Heart Disease in India: Protect Yourself with Cardiac Care Insurance
Introduction:
 |
| Avinash Randive |
Heart
disease is a significant health concern in India, with nearly 17 lakh people
succumbing to heart attacks annually. This number is projected to rise in the
coming years, especially among those living in urban areas. In the face of such
alarming statistics, it's crucial to take proactive steps to safeguard our
health and financial well-being. One effective way to do so is by investing in
cardiac care insurance. ❤💰
Expert Guidance: Meet Avinash Randive
 |
| Avinash Randive |
Avinash
Randive is a seasoned health insurance expert with over 16 years of experience.
Passionate about personalized solutions, Avinash founded the Globe Xpand
Community in 2007. Leading a team of 275+ Associates serving over 9000+
clients, he's committed to securing a healthier future for all. With a goal to
reach 100,000 clients by 2025, Avinash is your trusted guide to health
insurance. Contact him today!
Understanding Heart Disease:
 |
| Avinash Randive |
Heart
disease encompasses a range of conditions that affect the heart, including
coronary artery disease, heart attacks, and heart failure. These conditions can
have serious consequences and often require expensive medical treatments and
procedures. While maintaining a healthy lifestyle can reduce the risk of heart
disease, unforeseen circumstances can still arise. This is where cardiac care
insurance becomes invaluable. 🫀💔
What is Cardiac Care Insurance?
 |
| Avinash Randive |
Cardiac care
insurance is a specialized health insurance policy designed to provide coverage
specifically for heart-related conditions and treatments. Unlike standard
health insurance plans, which may offer limited coverage for cardiac care,
these policies are tailored to address the unique needs of individuals at risk
of heart disease or those with existing heart conditions. 💉🏥
Benefits of Star Cardiac Care Health Insurance Policy
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| Avinash Randive |
When
considering Star Cardiac Care Health Insurance Policy, you can expect several
key benefits tailored to your needs:
· Direct In-House Claim Settlement:
With Star
Cardiac Care Insurance, you can skip the hassle of dealing with third-party
administrators. The policy provider ensures direct in-house claim settlement,
streamlining the process for faster service and smoother transactions. 🤝💼
· Cashless Hospitalization:
Gain access to cashless hospitalization at
over 9900 network hospitals across India. In the event of hospitalization, the
insurer settles the bill directly with the hospital, sparing you from immediate
out-of-pocket expenses up to the specified limit. This feature provides
financial relief during critical times, allowing you to focus on your recovery
without worrying about monetary constraints. 💳💼
· 15-Day Free-Look Period:
Worried
about committing to a policy without fully understanding its terms and
benefits? With Star Cardiac Care Insurance, you don't have to. Enjoy a 15-day
free-look period, during which you can thoroughly review the policy terms and
conditions. This grace period empowers you to make an informed decision on
whether to continue with the policy or explore alternative options that better
suit your needs. 📅🔍
· No Pre-Medical Diagnostic Tests Required:
Applying for cardiac cover under the Star
Health Insurance Policy is hassle-free. Unlike some other insurance providers
that may require pre-medical diagnostic tests, Star Cardiac Care Insurance
eliminates this requirement. This streamlined application process saves you
time and effort, making it easier to secure the coverage you need for peace of
mind. 🩺🧾
Expenses Covered under Star Cardiac Care Health Insurance Policy
 |
| Avinash Randive |
The Star
Cardiac Care Health Insurance Policy offers comprehensive coverage for a wide
range of medical expenses associated with heart-related conditions and
treatments:
Section 1:
Hospitalization Cover:
Inpatient
Hospitalization: Coverage includes room charges, nursing and boarding charges,
surgeon and anesthetist fees, doctor and specialist fees, consultants' fees,
operation theater (OT) charges, ICU charges, oxygen, blood, diagnostics,
medicines, and other related expenses.
Pre-Hospitalization:
Expenses
incurred up to 30 days before hospital admission are covered.
Ambulance
Charges:
Emergency
transportation expenses up to specified limits are reimbursed.
Post-Hospitalization:
Coverage for
post-hospitalization expenses up to Rs 5,000 per hospitalization.
Day-Care
Treatments:
All day-care
treatments are eligible for claims under the policy.
