Star Cardiac Care Insurance Plan Benefits, Features, Buy & Renew

Star Cardiac Care Insurance Plan – Cardiovascular afflictions have been increasing at a disturbing rate in India. Treatment for cardiovascular infections can be costly. In this continuous pandemic circumstance and the flooding expenses of the medical services framework have caused numerous to understand the significance of health care coverage for cardiovascular related diseases. It’s subsequently indispensable to have a protection plan that monetarily shields you from the gamble of heart afflictions. For this very reason, Star Wellbeing presents the Star Cardiovascular Consideration Insurance Contract, a health care coverage plan for people who have gone through heart medical procedure, sidestep or stenting strategies.

Star Wellbeing Cardiovascular Consideration Insurance Contract is a remarkable and creative medical coverage contract sent off by the Star Wellbeing for the individuals who have gone through heart related therapy. Generally such people find it extremely challenging to get a medical coverage strategy and this will doubtlessly come as a major help. What improves it is the way that deep rooted reestablishment choice is accessible. The expenses at first look might appear to be high however when you think about the charges and the advantages for heart related medicines and the expenses in question, they really do appear to be sensible.

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Star Cardiac Care Insurance Plan

Cardiovascular consideration insurance is one of the sort contracts in the business offering total cover for heart and non-cardiovascular medicines. It gives health care coverage to heart patients and guarantees inclusion for all their cardiovascular necessities. It’s is a mix of cardio vascular and customary hospitalization needs. Star Heart Care Health care coverage is an arrangement explicitly intended for covering cardiovascular sicknesses. This plan is an ideal decision for the people who have gone through some clinical treatment connected with coronary illness.

This helps facilitate the monetary weight of those in such circumstance of treating rehash heart sicknesses and gives adequate cost inclusion. This arrangement additionally covers different cases for different heart conditions. These cases are, nonetheless, dependent upon the total protected. Cardiovascular consideration insurance contract offers careful, non-careful medicines and advantages like cover for current medicines, short term care and Individual Mishap cover for death because of mishap.

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Star Cardiac Care Insurance Plan

Star Cardiac Care Insurance Plan Details

Name Of ArticleStar Cardiac Care Insurance Plan
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About Star Cardiac Care Health Insurance

Star Cardiovascular Consideration Plan is a specific arrangement that gives inclusion to heart illnesses. It is the ideal clinical protection speculation decision for people who have gone through interestingly the named a medical procedure/mediation/remedy for the current cardiovascular infections.

A novel and illness indicated plan, Cardiovascular Consideration insurance contract is a definitive uniquely crafted arrangement, which any person between the age of 10 to 65 years can select. Accessible in two arrangement choices, Gold and Silver, Heart Care Strategy, under Area 1 (Hospitalization cover) gives inclusion to hospitalization costs for non-cardiovascular illnesses and mishaps. Under Segment 2 (Heart Area), Gold Arrangement covers both clinical administration and careful/interventional the executives for cardiovascular related infections while Silver Arrangement covers just careful/interventional the board.

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Eligibility Criteria

If you’re one of the millions of people in the US who have a heart condition, it’s important to know that you may be eligible for star cardiac care health insurance. Star cardiac care health insurance is a type of insurance that provides coverage for medical expenses, including hospitalizations and surgeries, for individuals who have a heart condition that meets certain criteria. If you’re interested in finding out if you’re eligible for star cardiac care health insurance, please read on for more information.

Any individual who comes in the age gathering of 10 years and 65 years and who has:

  • Gone through CABG (By-pass) methodology in the span of seven years time frame prior to buying the strategy or who has gone through PTCA (stenting).
  • Patent Ductus Arteriosus which has been dealt with.
  • Ventricular Septal Deformity (VSD) or Atrial Septal Imperfection (ASD) that is rectified.
  • One who has gone through RF Removal for adjusting any hidden heart condition.
  • Had an Angiogram done however no mediation therapeutically saw as required.


  • Star Cardiovascular Consideration Health care coverage plan offers inclusion for different heart illnesses that other health care coverage plans don’t cover.
  • Passing due to individual mishaps. In such an example, the insurance agency pays the aggregate protected that is referenced in the arrangement.
  • This plan likewise conceals charges of rescue vehicle to a specific cutoff.
  • Gives inclusion to short term costs caused at any organization office. The restriction of benefits under this is Rs.500 per occasion however it is dependent upon a limit of Rs.1500 per strategy residency.
  • Pre and post hospitalization costs are likewise covered according to the rules of the approach.

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Features & Benefits of Star Cardiac Care

If you’re like most people, you probably think of cardiac care as something that’s only needed in the event of a heart attack. But cardiac care is much more than that – it’s a vital part of preventive medicine, and can help protect your heart and other organs. In this article, we’ll discuss the features and benefits of star cardiac care, and explain why it’s such an important part of your health. Ready to learn more? Let’s get started!

