The Star Cardiac Care Insurance Policy is a specialized health insurance plan offered by Star Health and Allied Insurance Co. Ltd. It is specifically designed to provide coverage for individuals with a history of cardiac ailments. Here are the key features of the Star Cardiac Care Insurance Policy:
Coverage for Cardiac Ailments: The policy provides coverage for medical expenses related to cardiac ailments, including heart attack, cardiac surgery, angioplasty, coronary artery bypass graft surgery, and other heart-related procedures.
In-patient Hospitalization: It covers expenses incurred during in-patient hospitalization, including room rent, nursing charges, doctor's fees, ICU charges, operation theater charges, and other medical expenses.
Pre and Post-hospitalization Expenses: The policy offers coverage for medical expenses incurred before and after hospitalization for a specified period, ensuring comprehensive coverage for the entire treatment process.
Day Care Procedures: Coverage is provided for day care treatments that do not require 24-hour hospitalization but are medically necessary for the treatment of cardiac ailments.
Ambulance Charges: It reimburses ambulance charges incurred for transporting the insured person to the hospital in case of an emergency due to a cardiac ailment, providing financial assistance during critical situations.
Domiciliary Hospitalization: The policy covers medical treatment taken at home for cardiac ailments that would normally require hospitalization, ensuring continuity of care in the comfort of home.
No Pre-policy Medical Check-up: Some variants of the policy may offer coverage without requiring a pre-policy medical check-up, making it easier for individuals with pre-existing cardiac conditions to obtain coverage.
Cashless Hospitalization: Star Health has a vast network of hospitals where policyholders can avail of cashless treatment for cardiac ailments, making the claim process smooth and hassle-free.
Lifetime Renewability: Policyholders have the option to renew the policy for a lifetime, ensuring continuous coverage for their cardiac health throughout their lives.
Tax Benefits: Premiums paid towards the policy may be eligible for tax benefits under Section 80D of the Income Tax Act, 1961, subject to applicable tax laws.
The Star Cardiac Care Insurance Policy provides specialized coverage for individuals with a history of cardiac ailments, ensuring financial security and peace of mind in the event of cardiac emergencies. Policyholders should carefully review the policy documents, including terms, conditions, and exclusions, to understand the coverage offered under the policy. Additionally, consulting with an insurance advisor can help in selecting the most suitable coverage options based on individual cardiac health needs and requirements.
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