Star Health Cardiac Care Insurance Policy: Everything you Need to know in 2025

Heart-related illness is an increasingly popular issue in India with millions to suffer. With the rising cost of health care particularly in cardiac care, correct health insurance coverage is essential. It is to these needs that the Star Health Cardiac Care Insurance Policy lends itself with those extra values that are exclusive to individuals with existing or at-risk heart conditions.

This paper examines the policy giving information about its main features and advantages and drawbacks, prices in the year 2025, and so forth, trying to make the decision whether this plan of cardiac care can satisfy you not only in the terms of the quality of care but also in the financial aspect in the case of your heart diseases.

What is Star Health Cardiac Care Insurance Policy?

Star Health Cardiac Care Insurance Policy is a health insurance plan that focuses on heart problems. It is tailored to fit the people who have been done with minor cardiac operations or those with known cardiac diseases.

This plan takes into consideration those risks unlike most general health policies which do not cover pre-existing heart conditions. It provides a financial cover against the high costs of hospitalization, surgeries and treatment of the heart diseases.

Who needs to look at Star Health Cardiac Care Plan in 2025?

In case you or your family members have any kind of heart related health problem, this policy gives you some cut out cover that is above the ordinary mediclaim. The perfect match for:

• Patients who are already undergoing percutaneous procedures such as angioplasty
• Patients with recorded cardiac history
• Individuals who want to cover any cardiac problems in the future without a huge queue waiting period

In 2025, the need for such policies is only growing, as cardiovascular diseases (CVD) are now the leading cause of death among Indians aged 30–60.

Did you know? By March 2024, the Indian Council of Medical Research estimates that over 32 percent of urban Indians will demonstrate early signs of cardiac risk.

What Is the Policy Most Important or Highlighted?

Star Cardiac Care is a system carrying with itself features that do actually serve the cardiac patients:

• The age of entry begins at 10 years old until 65 years old
• Covers those people who have had some cardiac procedures at least 6 months before
• None of the medical check-ups will be needed before purchase as long as basic conditions are observed
• Hospitalization insurance of cardiovascular and non-cardiovascular diseases
• Coveted services by up to date medicine and cardiac operations like valve replacements, bypasses, heart pacemakers, stent surgery and others
• ICU charges and rent limits of rooms were included
• Pre and post-hospitalization expenses covered (usually 30 and 60 days respectively)
• Two options for Sum Insured: Rs 3 lakh and Rs 4 lakh (as per 2025 updates)
• Treatment that is cashless and available in India in the countless number of hospitals (14, 000 plus)
• An upper age barrier after entry absent lifelong renewability
• Income tax Act section 80D concessions

Does This Policy Have a Waiting Period?

Yes, but it is shorter as compared to other plans. Most of the policies require a waiting period of 90 days upon the purchase of the policy to declare their cardiac cases. Waiting period with respect to other pre-existing ailment other than heart related disorders is 48 months.

What Will be the Cost of the Cardiac Care Policy in 2025?

The premiums are dependent on the age, nature of sum insured, and the heart condition.

Prices can vary in reality depending upon discounts, add ons and geographical locations. Importantly, pre-policy checkups may not be required if you’ve had your heart procedure within the last two years.

Why Is This Policy Superior to Regular Health Insurance?

Mediclaim plans are generally not provided to heart patients or are provided at a high premium hence the cost of insurance becomes prohibitive. Star Cardiac Care on the other hand:

• Takes pre-existing cardiac histories Accepts
• Proposed benefits are specialized services that are modern when it comes to heart treatments
• Does not have bulky claims and renewals

Other people query as follows:

Will I be able to purchase Star Cardiac policy in case I underwent angioplasty?
Yes, you can apply if it’s been more than 6 months since your angioplasty or similar procedure.

What is Star Cardiac Care Insurance Covered?

The scheme is inclusive as it addresses many potential cases involving the issue of heart health and general hospitalization.

What are the Hospital and Medical Expenses that the Policy will Cover?

• Inpatient treatment of cardiac diseases and the majority of non-cardiac ones
• Significant heart operations such as CABG Bypass surgery, Valve replacement and implantation of devices and others
• Daycare procedures which do not need a 24-hour stay (like angioplasty)
• Pre-hospitalization (up to 30 days) and post-hospitalization (up to 60 days) costs
• Costs of heart related researches and counselling
• The costs of cardiac-related transplants through organ donors
• Ambulance charges (up to set limits)
• The upgrade includes modern surgeries through robots and minimally invasive heart surgeries as per 2025 advances in the medical world

Does it Include Outpatient or OPD Expense?

No this policy is not really going to cover stand alone out-patient costs but will cover you should you be admitted as an in patient to deal with your heart problems.

What are the exclusions at the Cardiac Care Policy?

It is also crucial to know what is not covered to end up surprised.

• Any illness or surgery within the first 90 days of policy start (for declared cardiac conditions)
• Unreported and untold heart condition or acute illness during exclusion periods
• Prior preexisting condition besides those declared, in their normal waiting period
• Surgeries, non-essential body work, cosmetic, aesthetic therapies
• Hospitalisation due to pregnancy and maternity
• Unproven or experimental treatment

Expert insight:
Most people overlook reading exclusions- ensure that you give the medical history depending on your honesty so as to avoid unnecessary hiccups in the process.

