Can the policy be renewed?

Yes. The policy offers lifelong renewal, subject to the applicable renewal terms and conditions.

What type of coverage does the policy provide?

The policy covers eligible hospitalisation for accidents and non-cardiac ailments, as well as cardiac treatment according to the selected plan. It also includes specified outpatient, daycare, AYUSH and modern treatment benefits, subject to policy limits.

Does the policy cover outpatient expenses?

Yes. Eligible outpatient expenses at network hospitals in India are covered up to ₹500 per event, subject to a maximum of ₹1,500 per policy period.

What is the waiting period for cardiac treatment?

A 90-day waiting period applies to cardiac ailments covered under Section II, subject to policy terms.

What is the waiting period for pre-existing diseases?

The waiting period for pre-existing diseases is 36 months, subject to policy terms. The separate 90-day waiting period applies to cardiac ailments under Section II.

Is there an initial waiting period?

Yes. A 30-day initial waiting period applies, except for covered accident-related claims.

What should I check before making a claim?

Review the coverage limits, waiting periods, exclusions, applicable co-payment and documentation requirements. Confirm the hospital’s network status for cashless treatment.

How can I use cashless treatment?

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Are daycare procedures covered?

Yes. Eligible daycare procedures are covered, subject to policy terms.

OneAssure

Health Insurance

Star

Health Cardiac Care Silver & Gold Plan

Specialised Health Insurance for Cardiac Care

Health Insurance for Individuals with a History of Cardiac Conditions

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

3.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Health Cardiac Care Silver & Gold Plan

Final Verdict

Star Cardiac Care Insurance Policy is designed for eligible individuals with a history of specified cardiac conditions or procedures. Customers should compare the Silver and Gold options and review the cardiac waiting period, co-payment, room rent limit, outpatient benefit and treatment-specific limits before purchasing.

About

What Is Health Cardiac Care Silver & Gold Plan?

Star Cardiac Care Insurance Policy is designed for individuals aged 10 to 65 years who meet the policy’s specified cardiac eligibility criteria. It offers Silver and Gold options with Sum Insured choices of ₹3 lakh and ₹4 lakh. The policy covers eligible hospitalisation for accidents and non-cardiac ailments, along with cardiac treatment according to the selected plan. Gold covers eligible cardiac treatment through surgical or interventional management and medical management. Silver covers eligible cardiac treatment through surgical or interventional management. Other benefits include pre-hospitalisation expenses for up to 30 days, post-hospitalisation expenses for up to 60 days within the stated limits, daycare treatment, outpatient expenses at network hospitals, eligible AYUSH treatment and specified modern treatments. The policy also includes a personal accident benefit for accidental death equal to the selected Sum Insured.

Silver & Gold Plan Ratings

Silver & Gold Plan

Insurer Rating

7.07

out of 10

Insurance Rating

3.25

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

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No Disease Sublimits

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Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

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

Star Health Cardiac Care Silver & Gold Plan Inclusions and Exclusions

Room Rent

Room, boarding and nursing expenses covered up to ₹5,000 per day.

Co-payment

10% for insured persons aged 61 years and above at policy purchase or renewal.

Initial Waiting Period

30 days, except for covered accident-related claims.

Daycare Treatment

Eligible daycare procedures are covered, subject to policy terms.

AYUSH Treatment

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

ICU Charges

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Cumulative Bonus

Not specified.

Consumable Cover

Not specified.

Specific Waiting Period

24 months for specified diseases and procedures.

PED Waiting Period

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

Annual Health Checkup

Not specified.

Post-Hospitalisation

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

Deductible Option

Not specified.

Coverage Options

Individual coverage with Silver and Gold plan options.

Maternity Cover

Not covered, except where the policy provides an applicable accident-related exception.

Claim Settlement Ratio

Insurer-level metric, not a policy benefit.

Disease-wise sublimits

Sublimits apply to specified treatments, including cataract and modern treatments.

Pre-Hospitalisation

Covered for up to 30 days before hospital admission.

Restoration Benefit

Not specified.

Cashless Healthcare Providers

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Modern Treatment

Specified modern treatments are covered within the applicable treatment limits.

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

About Star

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 hospitalization, along with pre-and post-hospitalization expenses, day-care procedures, AYUSH treatments, ambulance charges, and maternity benefits, etc. Policyholders also enjoy benefits such as no-claim bonuses, automatic sum insured restoration, and preventive health check-ups.
Focusing on their customers' convenience, the insurer provides online policy management, claim tracking, and immediate claim settlement. Star Health looks forward to becoming the provider of financial security against medical emergencies while promoting health and well-being among individuals, families, and corporate clients, making it one of the trusted names in India's health insurance band.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.