Star Cardiac Care
  • Tailored Plan for Cardiac Patients
  • Coverage for Cardiac and Non-cardiac ailments
  • No Pre-acceptance checkup required
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Star Cardiac Care Insurance Policy

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 is available in two variants i.e. Silver and Gold. Silver variant of Star Health Cardiac Care includes coverage for surgical and interventional management. Under 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)

Star Cardiac Care Plan Specifications

Take a look below to explore the Star Cardiac Care Insurance policy specifications and understand the plan and its works in a better way:

Entry Age

10 years to 65 years (persons having pre-existing cardiac issues)

Sum Insured

3 Lakhs to 4 Lakhs

Policy Tenure

1 | 2 | 3 Years

Renewability

Lifelong

Variants Available

Silver & Gold

Initial Waiting Period*

30 Days

*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.

Read more specifications in the brochure.

Choose Your Star Cardiac Care

With the Star Cardiac Care Insurance policy, you can customize your plan as per your needs and requirements. In the next section, you can check what is covered under the two variants of this Health Insurance for Heart Patients:

In-patient & Out-patient coverage

Room Rent

Covered up to 5K per day

ICU Charges

Not Covered

Pre-Hospitalization

Covered up to SI for 30 days

Post-Hospitalization

Covered up to 60 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

All Daycare treatment covered

OPD Charges

Covered up to INR 500 per event

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered up to 20K/hospitalization

No Claim Bonus

Not available

Automatic Restoration

Not Available

Daily Hospital Cash

Not available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Covered up to the specified limits

Emergency Coverage

Ambulance

Covered up to 750/ hospitalization

Air Ambulance

Not available

Compassionate Travel

Not available

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Not Covered

Second Medical Opinion

Not available

Vaccination

Not Covered

Limitations

Co-payment

10% of claim amount

Sub-limits

Applicable

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Cardiac Care?

Under this plan, a policyholder can get coverage for room rent up to 5K per day.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Cardiac Care?

Not covered

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Cardiac Care?

This plan covers medical expenses of up to your selected SI for 30 days before your hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Cardiac Care?

This plan covers the medical expenses of up to 60 days after hospitalization. The amount payable cannot exceed up to 7% of the hospitalization expenses subject to a maximum of 5K per hospitalization.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Star Cardiac Care?

Under this plan, the domiciliary hospitalization is not covered.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Cardiac Care?

This plan covers all day care procedures.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Star Cardiac Care?

This plan covers the OPD charges of up to INR.500 per event, subject to a maximum of INR. 1500 per policy period.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Star Cardiac Care?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Cardiac Care?

This plan covers the cataract treatment up to 20K per hospitalization and up to 30K for the entire policy period.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Cardiac Care?

Not available

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Cardiac Care?

Not available

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Star Cardiac Care?

Daily hospital cash is not available under this plan.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Cardiac Care?

Organ donor cover is not available under this plan.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Star Cardiac Care?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Star Cardiac Care?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Cardiac Care?

Not covered

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Cardiac Care?

Not covered

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Cardiac Care?

SI (in Rs.)3L4 L
Treatment / procedureLimit per person, per policy period for each treatment / procedure Rs.
Uterine Artery Embolization and HIFU37.5K1 L
Balloon Sinuplasty15K40K
Deep Brain Stimulation75K2 L
Oral Chemotherapy37.5K1 L
Immunotherapy75K2 L
Intra Vitreal injections15K40K
Robotic surgeries75K2 L
Stereotactic Radio Surgeries75K1.75 L
Bronchial ThermoplastyUp to Sum Insured
Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy75K2 L
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Star Cardiac Care?

The plan covers the ambulance charges up to INR.750 per hospitalization and INR. 1500 per policy period.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Cardiac Care?

Not available

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Star Cardiac Care?

Not covered

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Cardiac Care?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Cardiac Care?

Not available

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Star Cardiac Care?

Not covered

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Star Cardiac Care?

Not available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Star Cardiac Care?

Not available

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Coverage status under Star Cardiac Care?

10% of co-payment applies to people above 60 for every claim.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Coverage status under Star Cardiac Care?

SI (in Rs.)3L4 L
Treatment / procedureLimit per person, per policy period for each treatment / procedure Rs.
Uterine Artery Embolization and HIFU37.5K1 L
Balloon Sinuplasty15K40K
Deep Brain Stimulation75K2 L
Oral Chemotherapy37.5K1 L
Immunotherapy75K2 L
Intra Vitreal injections15K40K
Robotic surgeries75K2 L
Stereotactic Radio Surgeries75K1.75 L
Bronchial ThermoplastyUp to Sum Insured
Vaporization of the prostate (Green laser/Holmium laser)
Intra Operative Neuro Monitoring
Stem Cell Therapy75K2 L

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 28 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Star Cardiac Care Plan Exclusions

Every Health plan has a certain list of treatments and diseases that are not covered under the plan. Check out the list of exclusions under the Health Insurance for Cardiac Patients:

Permanent Exclusions

Permanent diseases or health conditions that are not included under 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

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Listed ailments after 24 Months

Pre-existing diseases after 48 Months

Star Cardiac Care Premium

Refer to the below table and graph to get an idea of the premium amount you need to pay under this Star Health Insurance for heart patients. We have shown sample premiums for both variants with all available SI amounts based on 1 year policy term.

Star Cardiac Silver Plan

Age GroupSum Insured (in Rs.)
3 Lakhs4 Lakhs
10-60 years16,66219,010
60-65 years19,18221,860

Star Cardiac Gold Plan

Age GroupSum Insured (in Rs.)
3 Lakhs4 Lakhs
10-60 years22,17225,341
60-65 years25,50029,140

Explore Star Health Insurance

With policyX.com, you will not find yourself alone in any policy-related query. For any query related to the Cardiac Care policy of Star Health, we are just a phone call away:

Claim Process

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Buying Process

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Contact Us

Contact us to know more about Star Health Insurance.

Renewal Process

Click to know Star Health Insurance Renewal Process.

Explore other Star Health Plans

To cater to the different medical needs of an individual & their family, Star Health offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to explore more:

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Health Arogya Sanjeevani Policy

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered up to 50% of SI
  • 20% rural discount available

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Star Criticare Plus Insurance Policy

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage for Medicine and drugs cost

Star Diabetes Safe Insurance Policy

Designed specifically for diabetic persons. Hospitalization related to diabetes and non-diabetic problems is covered under this plan.

Unique Features

  • 30 days waiting period
  • Automatic restoration of Sum Insured
  • Outpatient Expenses

Star Health Gain Insurance Policy

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Medi Classic Insurance Policy (Individual)

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Star Special Care Policy

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Health Insurance Articles

Star Cardiac Care: FAQs

1. Why is the premium for the Star Cardiac Gold variant higher than Star Cardiac Silver, when the coverage & benefits offered are the same?

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.

2. What are the eligibility criteria for buying Star Cardiac Care Policy?

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

3. Do I need any medical tests before buying a Star Cardiac Care Insurance Policy?

No. You do not need to undergo a pre-acceptance medical check-up to buy Star Cardiac Care Plan.

4. Does Star Health Cardiac Care offer an installment facility to its customers?

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.

5. Will my family get anything if I die in an accident?

In case of an unfortunate event of your accidental death, the policy will pay your family the amount equal to your chosen sum insured.

6. Does Star Health Cardiac Care insurance policy come with tax benefits?

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.

7. Do I need to complete the waiting period to avail of hospitalization cover against cardiac ailments?

No, you need to wait till 90 days to avail of hospitalization coverage against cardiac ailments.

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June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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