This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases, This policy has two Plan options – Gold Plan and Silver Plan, Under both the Plans hospitalization expenses for non cardiac diseases and accidents are covered under Section 1, Under Section 2: Gold Plan covers both medical management and surgical/interventional management for cardiac related diseases while Silver Plan covers only Surgical / Interventional management. Out Patient Benefit is available under both plans, Personal Accident Death Cover is available under both plans,

1. Star Health and Allied Insurance Company Limited
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
STAR Cardiac Care Insurance: A first of its kind policy exclusively designed to cover Heart
patients who have undergone CABG / PTCA
Star Cardiac Care Insurance Policy
This policy is for persons who have undergone for the first time the named surgery / intervention /
correction for the existing Cardiac diseases.
This policy has two Plan options – Gold Plan and Silver Plan.
Silver Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related
complications that necessitate surgery/intervention.
Gold Plan pays for expenses incurred as an inpatient for treatment in respect of all cardiac related
complications that necessitate medical management, surgery/intervention.
Under both the Plans regular hospitalization is covered under Section 1 and all Cardiac related
ailments are covered under Section 2.
Out Patient Benefit is available.
Personal Accident: Accidental Death Cover.
No Pre acceptance medical screening.
405 day-care procedures covered.
Cover
Regular Cover + Cardiac Cover Plan Option: Gold Plan, Silver Plan
Age Limits
 10 years – 65 Years.
 Lifetime renewals
 Sum Insured options – Rs.300,000 & Rs.400,000
How much to Pay
Gold Plan Silver Plan
Hospitalisation Expenses incurred as an In-patient
for
Hospitalisation Expenses incurred as an In-patient
for:
Sec.1: Illness / Sickness / Disease / Accidental
Injuries.
Sec.2: Any Cardiac related complications which
necessitate surgery / intervention and Cardiac
medical management.
Sec.1: illness / Sickness / Disease / Accidental
Injuries.
Sec.2: Any Cardiac related complications which
necessitate surgery / intervention
Sum Insured
[Rs]
4,00,000 3,00,000
Sum Insured
[Rs]
4,00,000 3,00,000
Age [yrs] Premium Age [yrs] Premium
10 - 60 23231 22172 10 - 60 19010 16632
61 - 65 29140 25500 61 - 65 21860 19128

2. Star Health and Allied Insurance Company Limited
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
For Renewal Only
66 – 70 33512 29323 66 – 70 25134 21995
71 – 80 36863 32255 71 – 80 27647 24196
Above 80 40551 35483 Above 80 30415 26615
*Premium Including GST 18%
Policy Benefits
 Hospitalization Benefit under two sections:
o Section 1 – Expenses incurred as an inpatient for treating Sickness/Illness/Diseases and
Accidental injuries
o Section 2 – Expenses incurred as an inpatient for treating
 Cardiac ailments.
 Pre Hospitalization (Section 1&2)
 Post Hospitalization (Section 1&2)
 Day care procedure (Section 1)
 Section 1: Hospitalization Cover: In-Patient hospitalization expenses for a minimum of 24 hours,
Pre-existing diseases are covered after 48 months of continuous insurance with any indian
insurance company.
 Section 2: Hospitalization Cover: Expenses for treatment of Cardiac Ailments as an In-patient for
a minimum 24 hours, Pre-existing Cardiac Ailment Covered from the 91st
day of the
commencement of the policy.
Gold Plan
 Section 1 - Expenses incurred as an inpatient for treating Sickness/Illness/Diseases and Accidental
injuries
 Section 2 - Expenses incurred as an inpatient for Surgery /Intervention (Stenting) and also
Medical Management of Cardiac ailments
Silver Plan
 Section 1 - Expenses incurred as an inpatient for treating Sickness/Illness/Diseases and Accidental
injuries
 Section 2 - Expenses incurred as an inpatient for Surgery /Intervention (Stenting) only
Co pay
 10% co pay on every admissible claim for fresh proposals above 60 years of age.
Waiting period
 for section 1 - 30 days / Section 2 – 90 days
Section 1: Hospitlization Cover
Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These
expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner,
Consultants, Specialist Fees, Oxygen, Operation Theatre, Diagnostics, imaging modalities and Cost
of Medicines and Drugs, Oxygen, Blood, Operation theatre, Diagnostic and Imaging modalities.

