Cardic Care
🌟 Plan ka Overview
Heart-related problems (jaise bypass surgery, angioplasty, stenting, etc.) bahut common ho rahe hain aur treatment cost bhi kaafi zyada hai. Isi context mein Star Health ne ek specialised solution banaya hai — “Cardiac Care” plan — jo un logon ke liye hai jinhone pehle cardiac intervention liya hai ya jinko cardiac ailment ka risk hai.
Ye plan aapko sirf “heart disease treatment cover” nahi deta, balki non-cardiac ailments aur hospitalization cover bhi provide karta hai. Yani agar aap pehle se heart condition se deal kar rahe hain, to ye plan aapke liye ek customised backup ban sakta hai.
🛡️ Key Features aur Benefits
Eligibility & Sum Insured Options
Cardiac Care Silver/Gold variant: Individuals age 10 years se leke 65 years tak eligibile hain (variant aur underwriting ke hisaab se). Star Health+1
Cardiac Care Platinum version: Age 7 years se leke 70 years tak ki eligibility di gayi hai for those with cardiac ailments or who have undergone surgical intervention. Star Health+1
Sum Insured (SI) options: Platinum version me Rs. 5,00,000 / 7,50,000 / 10,00,000 / 15,00,000 jaise amounts available hain. Star Health+1
Waiting period: Cardiac ailments ke liye waiting period ~ 90 days (3 months) hai — iska matlab hai ke policy lena ke baad 3 months baad hi cardiac cover applicable hota hai. Star Health+1
Coverage Details
Section I – Accident & Non-Cardiac Ailments: Agar aap accident ya non-cardiac illness ke liye hospitalised hote hain (≥ 24 hours), to room/boarding/nursing, ICU, OT, surgeon fees, diagnostics etc cover hote hain. Star Health+1
Section II – Cardiac Ailments:
Silver Plan: Cardiac related complications surgical/interventional management ke liye cover deta hai. Bank of Baroda+1
Gold Plan (ya Platinum variant): Cardiac problems ke liye surgical/interventional + medical management (non-surgical) dono cover hote hain. Star Health+1
Day-care procedures (24 hours se kam hospitalization) bhi many cases cover me hain. Compare Policy
Pre-hospitalisation (typically up to 30 days) aur post-hospitalisation (up to 60 days) expenses typically covered subject to terms. Compare Policy+1
Modern/advanced treatments: Robotic surgeries, pacemakers, cardiac devices (CRT-D, AICD), heart transplant & harvesting/transportation costs etc Platinum variant me included hain. Star Health+1
Outpatient (OPD) benefit: Network hospitals me reasonably incurred OPD expenses cover hote hain, subject to limits. Star Health+1
Personal Accident Cover: Worldwide accidental death cover equal to sum insured selected, offered in many variants. Star Health
Additional Perks
Cumulative Bonus: Har claim-free year par bonus milta hai (Platinum version me 10% of basic SI per year claim-free) up to max ~100% of opted SI. Star Health
Wellness / Health Check-Up / E-Medical Opinion: Platinum variant me healthy lifestyle incentives, wellness programmes, second medical opinion facility etc included hain. Star Health
Lifetime renewability/renewal benefits — ensuring plan ko age ke saath bhi renew kara sakte hain (policy terms ke hisaab se). Star Health+1
📋 Eligibility, Policy Details & Premium Payment
Policy tenure: 1 year, 2 years, 3 years option available ho sakte hain (variant pe depend karta hai). Star Health+1
Premium: Age, sum insured, variant (Silver/Gold/Platinum), underwriting (pre-existing heart condition), location etc ke hisaab se vary karega.
Instalment payment options: Quarterly, half-yearly, annual payment mode possible hain in many cases. Star Health+1
Entry/Pre-existing condition: Agar aap pehle se cardiac intervention kiye hain (jaise angioplasty, CABG) ya diagnosed cardiac ailment hai, to plan lene ke liye past medical records required honge. Example: “Angioplasty (PTCA) / CABG within 7 years prior to proposal” jaise criteria mention hai. Star Health
✅ Coverage Summary – Inclusions
Hospitalisation for cardiac and non-cardiac illnesses (room/board, ICU, OT, surgeon fees etc)
Pre & post hospitalisation expenses (30 days / 60 days)
Day-care procedures
Modern/advanced cardiac treatments (pacemaker, CRT-D, heart transplant etc)
Outpatient expenses (limited)
Personal accident cover for accidental death
Wellness benefits, health check-up, cumulative bonus
Non-cardiac illness cover bhi — isliye “sirf heart” nahi, broader medical cover bhi milta hai
🚫 Exclusions & Important Limitations
Waiting period: Cardiac ailments ke liye minimum 90 days waiting lag sakti hai. Compare Policy+1
Pre-existing conditions may require disclosure; agar accurate information disclose na ki ho, claim reject ho sakta hai.
