Star Cardiac Care Insurance Policy

1. Specially designed for Women – The product is specially designed for Women and her family.

2. Policy term – One year / Two years / Three years.

3. Sum Insured Options – Rs.5,00,000/-, Rs.10,00,000/-, Rs.15,00,000/-, Rs.20,00,000/- , Rs.25,00,000/-, Rs.50,00,000/- and Rs.1,00,00,000/-

4. Type of Policy – Individual (available only for Females) and Floater (At-least one female (adult) should be there in the family along with the spouse and dependent children).

5. Dependent child – Daughter Can Continue as a dependent child if Un-married and/or Un-employed beyond 25 yrs and max up to 30 yrs.

6. Lump sum – Lump sum on diagnosis of Cancer is available only for female.

1. Room, Boarding and Nursing Expenses up to 1% of sum insured or maximum up to Rs.20,000/-per day as provided by the Hospital / Nursing Home
2. Star Mother Cover : If the insured person is a child age less than 12 years, the Company will provide for expenses up to Single Private A/c room for stay of the mother in the hospital provided insured child is under treatment in ICU
3. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees , Anesthesia, Blood, Oxygen, Operation theatre charges, ICU charges
4. All day care procedures are covered
5. Coverage for Non-medical Items available
6. Road Ambulance charges for transportation of Insured Person covered subject to an admissible Hospitalisation Claim.
7. Air Ambulance charges up to 10% of the Sum Insured per year is payable
8. Pre-Hospitalization expenses up to 60 days prior to admission in the hospital.
9. Post- Hospitalization expenses incurred up to 90 days after discharge from the hospital.
10. Organ Donor Expenses In patient hospitalization expenses incurred for organ transplantation from the Donor to the Recipient Insured Person are payable provided claim for transplantation is payable.
11. AYUSH Treatment: In patient Hospitalizations Expenses incurred for treatment of diseases / illness / accidental injuries by system of medicines other than allopathic up to the Sum Insured per year.
12. Bariatric Surgery:
    • Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable upto the limits mentioned, during the policy period.
    • The maximum limit of Rs.2,50,000/- and Rs.5,00,000/- are inclusive of pre-hospitalization and post hospitalization expenses.
13. Coverage for Modern Treatment: Please Click here
14. Benefit/Premium illustration for Individual and Floater basis please Click here
15. Automatic Restoration of Sum Insured: There shall be automatic restoration of the Sum Insured once by 100%
16. Cumulative Bonus: In respect of a claim free year of Insurance, the insured would be entitled to benefit of bonus of 20% of the expiring Sum Insured from the second year onwards. The maximum allowable bonus shall not exceed 100%.
17. Shared accommodation: If the Insured person occupies, a shared accommodation during in-patient hospitalization, then sum of Rs.2,000/- per day subject to a maximum of 7 days(per hospitalization) will be payable for each continuous and completed period of 24 hours of stay in such shared accommodation.
18. Rehabilitation and Pain Management: The company will pay the medical expenses for Rehabilitation and Pain Management up to the sub-limit (or) maximum up to 10% of the sum insured whichever is less, per policy year.
19. Assisted Reproduction Treatment: The Company will reimburse medical expenses incurred on Assisted Reproduction Treatment, where indicated, for sub-fertility with waiting period of 36 months from the date of first inception of this policy covered upto the limits for each policy year.
20. Ante-Natal Care (Pregnancy Care) : Company pays the expenses for Ante-natal care after confirmation of Pregnancy, incurred as an Out-patient up to the limits per policy year.
21. In Utero Fetal Surgery/Repair : The Company will pay the expenses incurred for listed In Utero Fetal Surgeries and Procedures subject to waiting period
22. Voluntary Sterilization Expenses :The Company will pay the expenses incurred for Voluntary Sterilization (Tubectomy / Vasectomy), after a waiting period of 24 months from the date of first inception of this policy, provided if Insured is a Married Person and his/ her age is 22 years and above.
    • Note: Expenses incurred for Reversal of Sterilization are not payable.
23. Miscarriage due to Accident: The Company will pay the lumpsum amount upto the limits towards miscarriage arising due to accident subject to a waiting period.
24. Delivery Expenses : Expenses for a Delivery including Delivery by Caesarean section (including pre-natal and post natal expenses) up-to the limits per delivery is payable subject to waiting period.

Tax Benefit: Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.

Pre acceptance medical screening: There is no Pre-acceptance medical screening. Pregnant women has to submit the scan reports taken at Star Health specified scan centres during their 12th and 20th week of their pregnancy period. The cost of such scan will be borne by the insured.

Free look period:At the time of inception of the policy, the Insured will be allowed a period of 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable. In such a case, the premium refund shall be as follows :

If the Insured has not made any claim during the free look period, the Insured shall be entitled to –

1. a refund of the premium paid less any expenses incurred by the Insurer on medical examination of the insured persons and the stamp duty charges
   or
2. where the risk has already commenced and the option of return of the policy is exercised by the policy holder, a deduction towards the proportionate risk premium for period on cover
   or
3. where only a part of the insurance coverage has commenced , such proportionate premium commensurate with the insurance coverage during such period. Free look period shall not be applicable at the time of renewal

NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.