Star Cardiac Care Health Insurance

Star Cardiac Care is a health insurance program that focuses on covering cardiac and non-cardiac treatments. This insurance plan is an excellent option for those who have undergone some heart disease-related medical treatment. Star Cardiac Care is a unique product that is specifically designed for individuals between the ages of 10 and 65. There are two variations of the Star Cardiac Care Health Insurance plan: Silver and Gold. The cardiac care insurance policy includes benefits such as surgical and non-surgical treatments, coverage for advanced medical procedures, outpatient care, and a personal accident benefit that covers accidental death. These claims are, however, subject to the sum insured.

Key Features of Star Cardiac Care Health Insurance Plan

The critical features of Star Cardiac Care Health Insurance Plan are listed below:

• Star Cardiac Care Health Insurance policy is tailored for individuals aged 10 to 65 with a history of cardiac ailments.
• The policy covers surgical and non-surgical treatments for cardiac and non-cardiac ailments; cardiac ailments are covered after 90 days.
• Policyholders have the option to choose from one, two, or three-year terms.
• The sum insured options under this policy are Rs. 3,00,000 and Rs. 4,00,000.
• The policy offers worldwide personal accident coverage for accidental death during the policy period.
• Star Cardiac Care Insurance Policy covers necessary outpatient expenses at Network Hospitals in India, as per policy limits.
• You will get the premium payment flexibility with quarterly, half-yearly, annual, biennial (once in 2 years), and triennial (once in 3 years) options.

Variants of Star Cardiac Care Insurance Policy

The Star Cardiac Care Insurance Policy is available in two different plans:

• Gold Plan: This plan provides coverage for both surgical intervention and medical management.
• Silver Plan: The Silver Plan offers coverage exclusively for surgical intervention.

The coverage provided by this policy comprises:

Section 1: Coverage for Accidents and Non-Cardiac Ailments

Section 2: Coverage for Cardiac Ailments

Section 3: Benefits for Outpatient Services

Section 4: Personal Accident Coverage, which may or may not result in death

Eligibility Criteria of Star Cardiac Care Health Insurance Plan

Listed below are the eligibility criteria for the Star Cardiac Care health insurance plan:

Parametres	Eligibility Criteria
Minimum entry age	10 years
Maximum entry age	65 years
Policy duration	1,2, or 3 years
Sum insured	Rs.3,00,000 and Rs.4,00, 000

Benefits of Star Cardiac Care Health Insurance Plan

Some of the benefits of buying Star Cardiac Care health insurance plan:

• Comprehensive Cardiac Coverage: Star Cardiac Care offers wide coverage for cardiac ailments, ensuring financial protection in case of heart-related issues.
• Choice of Plans: This health insurance policy offers both Gold and Silver plans, providing policyholders the flexibility to choose the level of coverage that suits their needs.
• Coverage for Non-Cardiac Ailments: In addition to cardiac coverage, the plan includes coverage for non-cardiac ailments, offering well-rounded health protection.
• Outpatient Benefits: Provides coverage for outpatient medical expenses, helping to manage healthcare costs effectively.
• Personal Accident Coverage: Offers coverage for personal accidents, providing financial support in case of accidental injuries or death.
• Cashless and Reimbursement Claims: The policy provides flexibility in claiming medical expenses with both cashless and reimbursement options.
• Easy Renewal: With Star Cardiac Care health insurance policy, you get the benefit of hassle-free policy renewal for a lifetime, ensuring uninterrupted coverage.
• Premium Flexibility: Various premium payment frequencies, including quarterly, half-yearly, annual, biennial, and triennial options, make this insurance policy convenient for policyholders.

Inclusions of Star Cardiac Care Health Insurance Plan

Below-mentioned are the inclusions of the Star Cardiac Care health insurance plan:

• Pre and post-hospitalisation expenses
• Daycare procedures, surgeries, and treatments
• Cataract treatment

• Pre-insurance medical screening

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

Exclusions of Star Cardiac Care Health Insurance Plan

While the Star Health Cardiac Care Policy provides extensive coverage for both cardiac and non-cardiac ailments, it's important to note the following exclusions:

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

Documents Required to Buy Star Cardiac Care Health Insurance Plan

Some of the documents required to buy the Star Cardiac Care health insurance plan are as follows:

• Duly filled application form
• Identity proof (such as an Aadhar card, passport, voter ID, or driver's license)
• Age proof (birth certificate, school leaving certificate, or passport)
• Address proof (utility bills, rent agreement, or Aadhar card)
• Passport-sized photographs
• Medical reports or pre-policy health check-up reports, if required
• Any other documents specified by the insurance provider during the application process

How to Buy Star Cardiac Care Health Insurance Plan?

Here are the steps to acquire the Star Cardiac Care health insurance plan through InsuranceDekho:

Step 1: Go to the Health Insurance section on the official InsuranceDekho website.

Step 2: Choose "Star Health Insurance" from the list of health insurance companies.

Step 3: Select "Star Cardiac Care" from the available health insurance plans.

Step 4: Thoroughly review the terms and conditions specified in the Star Premier policy document.

Step 5: Complete the KYC process by uploading all necessary documents.

Step 6: Once the KYC process is completed, make the premium payment online.

Step 7: You will get the policy document at your registered e-mail address

Claim Process of Star Cardiac Care Insurance Plan

Within the Star Cardiac Care health insurance plan, you have two options for making claims: cashless and reimbursement.

Cashless Claim

• Visit a nearby hospital that is part of the Star Health insurance network.
• Provide your Star Cardiac Care plan details at the hospital, along with any other required information.
• After submitting all the necessary documents, they will be reviewed, and a pre-authorisation form will be sent to the insurance company.
• Once the insurance company verifies the documents, the medical expenses will be directly settled at the network hospital.

Reimbursement Claim

• For a reimbursement claim, you can choose any nearby hospital and pay for your medical expenses.
• Submit the reimbursement claim request on the insurance company's website.
• Provide the Star Cardiac Care claim form and all relevant plan details.
• Upon approval of the claim request by the insurance company, the reimbursement will be processed for the policyholder.