Star Cardiac Care is a disease-specific insurance policy designed for the requirements of people with various cardiac ailments. This policy is specifically for people who have undergone treatment for existing cardiac diseases. This health insurance policy comes in two variants and offers a range of benefits for policyholders. In addition to offering hospitalisation benefits, Star Cardiac Care also offers cover for a range of day-care treatments.
The eligibility criteria for Star Cardiac Care Insurance Policy can be listed as follows.
Star Cardiac Care Insurance Policy comes with two sum insured options - Rs. 3 lakh and Rs.4 lakh. This policy has two different plans namely Silver and Gold. Premium charges for this policy vary based on the age of the insured person. As mentioned in the eligibility, the maximum entry age is restricted to 65 years. However, lifelong renewal option is available with this policy.
Premium charges for this policy can be given as follows.
|Sum insured||Rs. 3 lakh||Rs.4 lakh|
|Age band||Silver plan||Gold plan||Silver plan||Gold plan|
|10 to 60 years||Rs.14,095||Rs.18,790||Rs.16,110||Rs.21,475|
|61 to 65 years||Rs.16,210||Rs.21,610||Rs.18,525||Rs.24,695|
|66 to 70 years (renewals only)||Rs.18,640||Rs.24,850||Rs.21,300||Rs.28,400|
|71 to 80 years (renewals only)||Rs.20,505||Rs.27,335||Rs.23,430||Rs.31,240|
|Above 80 years (renewals only)||Rs.22,555||Rs.30,070||Rs.25,775||Rs.34,365|
The premium charges mentioned above are exclusive of taxes at 18%.
Some of the key features of Star Cardiac Care can be given as follows.
Star Cardiac Care comes with the following range of benefits.
|Claim type||Silver plan||Gold plan|
|Section 1: Room, boarding, nursing expenses||Up to 2% of the sum insured subject to a maximum of Rs.5,000 per day||Up to 2% of the sum insured subject to a maximum of Rs.5,000 per day|
|Section 2: Hospitalisation expenses covered||Treatment of all cardiac related complications that require surgery or intervention||Treatment of all cardiac related complications that require medical management, surgery, or intervention|
|Section 3: Outpatient expenses||Up to Rs.500 per event subject to maximum of Rs.1,500 per policy period||Up to Rs.500 per event subject to a maximum of Rs.1,500 per policy period|
|Section 4: Personal accident cover||If the insured person sustains any accidental injuries that results in death within 12 calendar months, the dependants of the insured will receive the sum insured as compensation.|
|Sublimits for cataract||Up to Rs.20,000 per hospitalisation subject to a maximum of Rs.30,000 per policy period|
The following list of exclusions apply to Star Cardiac Care Insurance Policy.
The claim process for Star Cardiac Care is similar to the claim process for most other policies offered by the company. The company’s 24-hour helpline can be contacted anytime to clear any doubts about the policy. While contacting the helpline, the insured must provide the policy number and ID for easy reference. For planned hospitalisation, the insurer must be notified at least 24 hours before the time of hospitalisation. For emergency hospitalisation, the insurer must be notified within 24 hours after hospitalisation.
Cashless treatment facility is also available with the network hospitals associated with the company. To avail this facility, the insured must provide the policy details to the hospital at the time of admission. The insurer must also be notified while availing this facility. For other claims, the insured must submit various documents (medical bills, reports, certificates, etc.) for the proof of hospitalisation. Once these documents are submitted, the insurer will verify the validity of the claim. Following verification and approval, the compensation amount will be paid to the insured.
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