Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
Network hospitals
14000+
Incurred claim ratio
65%
Sum insured
Up to 2 CR
No. of Plans
24
Solvency Ratio
2.0
Pan India Presence
850+
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 Health Insurance Plan Detailed Review
All about Star Health Insurance and Plans
Take a look below to explore the Star Cardiac Care Insurance policy specifications and understand the plan and its works in a better way:
10 years to 65 years (persons having pre-existing cardiac issues)
3 Lakhs to 4 Lakhs
1 | 2 | 3 Years
Lifelong
Silver & Gold
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.
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:
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 750/ hospitalization
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Not Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Co-payment
10% of claim amount
Sub-limits
Applicable
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
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
AYUSH Treatment
Not Covered
IVF Treatment
Not Covered
Modern Treatment
Covered up to the specified limits
Ambulance
Covered up to 750/hospitalization
Air Ambulance
Not available
Compassionate Travel
Not available
Global Coverage
Not available
E-Consultation
Not available
Health Check-Up
Not Covered
Second Medical Opinion
Not available
Vaccination
Not Covered
Co-payment
10% of claim amount
Sub-limits
Applicable
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:
Coverage status under Star Cardiac Care?
Under this plan, a policyholder can get coverage for room rent up to 5K per day.
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Star Cardiac Care?
Not covered
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.
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.
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.
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.
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.
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.
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.
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
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
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.
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.
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.
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:
Coverage status under Star Cardiac Care?
Newborn baby expenses are not covered under this plan.
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
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Coverage status under Star Cardiac Care?
Not covered
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.) | 3L | 4 L |
Treatment / procedure | Limit per person, per policy period for each treatment / procedure Rs. | |
Uterine Artery Embolization and HIFU | 37.5K | 1 L |
Balloon Sinuplasty | 15K | 40K |
Deep Brain Stimulation | 75K | 2 L |
Oral Chemotherapy | 37.5K | 1 L |
Immunotherapy | 75K | 2 L |
Intra Vitreal injections | 15K | 40K |
Robotic surgeries | 75K | 2 L |
Stereotactic Radio Surgeries | 75K | 1.75 L |
Bronchial Thermoplasty | Up to Sum Insured | |
Vaporization of the prostate (Green laser/Holmium laser) | ||
Intra Operative Neuro Monitoring | ||
Stem Cell Therapy | 75K | 2 L |
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.
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
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
Any kind of medical/health emergency when you are outside of India.
Coverage status under Star Cardiac Care?
Not available
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
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
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
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Star Cardiac Care?
Not available
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.
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.) | 3L | 4 L |
Treatment / procedure | Limit per person, per policy period for each treatment / procedure Rs. | |
Uterine Artery Embolization and HIFU | 37.5K | 1 L |
Balloon Sinuplasty | 15K | 40K |
Deep Brain Stimulation | 75K | 2 L |
Oral Chemotherapy | 37.5K | 1 L |
Immunotherapy | 75K | 2 L |
Intra Vitreal injections | 15K | 40K |
Robotic surgeries | 75K | 2 L |
Stereotactic Radio Surgeries | 75K | 1.75 L |
Bronchial Thermoplasty | Up to Sum Insured | |
Vaporization of the prostate (Green laser/Holmium laser) | ||
Intra Operative Neuro Monitoring | ||
Stem Cell Therapy | 75K | 2 L |
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.
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 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
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
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.
Age Group | Sum Insured (in Rs.) | |
3 Lakhs | 4 Lakhs | |
10-60 years | 16,662 | 19,010 |
60-65 years | 19,182 | 21,860 |
Age Group | Sum Insured (in Rs.) | |
3 Lakhs | 4 Lakhs | |
10-60 years | 22,172 | 25,341 |
60-65 years | 25,500 | 29,140 |
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:
Comprehensive
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
Comprehensive
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
Youth-specific
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
Standard
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
Comprehensive
A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.
Unique Features
Flexible
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
Individual Plan
A unique health plan for individuals above the age of 50 years with no upper age entry limit. The plan comes with a high SI.
Unique Features
Women Care
A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.
Unique Features
Senior Citizen
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Top-up
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
Critical Illness
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
Care Policy
A unique plan designed for cardiac care with a wide range of sum-insured options and flexible payment options
Unique Features
Affordable Plan
It is designed to care for your incidental expenses such as travel, food, etc. that are not covered under your Health Insurance Policy in the event of Hospitalization.
Unique Features
Cancer care
Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)
Unique Features
Autism Spectrum Disorder
Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.
Unique Features
Individual Plan
An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.
Unique Features
Individual Plan
An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.
Unique Features
Individual Plan
An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.
Unique Features
Individual Plan
Special Care Gold is a special product tailored specifically for individuals with disabilities and those who are HIV/AIDS positive.
Unique Features
COVID-19
This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.
Unique Features
COVID-19
It covers the cost of hospitalization if the policyholder tested positive for COVID-19.
Unique Features
COVID-19
This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.
Unique Features
Accident Plan
A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.
Unique Features
Individual Plan
A specified plan for Type 1 or Type 2 Diabetes with flexible plan options. Offers automatic sum restoration with accident cover.
Unique Features
Platinum Plan
A cancer oriented policy which offers all-round protection and covers the high medical bills of the disease.
Unique Features
Critical Plan
A critical illness policy providing lump sum benefit on diagnosis of Critical illnesses related to Cancer, Heart, Brain & Nervous System, and Major Organs.
Unique Features
Critical Plan
A truly smart health plan launched by Star Health Insurance offering tailored healthcare solutions with a high sum insured of up to INR 1 crore.
Unique Features
Protection Plan
Star Extra Protect is an add-on Cover that enhances the limits of existing covers in addition to offering new features to the base policy
Unique Features
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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
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.
Tanya Asthana
Mysore
March 18, 2024
PolicyX provided valuable educational resources that helped me understand complex insurance terminology and different coverage options. This information was crucial in making an informed decisi...
Shipra Grover
Coimbatore
March 14, 2024
The customer care team is fabulous at PolicyX.com, they’ve kept their promise. I was stuck in claim settlement, buy they made my Star Health claim process as smooth as a cakewalk. Well do...
Saheb Dutta
Lukhnow
March 14, 2024
My wife met with an accident and needed urgent help and care. But, having a Star Accident Guard policy helped with all her medical care. Later PolicyX helped with the entire claim process. I am...
Drona Arya
Hyderabad
March 14, 2024
I wasn’t expecting much from an online insurance comparison tool, but PolicyX pleasantly surprised me. I found Star Health Insurance the best plan for me and my family.
Gurtej Dhillon
Kanpur
March 14, 2024
My whole experience with the Star Assure Health Policy that I bought from PolicyX.com last year is good so far.
Kajal Shahni
Jaipur
March 14, 2024
One of my friends who works at PolicyX.com told me about Star Assure Health Insurance Policy, I’m happy with the coverage benefits that it provides. I’m relieved that my family is s...
Patvinder Singh
Delhi
March 14, 2024
I have Star Assure Health Insurance which gives health wellness program to my family. I’m thankful for the best health insurance recommendation by the team of PolicyX.
Kamal Jain
Agra
March 14, 2024
I bought Star Assure Health Insurance for my family and it was so convenient to revise all the terms and conditions of the policy. All thanks to the customer care of PolicyX.com.
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