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 designed to cover cardiac ailments for individuals with pre-existing heart conditions.

This disease-specific health insurance plan is a custom-made plan that 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 is 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 July, 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 a policy term of 1 year. In this instance, we have assumed a 25-year-old policyholder and indicated the premiums payable by her/him against the plan type chosen.

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 July, 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 July, 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

Buying Process

Star Health Insurance Buying Process

  • Visit the official website of the company and click on the 'Buy Now' tab.
  • Fill in all the necessary details.
  • Once you have selected the plan of your choice, make the premium payment.
  • Your policy document will be mailed to you at your registered email address.

We, at can provide a dedicated agent by your side during the claim settlement process. Below is its buying process.

  • Fill in the details in the 'Calculate Premium' form.
  • The next page will show all the available plans. Choose the best Star health plan and click on 'Buy Now'.
  • Pay the premium and your policy document will be shared with you on your registered email.

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

The company offers a customer-friendly claim settlement process to avoid any hassle 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.

Find Out What Customers Are Saying

(Showing latest 5 reviews only)

- 4.4/5 (120 Total Rating)

August 9, 2021

Kanchan Gupta


Thanks to PolicyX for guiding me through my Star health insurance purchase. I had my doubts but they were effectively put to rest.

August 5, 2021

Shakti Kapoor


Maine ye health insurance plan Liya star health se, aur Mujhe bahut acha respone mila company ki taraf se aur mujhe apna claim settle karane mai bhi jyada mehnat nahi karni padi, Is company ka claim settlement process bht asan hai aur PolicyX ne meri bht madat kari har jagah aur har information ke liye.

July 31, 2021

Pradeep Narayan Kushwaha


We purchase a policy.Policy P/161130/01/2022/053322.Our policy sell officer Miss Priya Pancholiya.she clear all policy doubt.She is a good advisor.

July 31, 2021

Rahul Yadav


Miss Priya Panchotiya (12807) is best employ of the We are helpful to your organisation and specially sales team.

July 26, 2021

ajay shah


It has been a great experience with sale as well aftermath personnels, of your organisation. They have define and help to core to add me as future loyal customer. Highly appreciate the efforts of Mr Dev k Singh and Rahul to close the deal very comfortably. Once again accept my best wishes to your company and especially the team as frontliner for tie up for our great future relationship and they do stand highest rank in professionalism.

Last updated on July, 2021

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