How does the waiting period affect my coverage?

This plan has a 30-day initial waiting period for general coverage, 24 months for specific diseases, and 90 days for pre-existing cardiac conditions before benefits can be availed.

What happens if I don’t use my health insurance benefits for the entire year?

This plan does not offer a no-claim bonus (NCB) or increase the sum insured for claim-free years. However, you continue to enjoy uninterrupted coverage for future needs.

Will my health insurance cover treatment abroad?

This plan does not cover treatment abroad. Coverage is available only for treatments within India at network and non-network hospitals.

OneAssure

Health Insurance

Star

Cardiac Care Platinum

Star Health Cardiac Care Platinum

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

7.8

Customer Rating

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

7.8

Customer Rating

Our Verdict

Expert Review: Star Health Insurance

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Final Verdict

Star Cardiac Care Platinum offers comprehensive coverage for cardiac patients, including pre-existing conditions after a waiting period, and non-cardiac treatments. Add-ons like hospital cash and home care enhance its suitability for those needing specialized and ongoing cardiac care.

About

About Star Health Insurance

Star Cardiac Care Platinum is a specialized health insurance plan designed for individuals with pre-existing heart conditions. It offers comprehensive coverage for both cardiac and non-cardiac treatments, ensuring financial protection during medical emergencies. The plan includes hospitalization expenses, pre- and post-hospitalization costs, ambulance charges, and daycare procedures. It also covers pre-existing heart ailments after a waiting period. With high sum insured options and cashless treatment at network hospitals, this plan provides peace of mind and essential healthcare support for cardiac patients.

Star Cardiac Care Platinum is a specialized health insurance plan designed for individuals with pre-existing heart conditions. It offers comprehensive coverage for both cardiac and non-cardiac treatments, ensuring financial protection during medical emergencies. The plan includes hospitalization expenses, pre- and post-hospitalization costs, ambulance charges, and daycare procedures. It also covers pre-existing heart ailments after a waiting period. With high sum insured options and cashless treatment at network hospitals, this plan provides peace of mind and...

Inclusions and Exclusions

Inclusions and Exclusions of Star Insurance Company Limited

Room Rent

Room charges and ICU limits covered up to the sum insured limit.

Advanced Treatments

Star Cardiac Care Platinum covers advanced treatments like robotic surgery, oral chemotherapy, deep brain stimulation, immunotherapy, and stereotactic radio surgeries.

Co-payment

Star Cardiac Care Platinum has a 10% co-payment for all claims if the insured is above 60 years at policy entry.

Waiting Period

Star Cardiac Care Platinum has a 30-day initial waiting period, 24 months for specific diseases, and 90 days for pre-existing cardiac conditions.

Cashless Healthcare Providers

13,533 Network Hospitals

Daycare Treatment

All Day care procedures are covered.

AYUSH Treatment

Covered by the policy.

Room Rent

Room charges and ICU limits covered up to the sum insured limit.

Advanced Treatments

Star Cardiac Care Platinum covers advanced treatments like robotic surgery, oral chemotherapy, deep brain stimulation, immunotherapy, and stereotactic radio surgeries.

Co-payment

Star Cardiac Care Platinum has a 10% co-payment for all claims if the insured is above 60 years at policy entry.

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Exclusions

Congenital external conditions, defects, or anomalies
Convalescence, general debility, run-down conditions, and nutritional deficiency states
Intentional self-injury
Injuries or diseases resulting from nuclear weapons or materials
Unconventional, untested, or experimental treatments and therapies
Treatment related to external birth defects
Circumcision (except due to accident), preputial dilatation, removal of smegma, etc.
Treatment arising from or traceable to pregnancy, childbirth, miscarriage, abortion, or complications of these .

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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 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...

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;...