» Home » Information » Product Info » General Insuarnce
Cardiac Care Platinum
Quick Links :
Synopsis:
Persons who have been diagnosed witha Cardiac ailment/ disorder inthe past and undergone a Cardiac Surgical intervention or procedure for the same. Note - Person with pacemaker can also apply for this policy.
Highlight:
- Entry Age:- 7 years to 70 years
- Renewal:- Lifelong
- Policy Term:- 1 year / 2 year / 3 year
- Premium Payment:- Quarterly / Half-Yearly / Yearly / Biennial (once in 2 yrs) / Triennial (once in 3 yrs)
- Sum Insured Options (Rs. in Lac) 5 / 7.5 / 10 / 15
- Psychiatric & Psychosomatic Covered (Actuals)
- Cardiac Devices (like Pacemaker) Covered up to 50% of the Sum Insured
- Modern Treatments Covered up to the Sub-limits mentioned in the policy clause
- Rehabilitation & Pain Management Covered up to the Sub-limits (or) up to 10% of the Sum Insured whichever is less
- Wellness Services Diet consultation, Counselling (for stress management), Unlimited-Tele Consultation, E-pharmacy
Benefit:
| Title | Description |
|---|---|
| Ambulance Expenses | Covered (Actuals) |
| Automatic Restoration of Sum Insured | Available once in a policy year (does not cover same illness/cardiac ailments/ modern treatments) |
| Co-Payment | Not applicable |
| Day Care Procedure Coverage | All daycareproceduresarecovered(Actuals)(Note:Sub-limitsapplicableonlyforCataracttreatment) |
| Donor Expenses | Heart Transplantation expenses Covered up to 200% of the Sum Insured (ExpensesincludingharvestingandtransportationofHeartbyAirand/orRoadarecovered) |
| Free Health Checkup | For SI 5 lac and 7.5 lac Rs 2000 and For SI 10 Lac Rs 3000 and SI 15 Lac Rs 4000 availableaftereverypolicy year |
| ICU Daily Rent Limit | Covered (Actuals) |
| Medical Screening | Not Required. ECHO,ECG (taken within 6months),Consultation andall medical records related totheintervention/ surgery/ medical management should be submitted at the time of proposal |
| Minimum Hospitalization Period | 24 hours |
| No Claim Bonus | 10%ofthesuminsuredforeachclaim freeyearandmaximumupto100%of thesum insured |
| Post Hospitalization Expenses | 60 days Actual |
| Pre-Existing Disease / Illness coverage | Covered after 4 years |
| Pre-Hospitalization Expenses | 30 days Actual |
| Room Rent Limit | Single Private AC Room (Actuals) |
| Waiting Period for New Policy | 30 days for all illnesses (except for accidents) |