1 / 13

Star Cardiac Care Insurance

Star Cardiac Care Insurance. A first of its kind policy exclusively designed to cover Heart patients who have undergone CABG / PTCA. Age Limits 10 years – 65 Years . Lifetime renewals Sum Insured options – Rs.300,000 & Rs.400,000 Plan Options Gold option Silver option. Benefits.

makara
Télécharger la présentation

Star Cardiac Care Insurance

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Star Cardiac Care Insurance A first of its kind policy exclusively designed to cover Heart patients who have undergone CABG / PTCA

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

  3. 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)

  4. 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 Surgical interventionof 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 only surgical management of cardiac ailments

  5. Co pay10% co pay on every admissible claim for fresh proposals above 60 years of age.Waiting period for section 2 claims – 90 daysAllowable 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 pace maker etc

  6. 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/-

  7. Day care Procedure • Minimum of 24 hours Hospitalization is not necessary for 101 specified procedures. • The standard exclusions and waiting period are applicable to all of the specified day care procedure. • Sublimit for Cataract is Rs.20,000 per eye subject to maximum of Rs.30,000 Per policy period

  8. 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 of PTCA/CABG already undergone • and CD given at the time of discharge • Echo Cardiogram not older than 3 months. • (If older, a fresh Echo & ECG required at Company’s cost). • All investigations done prior to, during hospitalization and • at the time of follow up. • Serum Creatinine and Urine routine tests • All other tests as per package applicable for Mediclassic

  9. Exclusions Treatments Payable after first two years of insurance cover • Cataract, Glaucoma, Retinal detachment/ macular • degeneration, • PIVD (other than caused by accident), • Varicose veins and varicose ulcers, • Benign prostatic Hypertrophy, Hydrocele, • Deviated Nasal septum, Sinusitis, • Tonsillitis, Nasal polyps, • Chronic SupparativeOtitis Media and related disorders, • Stapedectomy, • Hernia, Fistula/Fissure in ano and hemorrhoids • Congenital internal disease/defects

  10. Exclusions Contd., • 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.

  11. 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

  12. Other ImportantPermanent 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 including cochlear implants, walkers, and crutches wheel chairs including CPAP, CAPD, infusion pump and such other similar aids. • Expenses incurred for Diagnostic treatments • All other permanent exclusions remain the same.

  13. Thank You

More Related