Star Health Cardiac Care Gold Plan
Star Health Insurance
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
Room Rent (Normal & ICU)
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 Periods
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.
Day Care Treatments
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.
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
Personal Accident Cover - Provides compensation for accidental death within 12 months of the incident.
Non-Cardiac Treatment Coverage - Extends coverage to medical expenses unrelated to cardiac conditions.
Add-ons
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About the Company
Star Health and Allied Insurance was founded in 2006 by Dr. A. Sakthivel, and its headquarters is located in Chennai, Tamil Nadu.
Star Health and Allied Insurance is a leading health insurance company in India, offering a range of plans to suit diverse customer needs. They specialize in medical, critical illness, and accidental insurance, providing affordable coverage to individuals and families. The company aims to ensure access to quality healthcare through an extensive network of hospitals. With over a decade of experience, Star Health continues to innovate in the insurance space, focusing on customer-centric services and simplifying claim processes.
About the Company
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