000

Rs. 21000

71-80 Yrs

Rs. 41000

Rs. 32000

71-80 Yrs

Rs. 30000

Rs. 23000

> 80 Yrs

Rs. 57400

Rs. 44800

> 80 Yrs

Rs. 39000

Rs. 29900