Star Cardiac Care Insurance Plan

Star Cardiac Care Insurance Plan is specially designed for individuals having existing cardiac diseases. Available in both silver and gold plans, the policy covers hospitalization expenses for accident and non-cardiac treatments as well. Cover for out patient benefit and personal accident death cover is available at no additional cost.

Features & Benefits of Star Cardiac Care:

Entry age Minimum age: 10 years Maximum age: 65 years
Renewal Lifelong renewal
Grace period for renewal 30 days from the date of expiry of the policy
Policy Term One year
Sum Insured Minimum: 3 lacs, Maximum: 4 lacs
  • Individuals from the age of 10 to 65
  • Individuals who have undergone By-pass or Stenting procedure within 7 years prior to proposal or Atrial Septal Defect or Ventricular Septal Defect that has been corrected or Patent Ductus Arteriosus (PDA) that has been or undergone RF Ablation to correct the underlying cardiac condition or had an angiogram done but no intervention was medically found necessary.
Type of plan Individual
Variants There are two types of plans:
  • Gold plan
  • Silver plan
  • Covers hospitalisation charges incurred due to illness or accidental injury
  • Covers hospitalisation charges for surgery due to cardiac complications
  • Only the Gold plan covers Cardiac Medical Management
Key features
  • Coverage for both in-patient and out-patient treatment under one policy
  • Pre-existing diseases are covered after 48 months of continuous insurance
  • All applicants need to undergo pre-acceptance medical screening
  • Lifelong renewability
  • Pre hospitalisation and post hospitalisation charges are covered
  • 101 day care treatments
  • Hassle free claim settlement
  • The Sum Insured amount can be increased at the time of renewal
Tax benefits Tax benefits under section 80D of the Income Tax Act
Free look period A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied they can seek cancellation of the policy and in such event the company will allow refund of premium after adjusting the cost of the expenses incurred at the time of availing the policy.
  • Any illness diagnosed within 30 days of inception of the policy is not covered
  • 2 years standard exclusion for ailments such as hernia, cataract, piles, kidney stones, sinus, knee replacement and more
  • 10% copay if you enter the policy at the age of 61 and more
  • Investigative treatments
  • Cosmetic surgery
  • Naturopathy treatment
  • Preexisting diseases other than cardiac related diseases will be covered from the 5th year

Read terms, conditions and exclusions mentioned in the policy document.

Find cashless network hospitals nearby: Star Health Network Hospitals

Other Health Insurance Plans from Star Health Insurance:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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