Quick answers
A crack has opened in my ceiling and I can see rusty steel. Is it dangerous?
It means the reinforcement is rusting, usually because of water, and shouldn't be left. Local damage is repaired: clean, protect the steel, rebuild with repair mortar. If it is spreading or on a beam, call an engineer.
Inside a ceiling slab there are steel bars, the reinforcement. When water gets in, from a roof, a balcony or a bathroom above, the bars rust over the years. Rust takes up more room than steel, so it swells and breaks the concrete around it. That is why the crack often follows a straight line, along a bar.

In this bedroom the ceiling had cracks and blistered plaster. When the loose pieces were removed, rusted steel showed inside the crack. The crack was opened up that far so it could be repaired properly, rather than just closed with filler that would crack again.
On another ceiling the plaster had fallen off, leaving the concrete and its bars exposed. Every exposed bar got a red protective coat so it wouldn't keep rusting, and the surface was built back up with repair mortar. Then it was filled, smoothed and painted, so it doesn't stand out from the rest of the ceiling.
Keep in mind: the repair only lasts if the water that caused the rust is stopped. If the bars have thinned a lot, if the damage covers a large area, or if it is on a beam, a column or a balcony, a structural engineer needs to see it first. And if pieces are falling, keep the area underneath clear.
Jobs that show it

Ceiling Crack Repaired and Bedroom Repainted
A crack in the ceiling had reached the steel reinforcement. It was repaired and the room was painted again.
See the job step by step
Ceiling Repair Over Exposed Steel Bars
The ceiling plaster had fallen away and the steel bars were showing. The bars were protected, and the ceiling was built back up and painted.
See the job step by step