Star Cardiac Care Policy
  • When and How to Buy
  • Key Features of Star Cardiac Care
  • Inclusions & Exclusions of the Plan

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Star Cardiac Care Insurance Policy

Star Cardiac Care Health Insurance plan is specifically designed to cover your cardiac ailments and is one of the best health plans for individuals with pre-existing heart ailments.

This disease-specific health insurance plan is a custom-made solution that caters to your specific ailment needs. Furthermore, the plan comes in two variants- Gold & Silver, which allows the policyholder to choose the most suitable one as per their needs & requirements.

Eligibility Criteria Of Star Cardiac Care:

  • Any individual aged between 10 and 65 years are eligible to buy this plan.
  • Those who have undergone any of the following heart ailments:
    1. Percutaneous Transluminal Coronary Angioplasty (PTCA) (Stenting) or Coronary Artery Bypass Graft Surgery (CABG) (By-pass), etc. within 7 years period before proposal
    2. Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected
    3. Patent Ductus Arteriosus (PDA) that has been treated
    4. RF Ablation or RF Ablation done to correct the underlying cardiac condition
    5. Had an Angiogram done but no intervention was medically found necessary.

Key Features & Benefits Of Star Cardiac Care Health Insurance Plan

Sum Insured Rs. 3 Lakhs to Rs. 4 Lakhs
Policy Tenure 1 Year/2 Years/3 Years
Renewability Lifelong
Variants Available Silver & Gold
Pre-Acceptance Medical Screening Not Required
Hospitalization Expenses1. Covers hospitalization charges incurred due to illness or accidental injury
2. Covers hospitalization charges for surgery due to cardiac complications
3. Only the Gold plan covers Cardiac Medical Management
Day Care Expenses All Day-care treatments are covered
Pre-Hospitalization Expenses Covered up to 30 days
Post-Hospitalization Expenses Covered up to 60 days
Co-Payment 10% of every claim made by an insured person
**Applicable to those whose age at the time of entry is 61 years and above
Cataract Sublimit Payable up to Rs. 20,000/- per hospitalization and Rs. 30,000/- for the entire policy period
Tax Benefits Available
Free-look Period 15 days
Grace Period For Renewal 30 days from the date of expiry of the policy
Waiting Period1. Expenses incurred to treat an illness within 30 days from the policy inception date are excluded (Not applicable for Accidents)
2. Expenses related to the treatment of the listed Conditions, surgeries/treatments are excluded till the completion of 24 months of continuous coverage
3. 48 months for treatment of Pre-existing diseases
4. 90 Days for availing treatments for cardiac ailments

**Last Updated on 01-04-2021

What Is Not Covered Under Star Cardiac Care Insurance Policy?

  • Intentional self-injury such as suicide attempts, overconsumption of alcohol, drugs, etc.
  • Cosmetic or plastic treatment.
  • Mental and behavioral disorders.
  • War injuries or any other injury while indulging in any adventurous activity.
  • Unconventional and untrusted therapies.

To go through the complete list of exclusions, refer to the policy brochure of Star Cardiac Care.

Star Cardiac Care Insurance Policy Premium

Refer to the below table and graph to get an idea of the premium amount you need to pay under this policy with both the sum insured options for 1 year:

For 3 Lakhs:

Age Band Plan Variants
Silver Gold
10-60 years 16,632 22,172
60-65 years 19,128 25,500

**Last Updated on 01-04-2021

Premium Chart of Star Cardiac Care With The Sum Insured of Rs. 3 Lakhs

Graph showing the premium payable by an individual for Star Cardiac with the SI of Rs. 3 Lakhs

For 4 Lakhs:

Age Band
Plan Variants
Silver Gold
10-60 years 19,010 25,341
60-65 years 21,860 29,140

**Last Updated on 01-04-2021

Premium Chart of Star Cardiac Care With The Sum Insured of Rs. 4 Lakhs

Graph showing the premium payable by an individual for Star Cardiac with the SI of Rs. 4 Lakhs

How To Buy Star Cardiac Care?

Follow the steps below and buy your policy the right away:

Step 1: Visit the official website of Star Health Insurance company and click on the 'Plans'.

Step 2: Select 'View All Plans' from the drop-down menu.

Step 3: Scroll down and find 'Star Cardiac Care' and click on Buy Now option.

Step 4: Fill in all the necessary details such as your name, date of birth, contact information, policy tenure, and variant you want to buy.

Step 5: Choose the coverage amount, and the page will show you the payable premium amount including all the taxes.

Step 6: Pay the premium online and the policy will be mailed to your registered email address.

You can also buy this plan from Just connect with our experts via call (1800-4200-269) and they will guide you through the buying process.

What Is The Claim Process Of Star Cardiac Care Insurance Plan?

The company offers a hassle-free and customer-friendly claim settlement process to avoid any further tensions at the time of a medical emergency. Have a look at the below steps to get an idea of how you can file a claim:

For Cashless Claims:

  • Get admitted to one of the network hospitals of Star Health and inform the company (1800 425 2255/1800 102 4477 or e-mail us at
  • Reach out to the hospital reception and show your Star Health ID card for identification.
  • Download and submit the pre-authorization form.
  • The form will then be processed further for verification by the company's assigned doctors. If required, an assigned field doctor may visit the patient at the hospital.
  • After discharge, the claim document will be sent to the company by the hospital and the amount will be settled (on approval).

Reimbursement Claim Settlement Process

  • All claims need to be intimated within 24 hours of hospitalization. Treatment can be taken at a non-network or network hospital of the company.
  • Avail treatment, settle all the bills, and file a claim for reimbursement.
  • Submit all the required documents like hospital bills, pharmacy bills, together with all the original documents of treatment and the claim form to the company within 15 days of the discharge.
  • After successful verification, the company will process the claim, and you will receive the amount in your registered bank account.

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Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (77 Total Rating)

March 20, 2021

Donavin Menezes

Good system of online Digital transactions to obtain my policy with proper guidance from staff at Policy X

March 16, 2021

Murari Lal Agiwal

In my review dated 13-03-2021, Due to my mistake i wrote very bad experience, actually these refdunds(difference amount

March 16, 2021

Murari Lal Agiwal

In my review of dated 13-03-2021, i wrote very bad experience, but actually these refunds ( difference amount

March 4, 2021

Mohit Agnihotri

Happy with the services provided by policy x as well as star health..looking for same service for future as well.

March 4, 2021


We have taken the policy for my parents in law. I have tried in other companies also but no one was able to make a good deal. So I choose star from the agent rohit mehra he assited us and he was very patience and accurate. Now we got the policy. Star gave the coverage and rohit guided us. Very nice service of both the companies. Best wishes to Rohit if from rohit

Last updated on 01-04-2021

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