This plan ensures peace of mind for cardiac patients, helping them focus on recovery rather than worrying about hospital expenses — truly a heartfelt protection for life.

Star Health Insurance – Cardiac Care Insurance Policy

Introduction:
The Star Health Cardiac Care Insurance Policy is a specialized health insurance plan crafted for individuals who have undergone cardiac procedures or are living with heart-related conditions. It provides comprehensive financial protection against hospitalization expenses, cardiac treatments, and related medical costs. This plan is ideal for those who have a history of heart disease and want lifelong protection for themselves and their families.

Key Features of Star Cardiac Care Policy

1. Designed for Cardiac Patients:
   Specifically created for individuals who have undergone cardiac procedures like angioplasty, bypass surgery, or are diagnosed with cardiac ailments.
2. Two Plan Variants:
   • Plan A: Covers both cardiac and non-cardiac hospitalization expenses.
   • Plan B: Covers only cardiac-related hospitalizations and treatments.
3. Comprehensive Hospitalization Coverage:
   Covers room rent, nursing, surgeon’s fees, medical supplies, ICU charges, and related costs during hospitalization.
4. Pre & Post Hospitalization Expenses:
   Covers expenses 30 days before and 60 days after hospitalization for diagnostic tests and follow-up treatments.
5. Modern Treatment Coverage:
   Includes advanced cardiac care procedures, robotic surgeries, and interventional treatments as per policy terms.
6. Day Care Procedures:
   Covers medically necessary procedures that don’t require 24-hour hospitalization.
7. Organ Donor Expenses:
   Includes expenses related to organ transplantation if required due to cardiac complications.
8. Non-Cardiac Coverage (under Plan A):
   Provides protection for illnesses and accidents not related to cardiac conditions.
9. Cashless Treatment:
   Avail cashless services at over 14,000+ Star Health network hospitals across India.
10. Lifelong Renewability:
    The policy can be renewed for life with no age restrictions.
11. Tax Benefits:
    Premiums paid are eligible for deductions under Section 80D of the Income Tax Act, 1961.

Other Important Information

• Eligibility: Individuals aged 10 years to 65 years with a history of cardiac procedures or heart disease.
• Policy Type: Individual policy.
• Sum Insured Options: From ₹3 lakh to ₹10 lakh, depending on medical requirements.
• Waiting Period:
  • Plan A: Immediate coverage for cardiac conditions (post 45 days waiting period for non-cardiac illnesses).
  • Plan B: Cardiac complications covered after 90 days from policy inception.

Example Case Study

Example:
Mr. Srinivasan, a 55-year-old businessman from Coimbatore, had undergone angioplasty two years ago. To safeguard his health and finances, he purchased the Star Health Cardiac Care Insurance Policy (Plan A) with a sum insured of ₹7 lakh.

A few months later, he was hospitalized due to chest pain and required stent replacement, which cost around ₹4.5 lakh. Since the policy covered cardiac treatments, Star Health settled the entire bill cashlessly through one of their network hospitals.

A few months later, he also required hospitalization for a non-cardiac issue (appendicitis), which was also covered under Plan A — giving him comprehensive health protection for both cardiac and general medical needs.

Conclusion

The Star Health Cardiac Care Insurance Policy is a valuable health plan for those with a cardiac history or pre-existing heart conditions. With its dual-plan option, broad hospitalization coverage, and access to modern treatments, it provides complete financial security during cardiac and non-cardiac emergencies.

This plan ensures peace of mind for cardiac patients, helping them focus on recovery rather than worrying about hospital expenses — truly a heartfelt protection for life.

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