What are Pros and Cons of Star Health Cardiac Care Insurance?

These considerations include the negative and positive aspects of making a balanced insurance decision.

Pros

• Specifically designed to suit cardiac patients, as opposed to generic plans
• Less stringent eligibility requirements on entry to the organization
• Cashless hospitalization wide-spread net.
• Replacement throughout life
• It is very cost effective as compared to most of the high-exclusion plans or top-up plans

Cons

• Sum insured is limited (maximum Rs 4 lakhs as of 2025)
• Other comorbidities also still have to be excluded
• No coverage of OPD or regular doctor consultation
• No direct international coverage (valid only in India)
• Restriction to some of the processes and renting of rooms

Did you know?
The Star Cardiac Care renewal levels in 2025 have only grown by 8 percent of last year, and the company is still below its competitors in the high-risk category plans.

Claiming Star health on Cardiac Care Policy?

They have also simplified the claim process to make their hospital experiences smooth.

What Is the Step-by-Step Procedure of Making Claims?

• One should contact the insurer 24 hours in advance in the event of a planned hospitalization, or within 24 hours in the event of emergency admission
• Upload necessary papers, such as diagnosis reports, discharge summary, bills, and KYC
• Take advantage of the cashless facility by reporting to a network hospital using your health card
• The insured is liable to pay all bills in excess of sum insured
• When treated in other than network hospital, reimbursement should be applied within 15 days of being discharged

People also ask:

Are all claims required to be pre-authorized?
Pre-authorization of cashless claims in network hospitals is guaranteed and the authorization happens in time.

What is the comparison of Star Cardiac Care to other cardiac plans?

In 2025, there are certain insurers with plans of a similar kind. A comparison, which will assist you in making the choice, is given below.

Hacker hint: when you need bigger sum insured, look at top-ups or bundling of policies.

Star cardiac care insurance buying process in 2025?

Which Documents Are Requirements to Apply?

• Address proof photocopy and ID proof
• Past cardiac procedure documentation (discharge summary, lab reports)
• KYC documents according to existing rules of IRDAI
• Medical and personal form proposal

This is done either over the internet or in any of the Star Health branch offices.

People also ask:

Is this policy available to purchase online?
Indeed, Star Cardiac Care policy can be easily maintained online at website of starhealth insurance or through leading insurance aggregators both in renewal and application.

Is Star Cardiac Care Insurance tax deductible?
Absolutely. The premiums paid are claimable under Section 80D- up to Rs 25,000 per year for self and family that is less than 60 years of age and up to Rs 50,000 when the proposer or members of family are elderly.

Did you know?
In Budget 2024, the government has increased the scope of Section 80D to cover additional heart-related health covers with the health insurance policy.

Who May Not Problematic of This Policy?

You can not qualify under the following circumstances:

• Your previous heart attack was less than 6 months back
• You failed to disclose all of your cardiac history when you purchased the rides
• You have a terminal case of heart failure or require an emergency unplanned operation

Renewal Policy of the Policy.

At Star Health you get the assurance of life time renewal as long as you make the payments on time. It has no maximum age limit after the primary enrolment hence one of the most convenient plans to cardiac patients.

People also ask:

Do we need medical checkup at re-registration?
Not unless you have suffered new cardiac attacks since last policy period; in which case, renewal is automatic.

In Short / Resume

Star Health Cardiac Care Insurance Policy is a first of its kind cardiac specific health insurance product to Indians with cardiac history or who have not yet developed cardiac issues. The plan coverage extends up to 4 lakh, and short waiting period as well as no pre-policy checkup make it affordable to heart patients as well as their family members.

Purchase other plans by comparing on sum insured, eligibility and hospitals covered under a network. Explain the truth about your medical history and get acquainted with all the terms in the policies to prevent rejection when filing the claim.

Questions That People Ask

1. When can I purchase Star Cardiac Care after my cardiac treatment?
   Its application can take place after six months since the last cardiac procedure.

2. Will Star Cardiac Care cover heart attacks in future?
   Yes, future cardiac events and cardiac procedures are covered with an initial waiting out period.

3. Is a health checkup mandatory prior to purchase of policy?
   Usually not, provided you have legitimate finding in your previous cardiac operation.

4. What will happen to me when I fail to renew the policy on time?
   It has 30 days grace period. In case you lose payment and grace period, then you will have to reapply and have to list complete history once again.

5. Will I be able to port my old health plan into Star Cardiac Care?
   No, standard health insurance cannot be ported to this cardiac-specific scheme; one will have to buy it separately.

6. Do these lifestyle diseases such as diabetes count?
   Only those which are declared and following normal periods of waiting when it comes to non cardiac pre-existing conditions.

Sources:

The official site of Star Health and Allied Insurance Co. Ltd. - https://www.starhealth.in/
IRDAI Health Insurance Circulars – irda.gov.in/
Indian Council of Medical Research CVD Report, https://www.icmr.gov.in/
Budget 2024,80D, Income Tax India at https://www.incometaxindia.gov.in/