Some sub-limits apply — e.g., outpatient cover limited events, modern treatment sub-limits, room rent per day limit in lower variants. Star Health+1
Non-disclosure of past cardiac interventions can lead to denial. (market anecdotes)
Coverage outside India usually not included (subject to terms).
Non-cardiac benefits may have lower cover compared to cardiac section.
🧠 Why Choose This Plan?
Agar aap ya aapke family member ka cardiac history hai (jaise angioplasty, bypass surgery, stent etc), to normal health insurance me cover milna mushkil ya expensive ho sakta hai — yeh plan specifically aise logon ke liye bana hai.
Heart treatment bahut costly ho sakta hai — isliye dedicated cardiac cover plus non-cardiac cover milna ek bada advantage hai.
Modern treatment inclusion (devices, transplant) plan ko strong banata hai.
Cumulative bonus aur wellness perks se aapka cover time ke saath better ho sakta hai.
Non-cardiac illness cover bhi milne se “only heart” risk nahi, overall health risk bhi cover ho jata hai.
💬 Example Scenario
Maan lijiye Mr. Rohan, age 55, thodi der pehle angioplasty (PTCA) karwa chuke hain. Unhone Star Cardiac Care Platinum plan liya hai sum insured Rs 10 lakh ke saath.
Agar unhe kisi non-cardiac illness ke liye hospitalisation ki zarurat padti hai (for example pneumonia) — to Section I ke hisaab se cover milta hai.
Agar unhe kisi cardiac intervention ya surgery ki zarurat padti hai — to Section II ke under, surgical/interventional cover ya medical management cover milta hai (Gold/Platinum variant hone ke case me).
Agar claim-free year rahi hai, to cumulative bonus milega, aur wellness check-ups ke perks available hain.
Agar future me pacemaker ya AICD device lagwana padta hai, to Platinum variant me device cost partial cover ke andar hosakta hai.
Yani aap heart disease ke risk aur general health risk dono se financial protection ke saath tayar rahte hain.
⚠️ Kuch Tips Aur Dhyan Dene Wali Batein
Proposal form me past cardiac history (surgery, angioplasty, stenting), medications, hospital records clearly mention karein — non-disclosure claim rejection ka major reason hota hai.
Variant choose karte waqt ye samjhein ke Silver vs Gold/Platinum me difference hai: Silver me cardiac only surgical/intervention cover hota hai; Gold/Platinum me broader cover hai including medical management. Bank of Baroda+1
Sum Insured select karte waqt treatment inflation ko dhyan me rakhein — cardiac interventions ka cost badh raha hai.
Network hospital list check karein, cashless facility ka coverage kaise hai, aur claim process kya hai — convenience ka factor bahut important hai.
Renewal time pe policy lapse na hone dein — gap hone se waiting period dubara apply ho sakta hai.
Wellness programmes aur health check-up benefits ka use karein — ye long-term me health aur premium dono ke liye beneficial ho sakte hain.
Out-patient cover aur day-care procedures ka limit samjhein — kabhi kabhi “cover hai” likha hota hai lekin limit bahut low hoti hai.
🔍 Summary
Star Health ka Cardiac Care plan ek specialised health insurance solution hai jo un logon ke liye bana hai jinhe cardiac ailment ka risk hai ya jinhe pehle se heart intervention hua hai. Ye plan dono aspects cover karta hai — heart-specific treatment as well as general medical/accident cover.
Agar aap heart-condition ke baad ya us risk ke saath jee rahe hain, to normal health policy se aapko wo comfort nahi mil paayega jo is dedicated plan se mil sakta hai. Lekin — jaise har insurance plan ke saath hota hai — terms & conditions, waiting periods, sub-limits, disclosure requirements etc bahut maayne rakhte hain.