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Star Cardiac Care Insurance Policy
The Star Cardiac Care Insurance Policy is specifically designed for individuals with a history of cardiac ailments. This comprehensive policy offers coverage for both surgical and non-surgical treatments related to cardiac and non-cardiac conditions. It includes benefits such as inpatient hospitalisati
IRDAI UIN: SHAHLIP22032V052122
HIGHLIGHTS
Plan Essentials
Unique Product
Specially designed policy for individuals aged between 10 and 65 years who have a history of cardiac ailments.
Flexible Cover
This Policy covers surgical and non-surgical treatments for cardiac and non-cardiac ailments. Cardiac ailments are covered after 90 days.
Policy Term
This policy can be availed for a term of one, two or three years.
Sum Insured
The Sum Insured options under this policy are Rs. 3,00,000/- and Rs. 4,00,000/-.
Personal Accident Cover
Worldwide personal accident cover is provided in case of death due to accidents during the policy period.
Outpatient Cover
Reasonably and necessarily incurred outpatient expenses at Network Hospitals in India are covered up to the limits mentioned in the policy clause.
Instalment Options
The policy premium can be paid on a quarterly or half-yearly basis. It can also be paid on an annual, biennial (once in 2 years) and triennial (once in 3 years) basis.
Detailed List
Understand what’s included
SECTION I - Accident & Non-Cardiac Ailment
In-patient Hospitalisation
Hospitalisation expenses incurred for a period of more than 24 hours on account of illness, injury or accidents are covered.
Pre-Hospitalisation
In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation
Post-hospitalisation medical expenses incurred up to 60 days from the date of discharge from the hospital are covered up to 7% of the hospitalisation expenses subject to the maximum of Rs. 5000/- per hospitalisation.
Room Rent
Room, boarding and nursing expenses incurred during in-patient hospitalisation are covered up to 2% of the Sum Insured subject to the maximum of Rs. 5000/- per day.
Road Ambulance
Ambulance charges are covered up to Rs. 750/- per hospitalisation and Rs. 1500/- per policy period for transportation of the insured person to the hospital by private ambulance service.
Day Care Procedures
Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Modern Treatment
Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
Cataract Treatment
Expenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.
Co-Payment
If the insured person purchases or renews the policy at 61 years of age or above, then he/she is subjected to the co-payment of 10% for each and every claim amount.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.
SECTION II - Cardiac Ailments
Cardiac Ailments (Surgical /Interventional Management, Medical Management)
All the features mentioned in Section I will be covered along with cardiac related complications that requires in-patient hospitalisation in Gold Plan under this policy.
Cardiac Ailments (Only Surgical /Interventional Management)
All the features mentioned in Section I will be covered along with cardiac related complications that requires surgery or intervention in Silver Plan under this policy.
AYUSH Treatment
Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.
SECTION III - Out Patient Benefits
Out Patient Expenses
Reasonably and necessarily incurred outpatient expenses at Network Hospitals in India are covered up to Rs. 500/- per event subject to a maximum of Rs. 1500/- per policy period.
SECTION IV - Personal Accident Benefit for Death
Personal Accident Cover
Worldwide personal accident cover is provided in the event of unfortunate death of the insured person due to accidents during the policy period.
Waiting Period
1. For Pre-Existing Diseases - 36 months (However, in respect of Section II, these will be covered after 90 days)
2. For Specific Diseases/Procedures - 24 months
3. Initial Waiting Period - 30 days (Except for Accidents)
Who can avail this policy?
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
Modern Treatments
Coverage for Modern Treatments please click here
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
Lifelong Renewal
This policy provides a lifelong renewal option.
Grace Period For Renewal
30 days from date of expiry of policy.
Note : Renewal premium, terms and conditions are subject to change as per the extant Guidelines.
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 HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
90% of our claims are settled under cashless within 2 hours and 92% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Star Cardiac Care Insurance Policy
Cardiac ailments have been rising at an alarming rate in India. Treatment for cardiac diseases can be expensive. In this situation, the surging costs of the healthcare system have made many realise the importance of health insurance for cardiac-related ailments. It’s therefore vital to have an insurance plan that financially protects you from the risk of cardiac ailments. For this very purpose, Star Health presents the Star Cardiac Care Insurance Policy, a health insurance for individuals who have undergone heart surgery, bypass or stenting procedures. A dedicated heart health insurance plan ensures financial protection during emergencies and routine care.
Cardiovascular diseases are among the leading causes of morbidity and mortality across the world, making the need for cardiac insurance plans more critical than ever. A well-rounded cardiac care health insurance plan is not just about covering the immediate costs related to heart-related medical emergencies; it also includes preventive measures and ongoing care to manage such chronic conditions effectively.
