Who can buy Star Cardiac Care Platinum?

People aged 7 to 70 who have been diagnosed with a cardiac ailment in the past and have undergone a cardiac surgical intervention or procedure for it.

Is a medical test needed before buying?

No pre-acceptance medical screening is required. However, all past medical records of the person to be insured must be submitted with the proposal.

OneAssure

Health Insurance

Star

Cardiac Care Platinum

Health Cover Designed for Your Heart

Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.

82.31%

Claim Settlement Ratio

14,000+

Network Hospitals

2/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Star Cardiac Care Platinum

Final Verdict

Star Cardiac Care Platinum is one of the few plans that openly covers people with a history of heart surgery or procedures, with cardiac cover after only 30 days. It may suit people who would otherwise struggle to get covered. The Sum Insured is capped at ₹15 lakh, non-cardiac pre-existing diseases have a 36-month waiting period, and several sublimits apply, so check whether the cover is enough for your needs.

About

What Is Cardiac Care Platinum?

Star Cardiac Care Insurance Policy - Platinum is designed for people who have been diagnosed with a heart condition and have undergone cardiac surgery or a procedure. It is available to people aged 7 to 70, with Sum Insured options of ₹5 lakh, ₹7.5 lakh, ₹10 lakh and ₹15 lakh, for policy terms of 1, 2 or 3 years.
The policy has three sections: Section 1 covers accidents and non-cardiac illnesses, Section 2 covers heart-related hospitalisation, and Section 3 covers out-patient expenses, including vaccination, at network facilities. Both hospitalisation sections include a single private AC room, ICU, doctor fees, medicines, emergency ambulance, 30 days of pre-hospitalisation and 60 days of post-hospitalisation cover.
For heart care, the plan covers cardiac devices up to 50% of the Sum Insured, conventional coronary angiograms up to ₹20,000 or ₹25,000, and heart transplantation after a 24-month waiting period. Cardiac pre-existing conditions are covered after 30 days; non-cardiac pre-existing diseases have a 36-month waiting period.
Other benefits include a 10% cumulative bonus per claim-free year up to 100%, once-a-year 100% restoration for unrelated non-cardiac illnesses, an annual health check-up, rehabilitation and pain management, e-medical opinion, and a wellness programme with up to 10% off the renewal premium.

Platinum Ratings

Platinum

Insurer Rating

7.07

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

No

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 Cardiac Care Platinum Inclusions and Exclusions

Room Rent

Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing.

ICU Charges

Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.

Cumulative Bonus

10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.

Consumable Cover

Not mentioned as a separate benefit in the policy documents.

Specific Waiting Period

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period

36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.

Annual Health Checkup

Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured.

Post-Hospitalisation

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD.

Deductible Option

Not available or mentioned in the policy documents.

Coverage Options

Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal.

Maternity Cover

Not covered; maternity is excluded under Code Excl 18.

Pre-Hospitalisation

Up to 30 days before admission.

Claim Settlement Ratio

92.16% of claims settled by number in FY 2025–26.

Disease-wise sublimits

Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps.

Restoration Benefit

Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments.

Modern Treatment

Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured.

Co-payment

No co-payment clause found in the policy documents.

Initial Waiting Period

30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period.

Cashless Healthcare Providers

Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification.

Daycare Treatment

All Day care procedures are covered.

AYUSH Treatment

In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval.

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

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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.