Cardiac care nandagopal-9994910202

Star Health and Allied Insurance Co. Ltd.,

S.V.NANDAGOPALSENIOR SALES MANAGER

THANKS FOR OPPORTUNITY TO SERVEMOBILE

99949 10202 , 94431 86864 , 83000 20102

www.licnanda.blogspot.com

[email protected] , [email protected]

வருமுன்னர்க் காவாதான் வாழ்க்கக எரிமுன்னர்கவத்தூறு ப ாலக் ககடும். திருக்குறள்

mailto:[email protected],[email protected]


STAR Cardiac Care Insurancefrom 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 pay10% 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 Cardiac Care

Star Health and Allied Insurance Co. Ltd.,FHO-

rev2014/cpu/ver1.4/16 Oct

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

Healthcare

Cardiac care nandagopal-9994910202