Keeping this in mind, Star Health has come up with the Star Cardiac Care Insurance Policy, a custom-made solution, just apt to ensure a smile on the insured's face, always.
Any individual aged between 10 and 65 years who has undergone any of the following treatments/interventions can avail this plan:
- Percutaneous Transluminal Coronary Angioplasty (PTCA) or Coronary Artery Bypass Graft (CABG) performed within the seven years prior to the 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
- RF ablation performed to rectify the cardiac conditions that are underlying, or
- Angiogram performed with no further treatment required, as determined by the attending physicians.
With Sum Insured options of Rs. 3 Lakhs and Rs. 4 Lakhs, this plan comes with an in-built Personal Accident cover for Accidental Death with a benefit equal to the chosen Sum Insured.
Many people wonder, is a heart attack covered under health insurance? The answer depends on selecting the right policy.
Star Cardiac Care Insurance Policy has 2 variants - Silver and Gold, with coverage extending to Accident & Non-Cardiac ailments, Cardiac ailments and complications, including surgical interventions and medical management (Gold Plan only), Outpatient expenses and Modern treatments.
Note :( If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
This plan also covers:
- Room, boarding and nursing expenses to a maximum of Rs. 5,000/- per day
- Emergency ambulance charges up to Rs.750/- per hospitalisation and Rs.1500/- per policy period
- Pre and post-hospitalisation expenses
With a waiting period of just 90 days, get complete care and protection for your heart with the Star Cardiac Care Insurance Policy.
The Future of Health Insurance for Heart Patients in India
As we look towards 2025 and beyond, the landscape of health insurance for heart patients in India is set to undergo significant transformations. With advancements in medical technology and a growing cardiovascular health awareness, insurance providers are evolving to offer more comprehensive and tailored coverage for individuals with heart conditions. Here's the future for health insurance policies designed for heart patients in India.
The demand for health insurance for heart patients in India is expected to rise as awareness grows. Providers are focusing on creating the best health insurance for cardiac patients with advanced treatment coverage.
Advancements in Cardiac Care Insurance Policies
The health insurance policy for heart patients in India should include both surgical and non-surgical interventions. By 2025, health insurance policies for heart patients will become even more inclusive and personalised. These policies will likely offer broader coverage for various cardiac treatments, including cutting-edge procedures and therapies previously unaffordable or unavailable.
Enhanced Coverage for Innovative Treatments:
- Policies will cover advanced treatments such as gene therapy, 3D-printed heart valves, and minimally invasive robotic surgeries.
- Insurance plans will include comprehensive cardiac rehabilitation programs, ensuring patients receive holistic care during their recovery.
Focus on Preventive Care:
- Best health insurance for heart patients will emphasise preventive measures more. Regular health check-ups, personalised wellness plans, and access to nutrition and fitness experts will be standard features.
- AI-driven health monitoring devices that track heart health in real time will be integrated into insurance plans, allowing for early detection and intervention of potential issues.
Comprehensive Telemedicine Services:
- Telemedicine will become a core component of health insurance policies. Patients will have access to virtual consultations with top cardiologists, reducing the need for frequent hospital visits.
- Remote monitoring and telehealth platforms will enable continuous care and support for heart patients, especially those in rural or remote areas.
For those seeking the best mediclaim policy for heart patient, this plan offers comprehensive benefits.
Health Insurance for Heart Attack Patients
By 2025, health insurance for heart attack patients will provide even more robust coverage, ensuring that patients receive immediate and extensive medical care without financial worries. Insurance providers will include:
- Emergency Coverage: Immediate coverage for emergency treatments and procedures following a heart attack.
- Post-Recovery Care: Comprehensive post-recovery care, including cardiac rehabilitation and long-term follow-up consultations.
Medical Insurance for Heart Patients in India
Medical insurance for heart patients in India is tailored to provide comprehensive coverage for various heart conditions. These policies typically cover:
- Hospitalisation Costs: Including room rent, ICU charges, and nursing expenses.
- Surgical Expenses: Covering costs of heart surgeries like angioplasty and bypass surgery.
- Pre and Post-Hospitalisation: Expenses incurred before and after hospitalisation, such as diagnostic tests and follow-up visits.
- Day Care Procedures: Treatments and procedures that do not require a 24-hour hospital stay.
- Modern Treatments: Advanced procedures like robotic surgeries are now part of health insurance for heart disease, making treatment more accessible.
Medical Insurance for Sugar Patients and Heart Conditions
Given the close link between diabetes and heart disease, future health insurance policies will offer combined coverage for both conditions. These policies will include:
- Integrated Care Plans: Personalised care plans that address both diabetes management and heart health, ensuring holistic treatment.
