Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 1 Cr
No. of Plans
1
Solvency Ratio
2.0
Pan India Presence
850+
Ms. Aneesha, a 53-year-old working woman residing in Indore requires heart transplant surgery due to multiple cardiac ailments. However, since Ms. Aneesha is covered under the Star Cardiac Care Platinum, the health insurer covers the cost of harvesting and transporting the organ. This allows her to focus on the recovery without worrying about the finances of the procedure.
A long-term plan, Star Health Cardiac Care Platinum will cover you for 1/2/3 years. For individuals diagnosed with cardiac ailments between the ages of 7 and 70 years, the plan is loaded with life-saving features. Coverage is further divided into 3 sections namely,
Scroll further to understand the features and benefits offered by the health plan.
To understand Star Cardiac Care Platinum Insurance in detail, take a look at the below table:
7 to 70 years
Critical Illness Health Insurance
5L | 7.5 L | 10L | 15L
30 Days
NA
1/2/3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Star Cardiac Care Platinum Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Covered
Vaccination
Covered
Co-payment
Not Applicable
Sub-limits
Not Applicable
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
You are eligible to avail of the following benefits when investing in the Cardiac Care Platinum Plan. Read along to find out more
Rehabilitation & Pain management | Covered up to 10% of the Sum Insured |
---|---|
Wellness Rewards Program | Insured can avail premium discount up to 10% on renewal premium |
Nutrition & Diet Consultation | Available |
Counselling (For Stress Management) | Available |
E-Pharmacy | Available |
To avail of claim settlement services, the insured individual must follow the process given below.
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Below mentioned are annual premium calculations for the age group (7 to 50 years) with different policy periods including GST.
Sum Insured (in Rs.) | 5 L | 7.5 L | 10 L | 15 L |
Premium Payable | 26,538 | 31,848 | 36,621 | 42,120 |
Sum Insured (in Rs.) | 5 L | 7.5 L | 10 L | 15 L |
Premium Payable | 50,423 | 60,512 | 69,580 | 80,028 |
Sum Insured (in Rs.) | 5 L | 7.5 L | 10 L | 15 L |
Premium Payable | 73,644 | 88,379 | 1,01,624 | 1,16,883 |
The policy schedule has some exclusions that are mentioned below:
Investigation and evaluation purposes
Obesity/Weight Control
Cosmetic surgery
Hazardous/Adventure sports
Breach of Law, alcoholism, drug, or substance abuse
Unproven treatments
Sterility and infertility
Star Health Cardiac Care Platinum plan is a versatile health plan offering efficient medical care to both cardiac and non-cardiac patients. The multiple benefits and features attached to the plan are all discussed in the above sections.
For any further information regarding Star Cardiac Care Platinum, contact our insurance experts at PolicyX.
To cater to the different medical needs of an individual & their family, Star Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Star Health Insurance plans explore more:
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The plan is available to individuals for a policy term of 1/2/3 years.
The various sum insured options available to insured individuals under the Star Health Cardiac Care Platinum plan are 5 L, 7.5 L, 10 L, and 15 L.
Yes, Star Health Cardiac Care Platinum covers OPD expenses with sub-limits of INR 2,500, INR 3,000 INR 3,500, and INR 5,000 respectively.
No, the Star Cardiac Care Platinum health plan does not offer AYUSH treatments.
No, the Star Health Cardiac Care Platinum plan does not offer maternity benefits.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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February 5, 2023
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