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Star Cardiac Care Health Insurance

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Star Health Insurance
Cardiac Care
Cashless Approval TAT90% Cashless claim settlement within 2 hrs
Claim Settlement Ratio89.90%
Network Hospitals14,000+
Pre-existing Disease Waiting Period1 year
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs SIRs. 410/month

About Star Cardiac Care Health Insurance

Star Cardiac Care is a health insurance program that focuses on covering cardiac and non-cardiac treatments. This insurance plan is an excellent option for those who have undergone some heart disease-related medical treatment. Star Cardiac Care is a unique product that is specifically designed for individuals between the ages of 10 and 65. There are two variations of the Star Cardiac Care Health Insurance plan: Silver and Gold. The cardiac care insurance policy includes benefits such as surgical and non-surgical treatments, coverage for advanced medical procedures, outpatient care, and a personal accident benefit that covers accidental death. These claims are, however, subject to the sum insured.

Key Features of Star Cardiac Care Health Insurance Plan

The critical features of Star Cardiac Care Health Insurance Plan are listed below:

  • Star Cardiac Care Health Insurance policy is tailored for individuals aged 10 to 65 with a history of cardiac ailments.
  • The policy covers surgical and non-surgical treatments for cardiac and non-cardiac ailments; cardiac ailments are covered after 90 days.
  • Policyholders have the option to choose from one, two, or three-year terms.
  • The sum insured options under this policy are Rs. 3,00,000 and Rs. 4,00,000.
  • The policy offers worldwide personal accident coverage for accidental death during the policy period.
  • Star Cardiac Care Insurance Policy covers necessary outpatient expenses at Network Hospitals in India, as per policy limits.
  • You will get the premium payment flexibility with quarterly, half-yearly, annual, biennial (once in 2 years), and triennial (once in 3 years) options.

Variants of Star Cardiac Care Insurance Policy

The Star Cardiac Care Insurance Policy is available in two different plans:

  • Gold Plan: This plan provides coverage for both surgical intervention and medical management.
  • Silver Plan: The Silver Plan offers coverage exclusively for surgical intervention.

The coverage provided by this policy comprises:

Section 1: Coverage for Accidents and Non-Cardiac Ailments

Section 2: Coverage for Cardiac Ailments

Section 3: Benefits for Outpatient Services

Section 4: Personal Accident Coverage, which may or may not result in death

Eligibility Criteria of Star Cardiac Care Health Insurance Plan

Listed below are the eligibility criteria for the Star Cardiac Care health insurance plan:


Eligibility Criteria

Minimum entry age

10 years

Maximum entry age

65 years

Policy duration

1,2, or 3 years

Sum insured

Rs.3,00,000 and Rs.4,00, 000

Benefits of Star Cardiac Care Health Insurance Plan

Some of the benefits of buying Star Cardiac Care health insurance plan:

  • Comprehensive Cardiac Coverage: Star Cardiac Care offers wide coverage for cardiac ailments, ensuring financial protection in case of heart-related issues.
  • Choice of Plans: This health insurance policy offers both Gold and Silver plans, providing policyholders the flexibility to choose the level of coverage that suits their needs.
  • Coverage for Non-Cardiac Ailments: In addition to cardiac coverage, the plan includes coverage for non-cardiac ailments, offering well-rounded health protection.
  • Outpatient Benefits: Provides coverage for outpatient medical expenses, helping to manage healthcare costs effectively.
  • Personal Accident Coverage: Offers coverage for personal accidents, providing financial support in case of accidental injuries or death.
  • Cashless and Reimbursement Claims: The policy provides flexibility in claiming medical expenses with both cashless and reimbursement options.
  • Easy Renewal: With Star Cardiac Care health insurance policy, you get the benefit of hassle-free policy renewal for a lifetime, ensuring uninterrupted coverage.
  • Premium Flexibility: Various premium payment frequencies, including quarterly, half-yearly, annual, biennial, and triennial options, make this insurance policy convenient for policyholders.

