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All about Star Health Insurance and Plans
Star Health Insurance
Star Cardiac Care
Dedicated to your heart, the Star Cardiac Care plan can be bought for ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
850+
Pan India presence
99.06%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,756 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
✅ 99.06% claim settlement
About Star Cardiac Care
A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.
Medical insurance designed specially for heart patients.
Star Health Cardiac Care Health Insurance plan is the perfect medical policy for individuals with pre-existing heart ailments. This disease-specific health insurance provides custom-made solutions to cater to the specific needs of cardiac patients in case of cardiac and non-cardiac ailments. With its wide coverage and affordability, the plan is one of the best health insurance for heart patients.
The Cardiac Care plan offered by Star Health Insurance is available in two variants: Silver and Gold. The Silver variant of Star Health Cardiac Care includes coverage for surgical and interventional management. Under the Star Health Cardiac Care Gold variant, the medical management of cardiac treatments along with the basic benefits are covered.
The coverage under Star Health Insurance for heart patients is provided in four sections:
Section 1: Hospitalization cover for Cardiac & non-cardiac ailments
Section 2: Hospitalization cover for Cardiac Ailments
Section 3: Cover for Outpatient Medical Expenses
Section 4: Personal accident cover for Accidental Death (equal to the opted SI)
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
10 years to 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹3 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1 | 2 | 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Flexible Product
- Personal Accident Cover
- 2 Plan Variants
- Road Ambulance
- Day Care Procedures
Cons
- 10% Co-Payment
- PED
- Cosmetic Surgery
- Obesity Treatment
- Change of Gender Treatments
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Not covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Not covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Applicable
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Star Health Insurance Plan Detailed Review
Star Health Insurance Network Hospital List
Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Every health plan has a certain list of treatments and diseases that are not covered. Check out the list of exclusions under the Health Insurance for Cardiac Patients:
- Permanent diseases or health conditions not included under the Star Cardiac Care Insurance policy are:
- War-related injuries
- Cosmetic or Plastic Surgery
- Injuries resulting from a suicide attempt
- Indulging in alcohol and drug abuse
- Gender Change treatments
- Certain diseases and treatments are covered under this plan after a specific time period. Read the details below:
- Listed ailments after 24 Months
- Pre-existing diseases after 48 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: - 10 Years
- Max Entry Age: - 65 Years
- SI: - 3 L to 4 L
- Waiting Period: - 30 Days
Other features & benefits
- Personal Accident Cover
- Heart Transplantation
- OPD expenses Cover
- Modern Treatment Cover
- COVID-19 Cover
- Cataract Cover
Star Cardiac Care: FAQs
The 7 most-asked questions about Star Cardiac Care, answered.
Along with all the mentioned coverage and benefits, Star Health Cardiac Care Gold covers surgical intervention and medical management, whereas, Star Health Cardiac Care Silver only covers the surgical intervention.
You are eligible to buy Star Cardiac Care insurance policy if you are between the age of 10-65 years, and have Undergone PTCA (Stenting) or CABG (By-pass) procedure (within 7 years period prior to proposal) or Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or Patent Ductus Arteriosus (PDA) that has been treated or Undergone RF Ablation to correct the underlying cardiac condition or Had an Angiogram done but no intervention was medically found necessary
No. You do not need to undergo a pre-acceptance medical check-up to buy Star Cardiac Care Plan.
Yes, you can pay your premium in installments under the Star Cardiac Care policy. The plan allows you to pay your premiums Quarterly, Half-yearly, Annually, Biennially, Triennially.
In case of an unfortunate event of your accidental death, the policy will pay your family the amount equal to your chosen sum insured.
Yes, the policyholder is eligible to avail of tax benefits under Section 80D of the Income Tax Act for paying premiums of Star Health Cardiac Care.
No, you need to wait till 90 days to avail of hospitalization coverage against cardiac ailments.
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