Star Cardiac Care Platinum
UIN:SHAHLIP22031V022122
Cardiac cover
Policy term
Hospitalization Expenses
Out patient cover
Instalment facility
Cumulative Bonus
Heart Transplantation
Cardiac devices
Benefits
Section 1 (Applicable for Accident and Non-cardiac ailments)
- Room (Single standard A/C), Boarding and nursing expenses as provided by the Hosptial/Nursing home .
- Surgeon, anesthetist, medical practitioner, consultants, specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, ICU Charges, surgical appliances, medicines and drugs, diagnostic materials
- Ambulance charges for emergency transportation to hospital
- Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
- Pre-Hospitalization expenses up to 60 days immediately after the insured person is discharged from the hospital
- All day care procedures are covered.
- The expenses incurred on treatment of cataract are payable upto the limits.
- E-Medical Opinion: The Insured Person is given the facility of obtaining “E Medical Opinion” from the Company’s expert panel
Section 2 (Applicable for Cardiac Ailments)
- Room (Single Private A/c Room), Boarding and Nursing Expenses as provided by the Hospital / Nursing Home
- Surgeon, anesthetist, medical practitioner, consultants, specialist fees.
- Anesthesia, blood, oxygen, operation theatre charges, ICU Charges, surgical appliances, medicines and drugs, diagnostic materials
- Ambulance charges for emergency transportation to hospital
- Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
- Pre-Hospitalization expenses up to 60 days immediately after the insured person is discharged from the hospital
- All day care procedures are covered.
- E-Medical Opinion: The Insured Person is given the facility of obtaining “E Medical Opinion” from the Company’s expert panel
- For Cardiac devices up to 50% of the Sum Insured
- Heart Transplantation: Expenses incurred for harvesting and transportation of Heart by Air and/or Road is covered, Up to 200% of Basic Sum insured
- Conventional Coronary Angiogram Test: Expenses incurred upto the limits mentioned is payable.
Waiting Period Applicable for Section 2: A waiting period of 30 days from the first commencement of this policy will apply
Section 3 – Out-Patient Expenses (including vaccination
- Expenses reasonably and necessarily incurred at any Networked Facility in India herein defined as an Out-patient Treatment, provided policy is in force
Special Features
- Automatic Restoration of Basic Sum Insured (Applicable for Section 1 Only): There shall be automatic restoration of the Basic Sum Insured once by 100% upon exhaustion of the limit of coverage during the policy period
- Cumulative Bonus (Not Applicable for Section 3): The insured person will be eligible for Cumulative bonus calculated at 10% of basic sum insured for each claim free year subject to a maximum of 100% of the basic sum insured.
- Cost of Health Check-up: Expenses incurred towards Cost of Health check-up up to the limits mentioned
- Wellness Service: This program intends to promote, incentivize and to reward the Insured Persons’ healthy life style.
Wellness Reward Program: To avail discount on renewal premium, insured should submit the following test reports at least 3 months before the policy renewal date
Insured can avail 10% discount on the renewal premium, if the following submitted reports are normal (i) ECHO (Echocardiogram) (ii) Lipid Profile (iii) HbA1c (Hemoglobin A1c)
Note: Incase if any of the 2 tests, results are normal, Insured can avail 5% discount on renewal premium
Note: the above test reports should be submitted within one month from the date of testing.
- Rehabilitation and Pain Management: The Company will pay the medical expenses for Rehabilitation and Pain Management up to the sub-limit (or) maximum up to 10% of the basic sum insured whichever is less, per policy year.
Waiting period: (Applicable for both plans)
Section 1:
- 30 days (Not applicable for Accidents)
- 24 months for specified illness/ diseases.
- 48 months for treatment of Pre-existing diseases
Section 2:
- 30 days for treatment of Pre-existing diseases
Exclusions:
Please refer to policy terms and conditions for complete information about exclusions
Coverage for Modern Treatment please click here
Instalment Facility: Premium can be paid Quarterly and Half Yearly. Premium can also be paid Annually, Biennial (once in 2 years) and Triennial (once in 3 years).
Eligibility
- Any person between 7 years and 70 years of age, who have been diagnosed with a Cardiac ailment/disorder in the past and undergone a Cardiac Surgical intervention or procedure for the same.
- Policy Tenure: One year / Two Years / Three Years
- Sum Insured options: Rs.5,00,000/-; Rs.7,50,000/-; Rs.10,00,000/-; Rs.15,00,000/-
- Sum Insured Type: Individual
General Terms
Tax Benefits:
Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.
Free Look Period:
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of fifteen days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.
lf the insured has not made any claim during the Free Look Period, the insured shall be entitled to;
A. a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
B. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
C. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period