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642 Cardio Diabetes Medicine 2017

Permanent exclusions [11] Further the look-back period was enhanced from 4
years to 7 years. With these changes the ambit of the
There could be some permanent exclusions like persons becoming eligible got broadened. Out-pa-
injuries in war, HIV, intentional injuries, congenial tient coverage was also introduced to take care
diseases, etc.
of the consultation, diagnostics and expenses on
Having spoken about the exclusions, it can be medicines and drugs. This would encourage routine
noted how these exclusions can limit the benefit check-up for health maintenance. There is an em-
of health insurance to various segments of the bedded Personal Accident cover against Accidental
population. Death – this offers protection for the family of the
policyholder in case of any accidental mishap.
It is very important to make health insurance inclusive
to all segments of society. Product innovation is a key We have moved in the direction of providing holistic
strategy to any Health insurance company as it is to coverage. Thus Star protects the insured against any
Star Health and Allied Insurance Co. Ltd. Star Health health contingency and also protects the insured’s
has always been at the forefront of innovating on the family against an accident contingency. The entire
processes and products continually to remain rele- revision was configured in the base operating sys-
vant to the changing customer aspirations. Some of tem with a special process flow created for medical
the most innovative products from Star Health are: underwriting.
Star Cardiac Care Insurance policy The retail business focus has given the Company
a new thrust and direction to forge ahead with new
Diabetes Safe Insurance Policy
vigour and new innovative products in the health in-
Senior Citizen Red Carpet Policy surance space. Our bouquet of specialised products
have made a splash in the Market giving the citizens
Sankalp
of our country a wider choice range in terms of af-
Star Net Plus fordability and accessibility to various healthcare ser-
vices. This has also helped in increasing the penetra-
Star Super Surplus Policy
tion of Health insurance and the spread of our reach.
Star Wedding Gift Insurance
This policy is for persons who have undergone for
the first time the named surgery / intervention / cor-
Innovative Aspects of Star Cardiac Care:
rection for the existing Cardiac diseases. This policy
Star Health Cardiac Care Insurance Policy is an exclu- has two Plan options – Gold Plan and Silver Plan and
sive product to cover customers who have undergone each Plan has two distinct sections – One for Regular
PTCA and CABG. Covers in-patient cardiac ailment Hospitalization and another for hospitalization spe-
treatment expenses which require hospitalization of cifically for cardiac ailments.
at least 24 hours. Pre-existing cardiac ailments are
st
covered from the 91 day of policy commencement. The Silver Plan pays for expenses incurred as an in-
Pre-hospitalization medical expenses upto 30 days patient for treatment in respect of all cardiac related
prior to hospitalization Post hospitalisation medical complications that necessitate surgery/intervention
expenses – Upto 7% of hospitalisation expenses while the Gold Plan pays for expenses incurred as
(excluding room rent) subject to a maximum of Rs. an inpatient for treatment in respect of all cardiac
5,000. The product is for persons who have under- related complications that necessitate medical man-
gone Bypass or PTCA. As the experimentation with agement, surgery/intervention.
the affected persons is being done for the first time Under both the Plans regular hospitalization and all
we were moving cautiously limiting the eligibility to Cardiac related ailments are covered. There is no
persons who have undergone Bypass Grafting, PTCA Pre-acceptance medical screening. 405 day-care pro-
within 4 year look back from the date of proposal. cedures and Out Patient Benefits are also available
Our experience indicated that there are a few other under this policy.
areas that can be opened up without compromising Insurance For Diabetes A Bitter - Sweet Pill
much on the safety. Hence the revised version was
launched with inclusion of more persons who have India is home to 65 million diabetics & 50 million pre
undergone Atrial Septal Defect (ASD) / Ventricular -diabetes, and 56 per cent people remain unaware of
Septal Defect (VSD) closure , Patent Ductus Arterio- the fact that they have diabetes until it is too late. Type
sus (PDA) and persons on who Angiogram was done II diabetes is a lifestyle disease and obesity is at the
but no intervention was medically found necessary. root of it. Diabetes also makes the patient prone to

GCDC 2017