Star Health
Cardiac Care Platinum
The Star Cardiac Care Platinum plan is a specialized health insurance policy designed for individuals with heart ailments, offering coverage up to ₹15 lakhs. It covers modern treatments, heart transplants, coronary angiograms, and heart devices, with no pre-policy medical tests required. It features optional lump sum coverage for recurrence or metastasis of cancer and offers flexible premium payment options. It also offers a no-claim bonus. Every year, you go without making a claim, your sum insured grows by 10% up to a maximum of 100% of the sum insured.
What's good here?
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Pre & Post hospitalization
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
What's bad here?
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cardio vascular conditions, Cataracts, Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Your insurance cover won’t be fully available in case you are treated for Cardio vascular conditions, Cataracts, Modern Treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Reasonable waiting period for pre-existing diseases
If you are already dealing with cardiac ailments, then the insurer will cover you from day 31. However, if you are dealing with other pre-existing diseases including thyroid, diabetes, etc, then you’ll have to wait 3 years before they start covering these complications.
Maternity benefits not offered
TODO
No coverage if you are forced to hospitalize at home
The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. In insurance lingo, they call this a policy with no domiciliary cover.
What's okay here?
Doctor consultations covered
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.
In the event, you are feeling sick and you want to visit your family physician for a general checkup, the insurer will cover the costs.
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Special Bonus for being healthy and not claiming insurance
Your sum insured increases by 10% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.
Frequently Asked Questions
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