Why Should You Buy Star Cardiac Care Health Insurance Plan

Data collected from the city of Mumbai paints a grim picture of the cardiovascular health of the country. During the period January to June of 2021, due to heart attacks, nearly 3,000 people died every month. The same number was about 500 for the year 2020. In fact, nearly 23.8 of the total deaths in Mumbai were due to heart attacks.

The data combined with the sedentary lifestyle that we all have been following means that we should take cardiovascular health a lot more seriously. There are several simple steps that you can take toward improving your cardiovascular health. And one of them includes buying a health insurance plan that caters specifically to heart ailments.

Star Cardiac Care health plan is a health insurance plan that is designed only for cardiac diseases. The plan is ideal for people who have at some point undergone some treatment related to heart disease. 

All About Star Cardiac Care Health Insurance Plan

This plan from Star Health insurance is disease-specific medical insurance that is custom-made for cardiac issues and available for people between the age group of 10 to 65 years. The plan is available in two different avatars, Silver and Gold. 

Here are all the details that you need to know about the Star Cardiac Care health plan.

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Eligibility of Star Cardiac Care Health Insurance Plan

To buy Star Cardiac Care health insurance, you must meet the following eligibility criteria.

• If your age is between 10 years and 65 years
• You have been treated with Patent Ductus Arteriosus
• You have had an Angiogram, but it did not need medical intervention
• Your VSD (Ventricular Septal Defect) or ASD (Atrial Septal Defect) is rectified
• You have undergone a By-Pass procedure (CABG) any time within seven years of buying the policy
• You have undergone stenting or PTCA procedure
• You have undergone RF ablation to correct any cardiac condition that you might have

Policy Inclusions of Star Cardiac Care Health Insurance Plan

These are the different conditions that Star Cardiac Care health plan covers.

• Offers coverage for several cardiac ailments that are usually not provided by other health insurance plans.
• Charges related to ambulance up to a specified limit.
• The plan provides cover for pre-hospitalisation and post-hospitalisation expenses.
• The plan covers death due to personal accidents. For accidental death cases, the insurer pays the sum insured as mentioned in the policy document.
• The policy covers charges related to outpatient visits in any of the network hospitals. The cover is extended up to INR 500 per event or up to a maximum of INR 1500 during a policy tenure.

Policy Exclusions

Exclusions are the conditions that the Star Cardiac Care health plan does not offer coverage for. Being aware of them will help you avoid some of the common reasons for claim rejections. 

• Expenses such as admission charges, charges related to registration, or any other similar charges.
• The plan does not provide coverage for the usage of intoxicating substances, alcohol usage, usage of drugs, smoking, or chewing of tobacco.
• War-related injuries, injuries due to terrorism, therapies or treatment that are unconventional in nature.
• Does not cover any form of cosmetic or aesthetic treatment, mental or behavioural disorder, psychiatric treatment and others.
• The policy does not cover any injuries that are self-inflicted, injuries due to medical disorder, sexually transmitted diseases, depression, attempts to suicide, anxiety, etc.

Star Cardiac Care Health Insurance Plan: Features & Benefits

1. Section 1:
   • It offers hospitalisation cover: Covers expenses if the patient has been admitted for more than 24 hours, and the cover is for room rent, doctors’ consultation, cost of medicines, cost of anaesthetist, nursing charges, medicines, surgeon charges and so on.
   • It covers pre-existing diseases if you continue with the policy for 48 months without any breaks.
2. Section 2:
   • The plan offers hospitalisation cover for cardiac illnesses if the patient has been admitted for more than 24 hours.
   • The plan covers pre-existing diseases from the 91st day of the policy commencement.
3. Other Benefits of the Plan:
   • The plan covers charges pertaining to the ambulance in the case of an emergency.
   • The plan covers expenses related to daycare treatment.
   • The plan covers expenses related to pre-hospitalisation for up to 30 days prior to admission to the hospital.
   • The plan also covers post-hospitalisation treatment expenses, which are paid as a lump sum amount
4. Policy Tenure:
   You will be able to buy the policy for a tenure of 1, 2 or 3 years. And depending on your convenience, you can pay the policy premiums either annually, half-yearly, quarterly, once every two years or once every three years. 
   Thus, the policy offers a lot of flexibility in terms of tenure as well as the payment schedule. You can choose the sum insured as either INR 3 lakhs and INR 4 lakhs, and the plan is available for individuals only.
5. Renewal Options:
   This is one of the advantages of the Cardiac Care plan, as it has no limits on renewal, and you can renew it for a lifetime.

Points to Keep in Mind When Buying Star Cardiac Care Health Insurance Plan

1. Co-payment Clause:
   If your age is 61 years and above, then the co-payment clause is applicable. In other words, every time you claim the policy, you will have to pay 10% of the total medical expense from your pockets. For example, if the final bill for a visit is INR 1 lakh, you will have to pay INR 10,000 from your pockets, and Star Health will take care of the rest.
2. Waiting Periods:
   • If you contract any diseases within 30 days of the policy commencement, the policy will not cover those.
   • The policy covers specific illnesses or diseases on the completion of 24 months of the policy being active.
   • The plan covers pre-existing diseases on the completion of 48 months of the policy, since its date of inception.
3. Cancellation of Policy

If, due to some reason, you are not happy with the policy or want to cancel the policy, you can do so at any point. To cancel a policy, you would need to send a written notice to Star Health insurance. And depending on when you want to cancel the policy, they will refund the remaining amount to you.

Conclusion

Before buying Cardiac Care from Star Health insurance, you can compare health insurance policies. As already discussed, the plan is ideal for individuals with cardiac ailments. If you or any of your loved ones have suffered from any cardiac ailments, the plan is perfect for you. Also, the premiums that you pay towards the policy are tax deductible under Section 80D of the Income Tax Act.

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