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Star Cardiac Plans

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Highlights
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

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Disclaimer : Actual Premium might vary basis your location, age and number of members

Health Insurance for Cardiac Patients by Star Health Insurance

Star Health Cardiac Care policy offers comprehensive benefits for those who have undergone the surgery, intervention, correction, etc. for the first time. It is for those who have existing cardiac disease. This health policy is available in two parts i.e. Silver and Gold Plan. The Silver plan provides the coverage only for interventional and surgical management, whereas the Gold plan offers medical management too, in addition to surgical and interventional management.

Key Features

  • Sum insured options are Rs. 3 Lakh and Rs. 4 Lakh
  • Lifelong renewability
  • Pre-existing diseases coverage after 48 months of a continuous cover
  • India's 1st health policy for persons who have undergone angioplasty or bypass surgery
  • The policy tenure for Star Health Cardiac Care plan is 1 year
  • No need for pre-acceptance medical screening to buy this policy
  • This plan comes with a 10% co-payment clause

Scope of Coverage

  • Both Silver and Gold plans cover the cost of hospitalisation subject to accidents and non-cardiac ailments
  • Outpatient benefits are covered under the policy
  • All daycare procedures are covered
  • Tax benefits under section 80D of the Income Tax Act
  • Coverage for 30 days of pre-hospitalisation expenses and 60 days of post-hospitalisation expenses
  • Emergency ambulance charges coverage up to Rs. 750 per hospitalisation and Rs. 1,500 per policy period
  • The Gold variant of this plan offers coverage for Cardiac Medical Management
  • The policy also provides personal accident death cover under both Gold and Silver plans

Eligibility

Anyone between the age group of 10 years and 65 years is eligible to buy Star Health Insurance Cardiac Care policy.

Exclusions

  • Treatment of mental illnesses
  • Treatment of diseases caused by AIDS, HIV or related complications
  • Cost of spectacles, dental treatment, contact lenses
  • Expenses incurred on birth control procedures
  • War, strike, riot, nuclear weapons induced hospitalisation

For a detailed list of exclusions, please refer the policy wording or call our toll-free number 1800-120-5698.

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

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Star Health Insurance Contact Details

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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.

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Star Cardiac Cover FAQs

  • What is the policy tenure for cardiac plan of Star Health?

    The policy tenure is 1 year for cardiac plan of Star Health.

  • What are the sum insured options available under the plan?

    The sum insured options under the cardiac plan are Rs. 3,00,000 and Rs. 4,00,000.

  • Does Star Cardiac Care plan offers tax benefits?

    Yes, the insured is eligible for tax benefits under Section 80D of the Income Tax Act in respect of the premium paid by any mode other than cash.

  • Is there Personal Accident Death Cover available under the plan?

    Yes, the cardiac plan of Star Health comes with Personal Accident Death Cover under both, Gold and Silver plans.

Network Hospital in Popular Cities

CityNo of Hospital
Noida22
Faridabad58
Chennai225
Mumbai155
Surat41
New Delhi225
Hyderabad224
View All