- Advanced Monitoring Devices: Coverage for advanced devices that monitor both blood sugar levels and heart health in real time.
Health Insurance for Heart Patients
As health insurance policies continue to evolve, selecting the best plan will involve considering several factors:
- Comprehensive Coverage: Ensure the policy covers all necessary treatments, including advanced and innovative procedures.
- Preventive Measures: Look for policies emphasising preventive care and regular health check-ups.
- Telemedicine Services: Opt for plans that include telemedicine and remote monitoring services for continuous care.
- Sum Insured Options: Choose a sum insured that meets your future financial needs and potential medical expenses.
What Is Star Cardiac Care Insurance Policy?
Cardiac care insurance stands out in the industry, delivering comprehensive protection for both heart-related and general medical treatments. Designed with heart patients in mind, it covers every aspect of cardiovascular care while also meeting everyday hospitalization needs.
This helps ease the financial burden of those in such a situation of treating repeat heart ailments and provides sufficient expense coverage.
This policy extends its protection to a range of heart conditions, allowing for multiple claims up to the insured sum. With cardiac care insurance, you gain access to both surgical and non-surgical treatments, coverage for advanced medical procedures, outpatient care, and even a Personal Accident benefit in the event of accidental death.
| Subject | Criteria | ||
|---|---|---|---|
| Entry Age | 10 years to 65 years | ||
| Renewal | Lifelong | ||
| Policy period | 1 year/ 2 years / 3 years | ||
| Plan variants | Gold and Silver | ||
| Sum Insured | ₹3 lakhs and ₹4 lakhs | ||
| Co-payment | If age of entry is 61 yrs and above 10% to all admissible claims | ||
| Waiting Periods for non-cardiac ailments | PED-36 months | Specific Diseases- 24 months | Initial waiting period – 30 days (except for accidents) |
The policy is designed to cover people who have undergone cardiac-related ailments and also to treat those recovering from post-surgery. Anyone from the ages of 10 – 65 can purchase a Cardiac Care Insurance Policy.
The Star Cardiac Care Insurance policy offers the ideal health insurance for heart patients to cover their expenses if they have previously been diagnosed with cardiovascular disease or have had heart-related surgeries and other procedures. The ailments and procedures that make you eligible for cardiac care insurance include:
- Undergoing angioplasty (stenting) or by-pass surgery, a maximum of 7 years before purchasing the policy
- Correction of Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD).
- Underlying cardiac ailments treated with RF Ablation
- Angiography performed with no further medical intervention
Star Cardiac Care offers coverage if you have had any of the mentioned conditions or procedures. Having cardiac ailments puts you at risk of having another heart-related issue. That is why purchasing coverage like Star Cardiac Care insurance is a good choice.
Policy Tenure:
The policy tenure can be one year, two years or three years, and the premium can be paid quarterly, half-yearly, annually, biennially, or triennially. This provides flexibility and options for paying your premium. You get two options for the sum insured amount: ₹ 3,00,000 or ₹ 4,00,000. This policy can be purchased for individual coverage only.
Coverage:
Section 1: Hospitalisation cover for Accidents and Non-cardiac ailments
Section 2: Hospitalisation cover for Cardiac Ailments
Section 3: Cover for Outpatient medical expenses
Section 4: Personal Accident cover for accident death
Sum insured
The plan provides sum insured options of ₹3 lakhs and ₹4 lakhs
Renewal: Star Cardiac Care insurance policy has no renewal limit and can be renewed for your lifetime.
Co-payment
Co-payment is applicable for 61 years and above. This means that every time a claim is filed with the company, the insured will be required to pay a fixed 10% of the admissible claim, and then Star Health Insurance will process the rest of the admissible claim.
Waiting period for non-cardiac treatments
- Any illness contracted within 30 days of the policy's date of inception is not covered. The exception is in case of an accident.
- Coverage for specified illnesses/ surgeries becomes effective after 24 months.
- Pre-existing diseases are covered after a waiting period of 48 months from the policy's date of inception.
Coverage under Star Cardiac Care Insurance Policy Gold Plan and Silver Plan
| Section | Gold Plan | Silver Plan |
| 1 | Applicable for accident and non-cardiac ailments | Applicable for accident and non-cardiac ailments |
| 2 | Applicable for Cardiac Ailments and complications. Cover is available for both surgical intervention and medical management. | Applicable for Cardiac Ailments and complications. Cover available only for surgical intervention. |
| 3 | Outpatient expenses in networked facility | Outpatient expenses in networked facility |
| 4 | Personal Accident: Death only cover equal to chosen sum insured | Personal Accident: Death only cover equal to chosen sum insured |
| Waiting period applicable for cardiac treatments is 90 days only. | ||
Inclusions of Star Cardiac Care Insurance Policy
Cardiac insurance provides a wide range of expense coverage for cardiac as well as non-cardiac ailments. The salient feature of this policy is that it covers people who have already had a heart condition or procedure. If you have undergone a heart surgery or a procedure in the last 7 years, it is advisable to purchase a cardiac care policy because you are at greater risk of cardiac ailments.
