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Star Health

Cardiac-Specific Policy: Designed for cardiac patients, this policy covers expenses for angiograms, cardiac devices, and even heart transplants, with just a 30-day waiting period.

What We Like

This section highlights the strengths and benefits of Cardiac Care Platinum policy by Star Health. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

You can pick a Single Private room but nothing fancy

Room Choice Co-Payment: You can share a room or have a single room for yourself. But if you're looking for something fancier, be ready to foot part of...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

Free Health Checkups

Annual Full Body Checkup (?2000 to ?4000): If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condi...

Some Restoration Benefit

Full Cover Restoration for Different Complications: After a partial claim, the insurer will fully restore your cover if you are hospitalized again for...

Special Bonus for being healthy and not claiming insurance

Sum Insured Increase (10% Annually, Cap at 100%): Your sum insured increases by 10% each year, provided no claims are made during this period. The bon...

Doctor consultations covered

General Checkup (?2500 to ?5000): If you’re feeling sick and want to visit your family physician for a general checkup, the insurer will cover the cos...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Cardiac Care Platinum policy by Star Health. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Pre & Post hospitalization expenses covered

No Domiciliary Cover: The insurer will not cover the costs if you are forced to hospitalize at home due to a medical condition. This is known as a pol...

What We Don't Like

This section addresses the limitations and drawbacks of Cardiac Care Platinum policy by Star Health. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Your insurer won’t pay the full bill for certain diseases

Different Limits for Cardio, Cataracts, and Modern Treatments: The insurer will impose different limits on some cardiovascular conditions, cataracts, ...

Long waiting period for pre-existing diseases

Different Limits for Cardio, Cataracts, and Modern Treatments: The insurer will impose different limits on some cardiovascular conditions, cataracts, ...

No coverage if you are forced to hospitalize at home

Hypertension or Diabetes Coverage: If you have pre-existing conditions such as hypertension or diabetes, the insurer will cover all related costs only...

No Cover for Alternative Medicine

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Long waiting period for pre-existing diseases

Different Limits for Cardio, Cataracts, and Modern Treatments: The insurer will impose different limits on some cardiovascular conditions, cataracts, ...

No coverage if you are forced to hospitalize at home

Hypertension or Diabetes Coverage: If you have pre-existing conditions such as hypertension or diabetes, the insurer will cover all related costs only...

No Cover for Alternative Medicine

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

No coverage if you are forced to hospitalize at home

Hypertension or Diabetes Coverage: If you have pre-existing conditions such as hypertension or diabetes, the insurer will cover all related costs only...

No Cover for Alternative Medicine

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

No Cover for Alternative Medicine

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Cardiac Care Platinum in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Cardiac Care Platinum Plan is specifically designed for individuals with pre-existing heart conditions, offering comprehensive coverage for cardiac treatments.

Yes, pre-existing heart conditions are covered after a waiting period of 24 months.

Yes, the plan includes coverage for alternative treatments like Ayurveda and Homeopathy, specifically for heart-related conditions.

Yes, the plan includes coverage for outpatient consultations, including visits to cardiologists and other specialists.

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