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What Makes Star Cardiac Care Health Insurance Policy a Good Option?

By Juhi Walia
01 September 2022, 1:40 PM

According to the Indian Heart Association, India accounts for approximately 60% of the world’s heart disease burden, even though it has less than 20% of the world population. Heart disease is the leading cause of mortality among citizens as they are predisposed to the condition due to genetics and an unhealthy, sedentary lifestyle. Currently standing at 17 lakhs, heart attack deaths are estimated to shoot up to an alarming 2.3 crores by 2030. While one needs to adopt healthy living, exercise and diet to reduce the risk, one must buy health insurance to prevent financial burden should a need for hospitalisation arise. While most renowned insurers provide plans related to heart diseases, Star Cardiac Care Health Insurance Policy is worth considering for several reasons.

Even for Those Who Have Taken Heart-related Treatment

From the house of Star Health, the unique Star Health Cardiac Care Insurance Policy is a significant relief for patients undergoing heart-related treatment. Usually, insurers shy away from covering individuals with pre-existing heart conditions, but this plan is designed for those who have undergone heart surgery, stenting or bypass procedure. Moreover, it offers complete cover for cardiac treatments, including all cardiovascular needs and non-cardiac therapies. In other words, it combines insurance for cardiovascular and regular hospitalisation requirements.

Key Features of Star Health Cardiac Care Insurance Policy 

Star Health and Allied Insurance is among the country’s most reliable health insurance companies, providing affordable coverage against cardiac diseases. Star Cardiac Care is a comprehensive cardiac illness cover with many benefits and features. 

  • The types of health insurance plans in this policy are – Gold and Silver. 
  • Gold Plan includes hospitalisation expenses for any disease or accidental injury. It also covers hospitalisation expenses for surgery or intervention arising from cardiac-related complications and Cardiac Medical Management.
  • Silver Plan includes medical expenses for any illness or accidental injury that requires hospitalisation. It also covers costs incurred for surgery or intervention due to any cardiac-related complications.
  • There are four categories of health insurance benefits:
  • Section 1 In-patient treatment expense coverage, with at least 24-hour hospitalisation. Coverage to pre-existing diseases after 48 months of renewal with any company.
  • Section 2 In-patient cardiac disease treatment expenses with at least 24-hour hospitalisation. Coverage to pre-existing cardiac diseases after 90 days of policy initiation.
  • Section 3 — Outpatient medical expenses for treatment at any of the network hospitals.
  • Section 4 — Personal accident cover if you sustain injuries from an accident or have an accidental death within a year from the date of the accident. Star health insurance provides the sum insured as specified in the policy documents all across the world. 
  • Lifelong renewal 
  • Pre-hospitalisation expenses up to 30 days before being admitted 
  • Up to 7% of post-hospitalisation expenses incurred within 60 days of release, to a maximum of INR 5,000.
  • Disease-specific plan
  • You can purchase it for just one year.
  • Eligible for people between 10 to 65 years of age
  • Coverage to cardiac ailments that basic plans don’t offer
  • Sum insured options – INR 3 Lakh and INR 4 Lakh, with flexible payment options monthly, quarterly, half-yearly, annually, over 1/2/3 years. 
  • 30 days grace period in case you miss the premium payment due date
  • 15 days free look period to help you decide if you want the plan or not
  • Easy health insurance portability from any insurer
  • Settles claim in-house without third-party administrator (TPA) involvement
  • Cashless health insurance policy with 13,000+ network hospital
  • No pre-medical diagnostic tests are required for cardiac care coverage. You may only submit previous medical records and details of the latest treatment. 
  • Co-payment — the patient with an entry age of 61 years shall pay 10% of the expenses, and the insurer will pay the rest.

Eligibility Criteria

The policy covers patients with cardiac-related ailments and those recovering from post-surgery and have undergone:

  • Angioplasty or bypass at the most 7 years before buying the policy.
  • Correction of Atrial Septal Defect (ASD) or Ventricular Septal Defect (VSD).
  • Cardiac ailments treated with RF Ablation.
  • Angiography without further medical intervention.
  • Treatment for Patent Ductus Arteriosus. 

Wide Range of Expense Coverage

Star health insurance for heart patients provides an array of expense coverage, even for non-cardiac ailments and accidents. It covers:  

  • Room rent, boarding, and nursing expenses up to INR 5,000 a day.
  • Emergency ambulance charges up to INR 750 for each hospitalisation and INR 1,500 in one policy period.
  • Daycare treatments, procedures or surgeries that need less than 24-hour hospitalisation.
  • Cataract treatment up to INR 30,000 during the entire policy period.
  • Modern treatments, including uterine artery embolisation and HIFU (High-intensity focused ultrasound), deep brain stimulation, oral chemotherapy, immunotherapy, intra vitreal injection, balloon sinuplasty, robotic surgeries, stereotactic radio surgeries, stem cell therapy, etc.


Suffering from any of the cardiac ailments implies that you are prone to other heart-related issues. Hence, Star Cardiac Care insurance is a good bet for financial protection and high-quality treatment. One of its prominent and unique features is that it even covers those who have already had a heart condition or undergone a procedure. All the features and benefits are applicable per policy wordings. The policy also comes with certain exclusions, so read those carefully. 

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1. What’s the waiting period like for non-cardiac treatments?

The terms for the waiting period for non-cardiac diseases include: 

  • No coverage to the ailment(s) contracted within 30 days of the policy’s commencement, except in case of an accident.
  • Specified illnesses or surgeries are covered after 24 months.
  • Coverage for pre-existing diseases post a waiting period of 48 months from the policy inception.

2. Does the free look period apply to renewal, too?

No, the free look period feature is only available on new policies for 15 days from the date of policy document receipt. 

3. When does it start covering specific diseases?

The waiting period for (non-cardiac) specific conditions is 24 months. 

4. What are some of the standard exclusions?

Exclusions under the policy purview are: 

  • Expenses unrelated to the current diagnosis and treatment 
  • Custodial care and services for the terminally-ill 
  • Gender change procedures or cosmetic/plastic surgeries
  • Treatment arising out of adventure sports/activities, criminal activity, alcohol, drugs, or other substance abuse
  • Infertility treatment expenses 
  • Maternity expenses and treatment for miscarriage (except due to an accident)
  • Sexually transmitted diseases 
  • Bodily harm or illness due to war or war-like situation

5. Does this policy have tax benefits?

Yes, as per the Income Tax Act of 1961, Section 80D, INR 25,000 tax benefit is available for those less than 60 years of age and INR 50,000 for anyone above 60 years. 

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