Inclusions of Star Cardiac Care Health Insurance Plan

Below-mentioned are the inclusions of the Star Cardiac Care health insurance plan:

  • Pre and post-hospitalisation expenses
  • Daycare procedures, surgeries, and treatments
  • Cataract treatment
  • Pre-insurance medical screening

  • Personal accident coverage
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • Uterine artery embolization and HIFU
  • Oral chemotherapy
  • Immunotherapies - monoclonal antibody to be given as an injection
  • Balloon sinuplasty
  • Deep brain stimulation
  • Intra vitreal injections
  • Robotic surgeries
  • Vaporisation of the prostrate
  • ION M Intra Operative Neuro Monitoring
  • Stem cell therapy

Exclusions of Star Cardiac Care Health Insurance Plan

While the Star Health Cardiac Care Policy provides extensive coverage for both cardiac and non-cardiac ailments, it's important to note the following exclusions:

  • Diagnostic expenses unrelated to the current diagnosis and treatment are not covered.
  • Expenses for custodial care and services for terminally ill patients are excluded.
  • Gender change procedures are not covered.
  • Cosmetic/plastic surgeries are excluded.
  • Hospitalisation or treatment related to hazardous adventure sports/activities is not covered.
  • Expenses for treatment resulting from criminal activity are excluded.
  • Expenses for treating alcohol, drugs, and substance abuse are not covered.
  • Expenses for treating infertility are excluded.
  • Maternity expenses and expenses related to miscarriage are not covered (unless due to an accident).
  • Treatment for sexually transmitted diseases is excluded.
  • Bodily harm or disease arising from a war or war-like situation is not covered.

Documents Required to Buy Star Cardiac Care Health Insurance Plan

Some of the documents required to buy the Star Cardiac Care health insurance plan are as follows:

  • Duly filled application form
  • Identity proof (such as an Aadhar card, passport, voter ID, or driver's license)
  • Age proof (birth certificate, school leaving certificate, or passport)
  • Address proof (utility bills, rent agreement, or Aadhar card)
  • Passport-sized photographs
  • Medical reports or pre-policy health check-up reports, if required
  • Any other documents specified by the insurance provider during the application process

How to Buy Star Cardiac Care Health Insurance Plan?

Here are the steps to acquire the Star Cardiac Care health insurance plan through InsuranceDekho:

Step 1: Go to the Health Insurance section on the official InsuranceDekho website.

Step 2: Choose "Star Health Insurance" from the list of health insurance companies.

Step 3: Select "Star Cardiac Care" from the available health insurance plans.

Step 4: Thoroughly review the terms and conditions specified in the Star Premier policy document.

Step 5: Complete the KYC process by uploading all necessary documents.

Step 6: Once the KYC process is completed, make the premium payment online.

Step 7: You will get the policy document at your registered e-mail address

Claim Process of Star Cardiac Care Insurance Plan

Within the Star Cardiac Care health insurance plan, you have two options for making claims: cashless and reimbursement.

Cashless Claim

  • Visit a nearby hospital that is part of the Star Health insurance network.
  • Provide your Star Cardiac Care plan details at the hospital, along with any other required information.
  • After submitting all the necessary documents, they will be reviewed, and a pre-authorisation form will be sent to the insurance company.
  • Once the insurance company verifies the documents, the medical expenses will be directly settled at the network hospital.

Reimbursement Claim

  • For a reimbursement claim, you can choose any nearby hospital and pay for your medical expenses.
  • Submit the reimbursement claim request on the insurance company's website.
  • Provide the Star Cardiac Care claim form and all relevant plan details.
  • Upon approval of the claim request by the insurance company, the reimbursement will be processed for the policyholder.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Cardiac Care insurance policy provides coverage for cardiac ailments that other basic plans do not cover
  • Other than providing cover for basic hospitalization expenses, the Cardiac Care plan offers coverage for ambulance charges up to a specific limit
  • Death during personal accident only covered equal to the chosen sum insured
  • Covers outpatient expenses in networked facility. Rs.500 per event subject to a maximum facility of Rs. 1500 per policy period
  • Cardiac Care plan health insurance plan also covers pre and post hospitalisation cost as per the policy guidelines

What's Not Included

  • Any claim arising out of mental disorder, suicide or attempted suicide self-inflicted injuries, or sexually transmitted conditions, anxiety, stress, depression, etc.
  • War injuries, unconventional, untested, experimental therapies, admission charges, telephone charges, etc.
  • Hospital registration charges, admission charges, telephone charges and such other charges
  • Treatment required due to use of intoxicating substances, drugs, alcohol, smoking, and tobacco chewing, and others are not included
  • Intentional self injury, cosmetic, aesthetic treatment, psychiatric, mental and behavioral disorders, and others

9625 Star Cashless Network Hospitals in India

Cardiac Care User Reviews

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What users are saying
  • All
  • Star Health Insurance’s Cardiac Care policy purchase through the platform of InsuranceDekho has been effortles...

