Cardiac care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.,
S.V.NANDAGOPAL
SENIOR SALES MANAGER
THANKS FOR OPPORTUNITY TO SERVE
MOBILE
99949 10202 , 94431 86864 , 83000 20102
www.licnanda.blogspot.com
licnanda@gmail.com , starhealthwithu@gmail.com
வருமுன்னர்க் காவாதான் வாழ்க்கக எரிமுன்னர்
கவத்தூறு ப ாலக் ககடும். திருக்குறள்

STAR Cardiac Care Insurance
from a caring insurance company
A first of its kind policy
exclusively designed to cover
Heart patients
who have undergone
CABG ( Coronary Artery
Bypass Graft Surgery) / PTCA
(Percutaneous transluminal
coronary angioplasty)

Echocardiography (Echo)

By-pass

Development of atherosclerotic
plaques
Normal
Fatty streak
Foam cells
Lipid-rich plaque
Lipid core
Fibrous cap
Thrombus

Angiography

Angiogram picture

Regular Cover
+
Cardiac Cover

Age Limits
10 years – 65 Years.
Lifetime renewals
Sum Insured options – Rs.300,000 & Rs.400,000
Plan Options
 Gold Plan
 Silver Plan

Benefits
 Hospitalization Benefit under two sections:
Section 1 –
Expenses incurred as an inpatient for treating
Sickness/Illness/Diseases and
Accidental injuries
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)

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
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
 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

 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
Exclusions
Treatments Payable after first two years of insurance cover

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.
Exclusions Contd.,

 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
Exclusions contd.,

 Naturopathy Treatment
 Maternity Related Expenses
 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.
Other Important Permanent Exclusions

Star Health and Allied Insurance Co. Ltd.,FHO- 24
• ALSO WE PROVIDE
• LIFE INSURANCE
• HEALTH INSURANCE
• CHILD FUTURE PLANS
• TAX SAVING & PLANNING
• PAN CARD & PASSPORT
• MOTOR VEHICLE INSURANCE
• IMPORT & EXPORT INSURANCE
• INDIVIDUAL,FAMILY,GROUP &
CORPORATE INSURANCE
NEEDS

Thank You

Cardiac care nandagopal-9994910202

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