3. Star Health and Allied Insurance Company Limited
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
Ambulance charges for emergency transportation to hospital as per specified limits.
Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
Post-hospitalisation expenses incurred up to specified limits.
405 Day-care treatments covered.
Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage without break
with any Indian Non-Life Insurer, under Section 1
Section 2: Cardiac Section
After a waiting period of 90 days, this policy covers all treatments relating to Cardiac diseases. This
waiting period will not apply for renewals.
Section 3: Out-Patient Expenses
The Company will pay the amount of such expenses as are reasonably and necessarily incurred at
the network hospitals/diagnostic centres as an Out Patient, provided the policy is in force.
The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per
policy period, provided policy is in force. This benefit forms part of the Sum Insured.
Section 4: Personal Accident
If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury
resulting solely and directly from an Accident caused by external, violent and visible means and if
such accident causes death of the Insured Person within 12 Calendar months from the date of
Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation.
Eligibility
Star Cardiac Care Insurance can be taken by any person between 10 years and 65 years of age,
who has undergone for the first time.
PTCA (Stenting) or CABG (By-pass) procedure, within 7 years prior to the date of policy purchase or
Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or
Patent Ductus Arteriosus (PDA) that has been treated or
RF Ablation done to correct the underlying cardiac condition or
Had an Angiogram done but no intervention was medically found necessary
Allowable Expenses
 Room rent & boarding charges @ 2% of the sum insured up-to a maximum of Rs. 5,000/- per day
 Nursing charges, Surgeons, Anesthetist, Consultants and Specialists fees
 Operation Theatre charges, drugs and medicines diagnostic materials, cost of stents, Implants and
pacemaker, etc
Underwriting guidelines:
 Pre acceptance medical screening for all persons irrespective of the age
 Centralized underwriting at Corporate Office.
The following documents are mandatory

4. Star Health and Allied Insurance Company Limited
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
 Discharge Summary (while admitted for PTCA/CABG) and CD given at the time of discharge
 ECG / Echo Cardiogram not older than 3 months
 All investigations done prior to, during hospitalization and at the time of follow up
 Serum Creatinine and Urine routine tests
Allowable Expenses…
 Emergency Ambulance charges to go to Hospital for treatment @ Rs 750/- per hospitalization up to
a maximum of Rs 1,500/- per policy period
 Pre-hospitalization expenses incurred for a period of 30 days prior to the date of hospitalization
 Post hospitalization expenses incurred for a period of 60 days on a lump-sum basis @ 7% of the
actual hospitalization expenses (excluding room rent and hospital registration charges), subject to a
maximum of Rs. 5,000/-
Day care Procedure
 Minimum of 24 hours Hospitalization is not necessary for 101 specified procedures.The standard
exclusions and waiting period are applicable.
 Sublimit for Cataract is Rs.20,000 per eye subject to maximum of Rs.30,000 Per policy period
Exclusions Treatments Payable after first two years of insurance cover
 Cataract, Glaucoma, Retinal detachment/ macular degeneration,
 Disc Prolapse ( PIVD -other than caused by accident),
 Varicose veins and varicose ulcers,
 Benign prostatic Hypertrophy, Hydrocele,
 Deviated Nasal septum, Sinusitis,
 Tonsillitis, Nasal polyps,
 Ear discharge (CSOM) and related disorders,
 Stapedectomy,
 Hernia, Fistula/Fissure in Ano and hemorrhoids
 Congenital internal disease/defects
All treatments - conservative, interventional, laparoscopic and open for
 Hepatobillary, gall bladder, pancreatic calculi and
 Genitourinary calculi
 Uterine prolapse,
 Dysfunctional Uterine Bleeding,
 Fibroids, Pelvic Inflammatory Diseases,
 All diseases of fallopian tubes and ovaries.
 Conservative and operative treatment of joint diseases [other than caused by accident]
 All types of joint replacement (other than caused by accident)
 Degenerative disc and vertebral diseases
 Degenerative diseases of the musculo-skeletal system
 All PED other than Cardiac covered after 48 months of continuous coverage with STAR.
 Any disease contracted by the insured person during the first 30 days from the commencement date
of the policy
Tax Benefits
 Payment of premium by any mode other than cash for this insurance is eligible for relit under
Section 80D of the Income Tax Act 1961.
Other Important Permanent Exclusions
 Naturopathy Treatment
 Maternity Related Expenses

5. Star Health and Allied Insurance Company Limited
Branch Office.: No.74, Chella Chamber, 2nd Floor, Covai Main Road,, Karur – 639 002 Ph. 04324 241545
CORPORATE OFFICE: No.1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Ph: 044-28288800
Help Line. 99946 12916, 93628 54443 E-mail.: dhanasekaran.p@starhealth.in
 Dental Treatments
 Stem cell implantation and / or therapy
 Expenses incurred on Enhanced External Counter Pulsation therapy and related therapies and
Rotational Field Quantum Magnetic Resonance Therapy and such other similar therapies
 Cost of spectacles and contact lens, hearing aids, cochlear implants, walkers, and crutches, wheel
chairs, CPAP, CAPD, infusion pump and such other similar aids.
 Expenses incurred for Diagnostic treatments
 All other permanent exclusions remain the same.