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    By Debarati Mukherjee
    On: Feb 26, 2021
  • Generating health quotes at InsuranceDekho is rapid. All I needed was to give some basic details of myself and...

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    By Krishna Ghosh
    On: Feb 11, 2021
  • The claim-settlement process on InsuranceDekho is remarkably hassle-free. All I needed to do the procedure is ...

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    By Suchandra Basak
    On: Feb 05, 2021
  • I have been a customer of InsuranceDekho for quite some time now and I am more than impressed with the way the...

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    By Prarthito Maity
    On: Jan 29, 2021
  • It is normal that each individual has different criteria regarding their choice of policies. InsuranceDekho gi...

    Read More
    By Sudhir Ganguly
    On: Jan 13, 2021

Star Cardiac Care Expert Review

  • Expert Review

    The trauma of surgery and the financial drain can be understood perfectly by those who have undergone one. You may be treated well but the thought of managing finances may still haunt you. So, understanding the need of the hour, Star Health has introduced a plan especially aimed at providing health protection to the heart patients.  

    Star Health’s Cardiac Care insurance policy provides coverage for cardiac illnesses that other basic plans usually don’t cover. It is an individual policy that can be purchased for a period of one year. The plan gives the individuals a choice to opt from two variants, namely, Gold Plan and Silver Plan. The sum insured options of Rs. 3 Lakh and Rs. 4 Lakh respectively make it more affordable for the buyer, as they can choose between these two variants according to their requirements. You can enjoy the benefits under this policy if you are aged between 10 years to 65 years and have undergone specific surgery/intervention/correction for the existing Cardiac diseases for the first time. 

  • Major Attractions

    In order to keep the policyholders covered with maximum protection, the plan offers the maximum coverage benefits to them. The policyholders do not have to pay even a single penny for these features under cashless hospitalisation. Some such benefits are listed below:

    • Cover for all the daycare procedures
    • Cover for outpatient medical expenses
    • Hospitalisation cover for accidents and non-cardiac ailments
    • Cover for hospitalisation expenses for cardiac ailments
    • Personal Accident cover for accidental death
    • Pre-hospitalisation expenses up to 30 days before hospitalisation
    • Post-hospitalisation expenses up to 60 days after discharge from the hospital
    • Room, boarding and nursing expenses subject to a maximum of Rs. 5,000 per day
    • Emergency ambulance charges up to Rs. 750 per hospitalisation and up to Rs. 1,500 per policy term
  • What’s More?

    Apart from the coverage and other benefits, the Cardiac Care Insurance Policy has a few added advantages that come along with the plan. You can enjoy the same at no extra cost.

    • Free look period of 15 days
    • Faster and hassle-free claim settlement
    • Cashless hospitalisation at the network hospitals
    • The policy offers the benefit of lifelong renewability
    • Tax benefits under Section 80D of the Income Tax Act 1961
  • Conclusion

    To conclude, Cardiac Care is a wonderful product of Star Health as it covers cardiac diseases at an affordable price which is rare in comparison to other plans. It offers great customer satisfaction too by providing all the benefits that basic health insurance provides.

    To buy the product online, you must opt for the online platform. There are some trusted health insurance brokers in the market like InsuranceDekho. It is the best option for you if you want to buy a health insurance policy without wasting much of your time and with lesser paperwork. Another benefit of buying it online is that here you fill your proposal form all by yourself without leaving a chance for anyone to edit or overwrite it, which is not the case in the offline process. So, just get online and grab the best deal for yourself and your loved ones.  

Star Cardiac Care Brochure

  • 174.89 KB
  • PDF Document
  • Apr 15, 2019

Claim Process at Star Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Cardiac Care Health Insurance Plan

  • What is the eligibility criteria for buying Star Cardiac Care plan?

    Any individual between 10 years and 65 years of age, who has 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 can buy Star Health Cardiac Care plan.

  • What is the policy tenure for Star Health Cardiac Care plan?

    The policy tenure for Star Health Cardiac Care plan is 1 year.

  • What are the sum insured options for the plan?

    For Star Health Cardiac Care plan, the sum insured options are Rs. 3,00,000 and Rs. 4,00,000.

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

    Yes, insured individuals are eligible for relief under Section 80D of the Income Tax Act in respect of the amount paid by any mode other than cash.

  • Does the plan come with Personal Accident Death Cover?

    Yes, Star Health Cardiac Care provides personal accident death cover under both, Gold and Silver plans.

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