Star Cardiac Care Platinum Plan: Benefits & Coverage | PolicyX
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Star Cardiac Care Platinum

The Star Cardiac Care Platinum plan is designed for individuals aged 7 ...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 · 2,761 reviews
🏥 14,000+ hospitals
📊 2.21 solvency ratio
99.06% claim settlement

About Star Cardiac Care Platinum

A quick read on what this Star Health Insurance plan covers and why it might be a fit for you.

The Star Health Cardiac Care Platinum plan is a long-term policy, offering coverage for 1, 2, or 3 years. It is designed for individuals aged 7 to 70 years who have been diagnosed with cardiac ailments. The plan provides comprehensive coverage with life-saving features, divided into three main sections:

  • Section 1: Accident and Non-cardiac Ailments
  • Section 2: Cardiac Ailments
  • Section 3: Out-Patient Benefits (including vaccination)

For instance, if a 53-year-old individual like Ms. Aneesha requires a heart transplant due to multiple cardiac ailments, this plan would cover the costs of organ harvesting and transportation, allowing her to focus on recovery without financial stress.

Explore further to understand the detailed features and benefits offered by this health plan.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
7 to 70 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L
Waiting period
30 days
Renewability
NA
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

  • Avail Heart Transplantation
  • Long Term Policy
  • Up to 15 L SI
  • Cardiac device cover
  • Installment options available

Cons

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

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 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 Covered
  • Automatic restoration of SI 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 Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Covered

Conditions & global

  • Co-payment Not Applicable
  • Sub-limits Not Applicable
  • 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 Plans 2025 | Star Health Insurance Review | Star Health Insurance Review 2025

Star Health Insurance Plans 2025 | Star Health Insurance Review | Star Health Insurance Review 2025

Looking for the best health insurance in 2025? In this video, we review Star Health Insurance Plans—one of India’s leading health insurers.

Benefits of Star Cardiac Care Platinum Plan

When you invest in the Cardiac Care Platinum Plan, you are eligible to avail of the following benefits:

  • Rehabilitation and Pain Management Coverage

    The plan covers expenses for rehabilitation, if availed at authorized centers on an in-patient or out-patient basis, and if there is an admissible claim as per the policy schedule.

  • Cumulative Bonus

    You are eligible for a cumulative bonus of 10% of the basic sum insured for each claim-free year, subject to a maximum of 100% of the basic sum insured.

  • Automatic Restoration

    The plan provides automatic restoration of the basic sum insured by 100% once, upon exhaustion of the coverage limit during the policy period.

  • E-Opinion for Cardiac Ailments

    Avail of the e-medical opinion facility from the company's expert panel. This medical opinion is provided based on submitted medical records without physically examining the patient.

  • Heart Transplantation

    All expenses for the harvesting and transportation of the heart by air or road are covered by the Star Cardiac Care Platinum plan.

Additional Benefits

Rehabilitation & Pain Management Covered up to 10% of the Sum Insured
Wellness Rewards Program Insured can avail premium discount up to 10% on renewal premium
Nutrition & Diet Consultation Available
Counselling (For Stress Management) Available
E-Pharmacy Available

How to Claim Star Cardiac Care Platinum Insurance?

To avail of claim settlement services, the insured individual must follow the process given below:

  • For assistance, call the 24-hour helpline at 044-69006900 or Toll-Free No. 1800 425 2255.
  • In case of planned hospitalization, inform 24 hours before admission to the hospital.
  • In case of emergency hospitalization, information is to be given within 24 hours after hospitalization.
  • In non-network hospitals, payment must be made upfront. You can file for reimbursement claims, which will be processed upon submission of documents, subject to the terms and conditions of the policy.

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.

Know More About Network Hospitals →

Sample premium

Indicative premium examples — your actual quote depends on age, declared medical history, sum insured and add-ons.

Premium Illustration for Star Cardiac Care Platinum Plan

Below are the annual premium calculations for the age group of 7 to 50 years, with different policy periods, including GST.

Policy Term - 1 Year

Sum Insured (in Rs.) 5 L 7.5 L 10 L 15 L
Premium Payable 26,538 31,848 36,621 42,120

Policy Term - 2 Years

Sum Insured (in Rs.) 5 L 7.5 L 10 L 15 L
Premium Payable 50,423 60,512 69,580 80,028

Policy Term - 3 Years

Sum Insured (in Rs.) 5 L 7.5 L 10 L 15 L
Premium Payable 73,644 88,379 1,01,624 1,16,883

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Investigation and evaluation purposes
  • Obesity/Weight Control treatments
  • Cosmetic surgery
  • Hazardous/Adventure sports-related injuries
  • Breach of Law, alcoholism, drug, or substance abuse
  • Unproven treatments
  • Sterility and infertility treatments

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 7 Years
  • Max Entry Age: - 70 Years
  • SI: - 5 L to 15 L
  • Waiting Period: - 30 Days

Other features & benefits

Summary

The Star Health Cardiac Care Platinum plan is a versatile health plan offering efficient medical care to both cardiac and non-cardiac patients. Its multiple benefits and features have been discussed in the sections above.

For any further information regarding Star Cardiac Care Platinum, contact our insurance experts at PolicyX.

Star Cardiac Care Platinum Plan: FAQs

The 5 most-asked questions about Star Cardiac Care Platinum, answered.

The plan is available to individuals for a policy term of 1/2/3 years.
The various sum insured options available to insured individuals under the Star Health Cardiac Care Platinum plan are 5 L, 7.5 L, 10 L, and 15 L.
Yes, Star Health Cardiac Care Platinum covers OPD expenses with sub-limits of INR 2,500, INR 3,000 INR 3,500, and INR 5,000 respectively.
No, the Star Cardiac Care Platinum health plan does not offer AYUSH treatments.
No, the Star Health Cardiac Care Platinum plan does not offer maternity benefits.

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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