Entry ageMinimum age: 10 years Maximum age: 65 years
RenewalLifelong renewal
Grace period for renewal30 days from the date of expiry of the policy
Policy TermOne year
Sum InsuredMinimum: 3 lacs, Maximum: 4 lacs
  • People from the age of 10 to 65
  • People who have gone through By-pass or Stenting method in something like 7 years before
  • proposition or Atrial Septal Imperfection or Ventricular Septal Deformity that has been adjusted or Patent Ductus
  • Arteriosus (PDA) that has been or gone through RF Removal to address the fundamental
  • cardiovascular condition or had an angiogram done however no mediation was medicinally viewed as vital.
Type of planIndividual
  • Gold plan
  • Silver plan
  • Covers hospitalization charges brought about because of disease or incidental injury
  • Covers hospitalization charges for a medical procedure because of heart inconveniences
  • Just the Gold arrangement covers Heart Clinical Administration
Key features
  • Inclusion for both in-patient and out-patient treatment under one arrangement
  • Previous illnesses are covered following four years of consistent protection
  • All candidates need to go through pre-acknowledgment clinical screening
  • Deep rooted sustainability
  • Pre hospitalization and post hospitalization charges are covered
  • multi day care medicines
  • Bother free case settlement
  • The Total Protected sum can be expanded at the hour of recharging
Tax benefitsTax benefits under section 80D of the Income Tax Act
Free look periodA free look time of 15 days from the date of receipt of the strategy is accessible for surveying the approach agreements.
  • Any ailment analyzed in somewhere around 30 days of origin of the arrangement isn’t covered
  • 2 years standard avoidance for illnesses, for example, hernia, waterfall, heaps, kidney stones, sinus, knee substitution and the sky is the limit from there
  • 10% copay in the event that you enter the strategy at 61 years old and the sky is the limit from there
    Analytical medicines
  • Corrective medical procedure
  • Naturopathy treatment
  • Prior illnesses other than cardiovascular related infections will be covered from the fifth year

Cancellation Policy:

A policyholder can drop this strategy by giving a composed notification time of 15 days and in such an occasion the insurance agency discounts the expense for the unexpired time of the approach as referenced beneath:

Period on RiskPremium Rate to Be Paid
Up to one month22.5% of the policy premium
More than one month to three months37.5% of the policy premium
More than three months to six months57.5% of the policy premium
More than six months to nine months80% of the policy premium
More than nine monthsFull policy premium

Tax Benefits Under Star Health Cardiac Care Insurance

In the event that you pay the approach expenses other than cash mode, you are qualified for a personal tax cut according to the overarching personal duty regulation. Under Segment 80(D) of the Personal Expense Act 1961, you can guarantee a duty exclusion up to INR 1.5 lakh in a monetary year.

Exclusions in Star Health Cardiac Care Insurance Plan

If you have a heart problem, it’s important to know about the exclusions that may apply to your Star Health Cardiac Care insurance plan. These exclusions could mean that you won’t be able to receive the care that you need, and might even lead to your death. So if you’re considering signing up for a cardiac care insurance plan, it’s important to read the exclusions carefully. Here are some of the most common exclusions.

  • Coming up next are the significant idea of costs wouldn’t be covered under this arrangement:
  • Costs brought about for Heart related treatment in the initial 90 days of the arrangement
  • Any non-heart related prior ailment is covered solely after 4 years of consistent recharging
  • Treatment for any sickness or ailment in the initial 30 days of the arrangement except if caused because of a mishap
  • For the first 2 years costs of medicines for varicose veins, knee and joint, waterfall, sinusitis, tonsillitis, hysterectomy, heaps, fistula, nerve bladder calculi, renal calculi, thyroid, hernia , varicose ulcer, infections of fallopian tube/ovaries are not covered
  • Medicines for maternity related costs
  • Dental treatment except if because of a mishap
  • Cost of portable amplifiers, contact focal points, exhibitions, braces, wheel seats and other comparable guides
  • Naturopathy and other eccentric medicines
  • Absolutely demonstrative tests not related the any current infection/condition


In conclusion, Cardiac Care is a wonderful Star Health product because it covers cardiac diseases at a price that is uncommon for other plans. By providing all of the benefits that come with basic health insurance, it also provides a high level of satisfaction to its customers.

You must select the online platform to buy the product online. Insurance Dekho is one of the market’s reputable health insurance brokers. If you want to purchase health insurance quickly and without a lot of paperwork, this is the best option for you. Another advantage of purchasing it online is that you can fill out your proposal form on your own and prevent others from editing or changing it, unlike in the offline process. So, all you have to do is go online and find the best deal for you and your loved ones.

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