How does the waiting period affect my coverage?

Star Cardiac Care Silver & Gold has a 90-day waiting period for pre-existing cardiac conditions before coverage begins.

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

No specific no-claim bonus is offered; maintaining a claim-free history ensures premium stability without loading.

Will my health insurance cover treatment abroad?

Star Cardiac Care Silver & Gold covers treatment only in India; international medical expenses are not included.

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

Get a Quote

82.31

Claim Settlement Ratio

14000

Network Hospitals

7.2

Customer Rating

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.

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.

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.

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.

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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.
Substance abuse-related conditions.
Venereal diseases and sexually transmitted infections.
Hospitalization primarily for diagnostic purposes not consistent with treatment.

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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;...