My father was diagnosed with a heart attack (unstable angina) 6 months back. 3 stents on the left artery and 3 stents on the right artery were installed. He is eligible for only two policies provided by Star Health.
Kindly let me know which one is better. I want coverage of around 10 lakhs (base + top-up) for my father.
1.Star Comprehensive Insurance Policy
> 4 years of waiting for cardiac-related and other ailments)
>Premium of 30,185 for an S.I of 5 lakhs
>Add-on policy is available
2.Star Cardiac Care Insurance Policy
>No waiting period cardiac-related ailments and 4 years waiting period for other ailments
>Maximum of 4 lakhs sum insured
>Premium of 29,140 for 4 lakhs S.I
>No add-on policy available
Age of my father: 64 years
Existing diseases: Unstable angina and type 2 diabetes
Thanks in advance.
As the name suggests, Star Cardiac only covers ailments related to heart. Hence, I suggest you to go for comprehensive coverage by disclosing the current health status.
Okay, thank you.
Start Cardiac covers other ailments too. But the disadvantage is the limit on the maximum sum insured i.e. 4 lakhs.
But I still suggest you to go for comprehensive.
Okay, thanks a lot!