Who Can Take This Insurance?



Any person aged between 10 years and 65 years and who has undergone for the first time PTCA (Stenting) or CABG (By-pass) within 4 years prior to the date of policy purchase can take this insurance.


The sum insured under this insurance is per individual member covered.




Policy Benefits




Section 1:



Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs.


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 paid as lump-sum upto the limit specified.


101 Day-care treatments covered




Pre-Existing Diseases / Illness :



Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company.




Section 2 (Cardiac Section)



Cardiac ailments covered after 90 days. 2 Plans available -GOLD PLAN and SILVER PLAN. GOLD PLAN covers any cardiac related complications necessitating surgery / intervention and also cardiac medical management SILVER PLAN covers any cardiac related complications necessitating surgery / intervention only.




Pre- Acceptance medical screening:



All Persons will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company.






Tax Benefits


Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act.




Free look period :  A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening , stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.Free look cancellation is not applicable at the time of renewal.



Star Advantages


No Third Party Administrator - direct in - house claims settlement.


Faster and hassle-free claim settlement.


Cashless hospitalization.


Network of more than 6000 hospitals across India.


Free expert medical consultation over phone 24 x 7 Toll Free Helpline.


Free storage facility for storing medical records in electronic form. For details contact toll free no 1800 4