Hospitalisation expenses for non-cardiac ailment and accidents
Star Cardiac Care will cover hospitalisation expenses if the insured person requires hospitalisation for treatment at the hospital for at least 24 hours during the policy period. The plan will cover expenses incurred towards the following:
- Room rent, boarding, and nursing expenses are covered up to Rs.5000 per day.
- Emergency ambulance charges up to ₹750 per hospitalisation and ₹ 1500 per policy period.
- Pre hospitalisation expenses for a period not exceeding 30 days prior to the date of hospitalisation
- Post-hospitalisation expenses for a period not exceeding 60 days after discharge from the hospital. The amount payable shall not exceed the sum equivalent to 7% of the hospitalisation expenses subject to a maximum of ₹ 5000 per hospitalisation.
Daycare treatments/procedures
The policy covers expenses for all daycare procedures, surgeries, and treatments that require less than 24 hours of hospitalisation as per the policy terms.
Cataract treatment
The policy covers expenses incurred for cataract treatment up to ₹30,000 entire policy period.
Pre-insurance medical screening
No pre-insurance medical screening is required. It is enough to submit previous medical records including details of the latest treatment along with the proposal form.
Personal Accident coverage: Star Health Cardiac Care Insurance provides a worldwide cover and compensates for accidental death equal to the sum insured opted for.
Modern Treatments covered under the Cardiac Care Insurance Policy
Some modern treatments are covered under Star Cardiac Insurance. The coverage details are as follows: The limits are mentioned in the Policy Clause.
- Uterine artery embolisation and HIFU (High intensity focused ultrasound)
- Balloon sinuplasty
- Deep brain stimulation
- Oral chemotherapy
- Immunotherapies - monoclonal antibody to be given as an injection
- Intra vitreal injections
- Robotic surgeries
- Stereotactic radio surgeries
- Bronchial Thermoplasty
- Vaporisation of the prostrate
- ION M Intra Operative Neuro Monitoring
- Stem cell therapy
The following is a partial listing of policy exclusions. A detailed list of all exclusions is included in the policy document.
While Star Health Cardiac Care Policy offers comprehensive coverage for both cardiac and non-cardiac ailments, a few exclusions come under the purview of this policy. These exclusions are as follows:
- Diagnostic expenses which are not related to the current diagnosis and treatment are excluded
- Expenses for custodial care and services for terminally ill patients
- Gender change procedures
- Cosmetic/plastic surgeries
- Hospitalisation or treatment due to hazardous of adventure sports/activities
- Expenses for treatment arising out of any criminal activity
- Expenses for treating alcohol, drugs, and other substance abuse.
- Expenses for treating infertility
- Maternity expenses and expenses toward miscarriage (unless due to an accident)
- Treatment for sexually transmitted diseases
- Bodily harm or disease arising out of a war or war-like situation
Note: (If you wish to purchase this Health insurance policy, please contact 1800-425-2255 )
FAQ's
Cardiac care insurance helps prevent financial hardship by covering the high costs of heart surgeries, hospitalisation and follow‑up treatments. It reduces the need for large out‑of‑pocket payments and ensures timely access to quality care without straining your savings.
The best policy offers coverage for cardiac surgeries, outpatient care, and modern treatments tailored for heart patients.
Yes, most comprehensive plans, including Star Cardiac Care, cover emergency treatment for heart attacks.
Yes, specialized plans like Star Cardiac Care are designed for individuals who have undergone angioplasty or similar procedures.
Certain policies, including this one, provide coverage for pre-existing heart conditions after a waiting period.
A mediclaim policy should include hospitalization, surgical expenses, and preventive care for cardiac health.
Coverage typically includes hospitalization, cardiac surgeries, outpatient care, and modern treatments.
Health insurance ensures access to necessary cardiac treatments by covering the costs of hospitalisation, procedures and follow‑up care. This support allows timely treatment without worrying about high medical bills, helping families focus on recovery instead of expenses.
Common pre‑existing cardiac conditions include hypertension, previous heart attacks, angioplasty or bypass history, arrhythmia and congenital heart issues. These conditions can affect eligibility for some plans, waiting periods and overall policy terms.
People Also Search For
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
