Star Cardiac Care Insurance Plan

Entry age

Minimum age: 10 years Maximum age: 65 years

Renewal

Lifelong renewal

Grace period for renewal

30 days from the date of expiry of the policy

Policy Term

One year

Sum Insured

Minimum: 3 lacs, Maximum: 4 lacs

Eligibility

1. Individuals from the age of 10 to 65
2. Individuals who have undergone By-pass or Stenting procedure within 7 years prior to proposal or Atrial Septal Defect or Ventricular Septal Defect that has been corrected or Patent Ductus Arteriosus (PDA) that has been or undergone RF Ablation to correct the underlying cardiac condition or had an angiogram done but no intervention was medically found necessary.

Type of plan

Individual

Variants

1. Gold plan
2. Silver plan

Cover

1. Covers hospitalisation charges incurred due to illness or accidental injury
2. Covers hospitalisation charges for surgery due to cardiac complications
3. Only the Gold plan covers Cardiac Medical Management

Key features

1. Coverage for both in-patient and out-patient treatment under one policy
2. Pre-existing diseases are covered after 48 months of continuous insurance
3. All applicants need to undergo pre-acceptance medical screening
4. Lifelong renewability

Benefits

1. Pre hospitalisation and post hospitalisation charges are covered
2. 101 day care treatments
3. Hassle free claim settlement
4. The Sum Insured amount can be increased at the time of renewal

Tax benefits

Tax benefits under section 80D of the Income Tax Act

Free look period

A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied they can seek cancellation of the policy and in such event the company will allow refund of premium after adjusting the cost of the expenses incurred at the time of availing the policy.

Exclusions

1. Any illness diagnosed within 30 days of inception of the policy is not covered
2. 2 years standard exclusion for ailments such as hernia, cataract, piles, kidney stones, sinus, knee replacement and more
3. 10% copay if you enter the policy at the age of 61 and more
4. Investigative treatments
5. Cosmetic surgery
6. Naturopathy treatment
7. Preexisting diseases other than cardiac related diseases will be covered from the 5th year