Is Angiogram Covered by Star Health Insurance?
Star Health Insurance is a leading health insurance provider in India, offering a range of policies to cater to the healthcare needs of individuals and families. One of the most common procedures covered under their policies is the angiogram, which is a medical test used to diagnose and treat various heart-related conditions. In this article, we will delve deeper into the coverage of angiograms by Star Health Insurance and explore the benefits and limitations of this procedure.An angiogram is a medical test that involves inserting a thin tube called a catheter into the blood vessels of the heart to capture images of the arteries and veins. This test is used to diagnose conditions such as coronary artery disease, blockages in the arteries, and abnormalities in the heart valves. It is also used to guide procedures such as angioplasty and stenting, which are used to treat blockages in the arteries.Star Health Insurance offers a range of policies that cover angiograms, including individual policies, family floater policies, and critical illness plans. The coverage for angiograms varies depending on the policy chosen by the insured. For example, some policies may cover only diagnostic angiograms, while others may cover both diagnostic and interventional angiograms. Additionally, some policies may have a waiting period before coverage for angiograms begins, while others may offer immediate coverage.One of the main benefits of having angiogram coverage under Star Health Insurance is the financial protection it provides. An angiogram can be an expensive procedure, with costs ranging from Rs. 50,000 to Rs. 1,00,000 or more, depending on the complexity of the procedure and the hospital chosen. With insurance coverage, the insured can get the procedure done without worrying about the cost, as the insurance company will pay for the procedure after meeting the applicable deductibles and co-payments.Another benefit of having angiogram coverage under Star Health Insurance is the peace of mind it provides. Knowing that one has coverage for a potentially life-threatening condition such as coronary artery disease can help reduce stress and anxiety related to health concerns. Additionally, having coverage can encourage individuals to seek medical attention early on, which can lead to better outcomes and a faster recovery.However, there are also some limitations to having angiogram coverage under Star Health Insurance. One limitation is that not all policies cover all types of angiograms. For example, some policies may cover only diagnostic angiograms, while others may cover both diagnostic and interventional angiograms. Additionally, some policies may have a waiting period before coverage for angiograms begins, which means that the insured may have to wait for a certain period before they can avail of the coverage.Another limitation is that some policies may have sub-limits for angiogram coverage. For example, the policy may have a maximum limit of Rs. 50,000 for angiogram coverage, beyond which the insured will have to bear the cost themselves. This can be a significant limitation if the cost of the procedure exceeds the sub-limit.In conclusion, Star Health Insurance offers coverage for angiograms under its range of policies, providing financial protection and peace of mind to the insured. However, it is important to carefully read the terms and conditions of the policy to understand the coverage provided and any limitations or sub-limits applicable. By doing so, one can make an informed decision and choose the policy that best suits their healthcare needs.