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Medical insurance designed specially for heart patients.
Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals with pre-existing heart ailments. This disease-specific health insurance provides custom-made solutions to cater to the specific needs of cardiac patients in case of cardiac and non-cardiac ailments. With its wide coverage and affordability, the plan is one of the best health insurance for heart patients.
The Cardiac Care plan offered by Star Health Insurance is available in two variants: Silver and Gold. The Silver variant of Star Health Cardiac Care includes coverage for surgical and interventional management. Under the Star Health Cardiac Care Gold variant, the medical management of cardiac treatments along with the basic benefits are covered.
The coverage under Star Health Insurance for heart patients is provided in four sections:
Section 1: Hospitalization cover for Cardiac & non-cardiac ailments
Section 2: Hospitalization cover for Cardiac Ailments
Section 3: Cover for Outpatient Medical Expenses
Section 4: Personal accident cover for Accidental Death (equal to the opted SI)
| PLAN DETAILS |
Star Cardiac Care |
Health Alpha Plan |
| Product Type | Critical Illness Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Not Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
14000 | 6000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Applicable | Covered |
| Plan Entry Age | 10 years to 65 years | 18 years |
| Plan Premium Entry Age and S/A | 14095 | 18 years |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Hospitalization and medical expenses covered, Pre and post hospitalization expenses, Day care treatments covered |
| Plan Sample Premium | - | Unlimited |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1 | 2 | 3 Years | 5 years |
| ICU Charges | Not Covered | Not covered |
| Covid-19 Treatment | Covered | Not covered |
| Cataract | Covered | Not covered |
| Automatic Restoration | Not Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Covered |
| Claim Ratio | 99.06 | - |
| Solvency Ratio | 2.21 | 2.03 |
|
All about Star Health Insurance and Plans |
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