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Star Cardiac Care Insurance Policy

  • This policy is for persons who have undergone for the first time the named surgery / intervention / correction for the existing Cardiac diseases
  • This policy has two Plan options – Gold Plan and Silver Plan
  • Under both the Plans hospitalization expenses for non cardiac diseases and accidents are covered under Section 1
  • Under Section 2: Gold Plan covers both medical management and surgical/interventional management for cardiac related diseases while Silver Plan covers only Surgical / Interventional management.
  • Out Patient Benefit is available under both plans
  • Personal Accident Death Cover is available under both plans


Recharge Benefit

Policy Benefits: (Applicable for Both Silver Plan and Gold Plan)
Section 1: Hospitalization cover
  • Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs. These expenses include room, nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees, Oxygen, Blood,Operation Theatre, Diagnostics, imaging modalities , Cost of Medicines and Drugs.
  • Ambulance charges for emergency transportation to hospital as per specified limits.
  • Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post-hospitalisation expenses incurred up to 7% of the hospitalization expenses subject to a maximum of Rs.5,000/- per hospitalization
  • All Day-care treatments covered
  • Pre-Existing Diseases / Illness are covered after 48 months of continuous coverage
Section 2: Cardiac Section

After a waiting period of 90 days, this policy covers treatments relating to Cardiac diseases. This waiting period will not apply for renewals.

Section 3: Out-Patient Expenses

Expenses reasonably and necessarily incurred at any Networked Facility in India herein defined as an Out-patient Treatment, provided policy is in force


The limit of benefit under this Section is Rs.500/- per event subject to a maximum of Rs.1500/- per policy period. This benefit forms part of the Sum Insured.

Section 4: Personal Accident

If at any time during the Period of Insurance, the Insured Person shall sustain any bodily injury resulting solely and directly from an Accident caused by external, violent and visible means and if such accident causes death of the Insured Person within 12 Calendar months from the date of Accident, then the Company will pay the Sum Insured mentioned in the schedule as compensation



  1. Geographical Scope: The insurance cover under Section 4 applies Worldwide
  2. The sum insured for  Personal Accident is equal to  Sum Insured opted for  this policy

Cataract Sublimits (Applicable for Section 1 only): Expenses for treatment of Cataract are payable up to Rs.20,000/- per hospitalization and Rs.30,000/- for the entire policy period.

Waiting period: (Applicable for both Plans)
Section 1:
  • 30 days (Not applicable for Accidents)
  • 24 months for specified illness/ diseases.
  • 48 months for treatment of Pre existing diseases
Section 2: 90 days


Co-Payment: 10% of each and every claim amount for insured persons beyond 60 years of age at entry level and renewals thereafter.(Applicable for Section 1 only)


Pre-Acceptance Medical Screening: No pre-acceptance medical screening. However the proposer has to submit all the past medical records of the person proposed for insurance.


Exclusions: Please refer to policy terms and conditions for complete information about exclusions


Any person between 10 years and 65 years of age, who has

  1. undergone PTCA (Stenting) or CABG (By-pass) procedure (within 7 years period prior to proposal) or
  2. Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD) that has been corrected or
  3. Patent Ductus Arteriosus (PDA) that has been treated or
  4. Undergone RF Ablation to correct the underlying cardiac condition or
  5. Had an Angiogram done but no intervention was medically found necessary

Policy Tenure: One year


Sum Insured options : Rs.3,00,000/- and Rs.4,00,000/-


Sum Insured Type: Individual

General Terms

Tax Benefits:

Amount paid by any mode other than by cash for this insurance is eligible for relief 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 by the insured is available to the insured to review the terms and conditions of the policy. In case the insured is not satisfied with the terms and conditions, the insured may seek cancellation of the policy and in such an event the Company may allow refund of premium paid after adjusting the cost of pre-medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.


Free look Period is not applicable at the time of renewal of the policy


Renewal: Lifelong renewal


Grace Period for renewal: 30 days from date of expiry of policy.


NOTE: Renewal premium, terms and conditions are subject to change with prior approval from IRDAI.


Revision of Sum Insured: Option to Reduce or enhance sum insured is permissible at the time of renewal subject to approval of the Company.

Star Advantage

  • No Third Party Administrator, direct in-house claim settlement.
  •  Faster and hassle-free claim settlement.
  •  Cashless hospitalisation.
  •  Network of more than 9300+ hospitals across India.


NOTE: The benefits mentioned herein are only an outline of the policy. For details please contact your nearest Star Health Office or call toll free no 1800 425 2255/1800 102 4477.

Premium Chart

Premium Rating (Rs.) EXCLUDING TAX
Sum Insured (Rs.) 3,00,000/- 4,00,000/-
Plan/Age Band in Yrs Silver Plan Gold Plan Silver Plan Gold Plan
10-60 yrs 14095 18790 16110 21475
61-65 yrs 16210 21610 18525 24695
For Renewals only
66-70 yrs 18640 24850 21300 28400
71-80 yrs 20505 27335 23430 31240
Above 80 22555 30070 25775 34365
Premium Rating (Rs.) INCLUDING TAX @ 18%
Sum Insured (Rs.) 3,00,000/- 4,00,000/-
Plan/Age Band in Yrs Silver Plan Gold Plan Silver Plan Gold Plan
10-60 yrs 16632 22172 19010 25341
61-65 yrs 19128 25500 21860 29140
For Renewals only
66-70 yrs 21995 29323 25134 33512
71-80 yrs 24196 32255 27647 36863
Above 80 26615 35483 30415 40551
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