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1. Star Health and Allied Insurance Company Limited
STAR Cardiac Care Insurance: A first of its kind policy exclusively designed to cover Heart
patients who have undergone CABG / PTCA
Echocardiography (Echo)
By-pass
Development of atherosclerotic plaques
Angiography
Cover
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
How much to Pay
Gold Plan
Silver Plan
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.
Sum Insured
4,00,000
3,00,000
[Rs]
Age [yrs]
Premium
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
Sum Insured
[Rs]
4,00,000
Age [yrs]
3,00,000
Premium
10 - 60
30,000
26,000
10 - 60
22,000
18,000
61 - 65
34,000
28,000
61 - 65
25,000
19,000
For Renewal Only
66 – 70
37,000
30,000
66 – 70
27,000
21,000
71 – 80
41,000
32,000
71 – 80
30,000
23,000
57,400
44,800
Above 80
39,000
29,900
Above 80
*Service Tax Extra
Policy Benefits
Hospitalization Benefit under two sections:
o Section 1 – Expenses incurred as an inpatient for treating Sickness/Illness/Diseases and
Accidental injuries
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

2. Star Health and Allied Insurance Company Limited
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
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
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

3. Star Health and Allied Insurance Company Limited
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
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.
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