Star Health Cardiac Care Silver & Gold Plan
Star
7.2/10
OneAssure Rating
7.2/10
OneAssure Rating
Highlighted Features
Advanced Treatments
Covers cutting-edge medical procedures like robotic surgery and stem cell therapy up to the sum insured, ensuring access to modern healthcare.
Day Care Treatments
Includes coverage for 405 medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, reducing financial burden.
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
- Normal: Hospital room expenses are covered up to 2% of the sum insured, with a maximum of ₹5,000 per day.
Advanced Treatments
Covers modern medical procedures, including Robotic surgeries and Stem cell therapy, up to the sum insured.
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.
Expenses incurred outside India.
Exclusions
Related Variants
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We help you maximize your coverage over time for stronger protection.
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 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.
About the Company
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