Pre-existing
Diseases:
Coverage for
pre-existing diseases and illnesses is available after maintaining the policy
for more than 48 months.
Section 2:
Hospitalization
Cover for Cardiac Ailments
Treatment
for cardiovascular diseases is covered once the waiting period of 90 days is
completed. This waiting period does not apply to renewals.
Section 3:
Coverage for
Outpatient Medical Expenses
Outpatient
treatment costs incurred at network hospitals in India are covered as
outpatient expenses. The coverage limit is Rs 500 up to a maximum of Rs 1,500
per policy term, forming part of the overall coverage amount.
Section 4:
Personal
Accident Cover
In the
unfortunate event of sustaining bodily injuries from an accident leading to
accidental death within 12 months from the date of the incident, the insurance
company will compensate up to the specified sum insured as mentioned in the
policy documents. This coverage is available worldwide, with the sum insured
equal to the policy coverage amount.
Premium Estimation
 |
| Avinash Randive |
The premium
estimation for Star Cardiac Insurance Policy varies based on age and sum
insured. Refer to the table below for estimated premiums (excluding tax):
|
Premium Rs (Excluding Tax) |
||||||||
|
Sum Insured (Rs) |
Rs 3 Lakh |
Rs 4 Lakh |
||||||
|
Age ( in years) |
Silver Plan |
Gold Plan |
Silver Plan |
Gold Plan |
||||
|
10-60 yrs |
14,095 |
18,790 |
16,110 |
21,475 |
||||
|
61-65 yrs |
16,210 |
21,610 |
18,525 |
24,695 |
||||
|
66-70 yrs |
18,640 |
24,850 |
21,300 |
28,400 |
||||
|
71-80 yrs |
20,505 |
27,335 |
23,430 |
31,240 |
||||
|
Above 80 yrs |
22,555 |
30,070
|
25,775 |
34,365 |
||||
|
Rs 4 Lakh |
|
|||||||
|
Age ( in years) |
Silver Plan |
Gold Plan |
Silver Plan |
Gold Plan |
||||
|
10-60 yrs |
16,110 |
21,475 |
16,110 |
21,475 |
||||
|
61-65 yrs |
18,525 |
24,695 |
18,525 |
24,695 |
||||
|
66-70 yrs |
21,300 |
28,400 |
21,300 |
28,400 |
||||
|
71-80 yrs |
23,430 |
31,240 |
23,430 |
31,240 |
||||
|
Above 80 yrs |
25,775 |
34,365 |
25,775 |
34,365 |
||||
Waiting Periods
 |
| Avinash Randive |
Be
mindful of the applicable waiting period clauses:
48-month
waiting period applies to pre-existing diseases.
24 months
waiting period applies to specified illnesses, treatments, and diseases.
A 30-day
waiting period is applicable post-policy commencement, except for accidental
cases.
Exclusions
While Star
Cardiac Care Health Insurance Policy offers extensive coverage, some exclusions
apply. These include cosmetic surgeries, experimental treatments,
self-inflicted injuries, and more. Avinash can provide detailed information
based on your specific needs and circumstances.
Conclusion
Heart
disease is a prevalent health concern in India, affecting millions of
individuals each year. Investing in cardiac care insurance is a proactive step
toward protecting your health and financial well-being. With comprehensive
coverage, specialized care, and peace of mind, cardiac care insurance offers a
valuable safety net in the face of heart-related illnesses.
Take charge
of your heart health today by exploring your options for cardiac care
insurance. Contact Avinash to learn more and find the policy that best meets
your needs and budget. Your future self will thank you for the peace of mind
and protection. 🌟🫁
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Discover Your Ideal Cardiac Care Insurance Plan with Avinash Randive Are you in search of the perfect insurance coverage tailored to your cardiac care needs? Look no further! I'm Avinash Randive, your dedicated guide to navigating the complexities of cardiac care insurance. With my expertise, I'll ensure you find the right plan to manage your heart health effectively while staying within your budget. At Globe Xpand Solutions, we prioritize protecting your family's cardiac care with personalized insurance solutions. Ready to Get Started? Contact me today to begin your journey toward securing the perfect cardiac care insurance plan: ☎️ Call: +91 8421214224 💻 Visit: avinashrandive.com Your health and financial well-being are paramount. Let's work together to safeguard both!
