What is the main difference between the Silver and Gold variants of this plan?

While both the Silver and Gold variants cover standard hospital stays, accidents, and non-cardiac ailments, they differ heavily on how they handle heart conditions:Silver Variant: Only covers cardiac complications that require a surgical or interventional treatment (like an angioplasty or bypass surgery).Gold Variant: Offers much wider protection. It covers surgical interventions and the regular medical management of heart conditions (such as hospitalization required for stable medication adjustment or non-surgical cardiac care).

Can I get this plan if I have an existing heart condition? What is the waiting period?

Yes, this plan is explicitly designed to offer a medical fallback for individuals aged 10 to 65 who have established cardiac histories. While regular health plans reject heart patients immediately, this policy covers pre-existing cardiac conditions after an ultra-short 90-day waiting period from the start of the policy.

Are there any room rent sub-limits or daily caps I should watch out for?

Yes. Unlike premium tier plans that cover any private room category, this policy sets specific sub-limits on room expenses to keep premiums low:Normal Room Rent: Covered up to 2% of your chosen Sum Insured, with a strict maximum cap of ₹5,000 per day.ICU Charges: Also capped at 2% of the Sum Insured (up to ₹5,000 per day).Selecting a hospital room that exceeds these daily caps will trigger a pro-rata deduction on your overall claim settlement.

How does the co-payment structure work when filing a claim?

This policy requires a mandatory 10% co-payment on all admissible claims. This means that whenever a hospital bill is approved, you are responsible for paying 10% of that approved amount out of your own pocket at the time of discharge, while Star Health settles the remaining 90% directly with the network hospital.

What are the available Sum Insured options under this policy?

This specific plan focuses on providing pocket-friendly baseline coverage. The available Sum Insured options are restricted to ₹3 Lakhs and ₹4 Lakhs.

Does this policy cover modern healthcare treatments or daycare procedures?

Yes. It covers 405 listed daycare procedures that wrap up in less than 24 hours without requiring an overnight hospital bed. Additionally, it provides coverage up to the active sum insured for advanced modern medical procedures, including Robotic Surgeries and Stem Cell Therapy.

OneAssure

Health Insurance

Star

Health Cardiac Care Silver & Gold Plan

Star Health Cardiac Care Silver & Gold Plan

Experience India's most trusted health insurance with Star Health Insurance. Get instant cashless treatment at 14000 network hospitals with sum insured up to ₹50 lakhs.

82.31

Claim Settlement Ratio

14000

Network Hospitals

7.2

Customer Rating

Policy Brochure

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

7.2

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Star Health Insurance

Final Verdict

The Star Cardiac Care Insurance Policy offers specialized coverage for cardiac and non-cardiac ailments. Ideal for individuals aged 10-65, seeking comprehensive protection with options for personal accident and outpatient benefits.

About

About Star Health Insurance

The Star Cardiac Care Insurance Policy offers two variants: Silver and Gold. Both plans cover hospitalization expenses for accidents and non-cardiac ailments. The Silver plan includes coverage for cardiac-related complications requiring surgical or interventional treatment. The Gold plan extends this to include medical management of cardiac conditions. Both plans offer outpatient benefits and personal accident coverage for accidental death. Eligibility is for individuals aged 10 to 65 years. Sum insured options are ₹3 lakh and ₹4 lakh.

The Star Cardiac Care Insurance Policy offers two variants: Silver and Gold. Both plans cover hospitalization expenses for accidents and non-cardiac ailments. The Silver plan includes coverage for cardiac-related complications requiring surgical or interventional treatment. The Gold plan extends this to include medical management of cardiac conditions. Both plans offer outpatient benefits and personal accident coverage for accidental death. Eligibility is for individuals aged 10 to 65 years. Sum insured options are ₹3 lakh and...

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Co-payment

A co-payment of 10% is applicable, meaning the insured must bear 10% of the admissible claim amount.

Cashless Healthcare Providers

Star Health has an extensive network of over 14,000 hospitals across India.

Waiting Period

Pre-existing cardiac ailments are covered after a 90-day waiting period.

Daycare Treatment

The policy covers 405 day care procedures that require less than 24 hours of hospitalization.

AYUSH Treatment

Coverage for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy is included, offering a holistic approach to healthcare.

Room Rent

Normal: Hospital room expenses are covered up to 2% of the sum insured, with a maximum of ₹5,000 per day.
ICU: Up to 2% of the sum insured, capped at ₹5,000 per day.

Advanced Treatments

Covers modern medical procedures, including Robotic surgeries and Stem cell therapy, up to the sum insured.

Co-payment

A co-payment of 10% is applicable, meaning the insured must bear 10% of the admissible claim amount.

Waiting Period

Pre-existing cardiac ailments are covered after a 90-day waiting period.

Cashless Healthcare Providers

Star Health has an extensive network of over 14,000 hospitals across India.

Exclusions

Injuries or diseases resulting from war or war-like operations.
Conditions caused by nuclear weapons or materials.
Expenses related to treatments associated with Human T-cell Lymphotropic Virus type III (HTLV-III) or Lymphadenopathy Associated Virus (LAV) or their mutations.
Treatment for mental illnesses.
Congenital external diseases or defects.

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About the company

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation; that way, customers can gain access to quality treatment and services without having to give any upfront payments. As per the plan, treatment can include...

Star Health and Allied Insurance Co. Ltd is considered one of the major standalone insurers in India. Today, a bulk of insurance policyholders are served by Star Health in India. Plans are offered pertaining to individual health, family floater, senior citizen, critical illness, top-up and super top-up, personal accident, disease specific, maternity, and corporate/group insurance. A cashless hospital network of over 14,000 hospitals nationwide is the big number that helps to keep Star Health's reputation;...