Star Cardiac Care Insurance Policy-Platinum – aasthainsurers

Star Cardiac Care Insurance Policy-Platinum


In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
Room Rent Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
Road Ambulance Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.
Day Care Procedures Medical treatments and surgical procedures that require less than 24 hours of hospitalisation due to technological advancements are covered.
Cataract Treatment Expenses incurred for Cataract treatment are payable up to the limits mentioned in the policy clause.
Modern Treatment Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
E-Medical Opinion E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
Rehabilitation & Pain Management Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year.
Automatic Restoration On exhaustion of the limit of coverage,100% of the basic Sum Insured will be restored once in the policy period which can be utilized only for illness unrelated to the illness for which claim was already made. This benefit is not available for modern treatment and cardiac ailment.
Cumulative Bonus Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.
Health Check-Up After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.
Wellness Services This program intends to promote, incentivize and to reward the Insured Persons’ healthy lifestyle through various wellness activities.
AYUSH Treatment Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured.


In-patient Hospitalisation Hospitalisation expenses incurred for a period of more than 24 hours on account of  illness, injury or accidents are covered.
Pre-Hospitalisation In addition to in-patient hospitalisation, the medical expenses incurred up to 30 days before the date of admission to the hospital are also covered.
Post-Hospitalisation Post-hospitalisation medical expenses up to 60 days from the date of discharge from the hospital are covered.
Room Rent Room (Single Private A/C Room), boarding and nursing expenses incurred during in-patient hospitalisation are covered.
Road Ambulance Ambulance charges incurred for transporting the insured person to the hospital are covered by private ambulance services are covered.
Modern Treatment Expenses incurred for modern treatments such as Oral Chemotherapy, Intra Vitreal injections, Robotic Surgeries, etc. are covered up to the limits mentioned in the policy clause.
E-Medical Opinion E-Medical Opinion facility from the Company’s expert panel is available on the request initiated by the insured person.
Cardiac Devices Expenses incurred on cardiac devices like Pacemaker, CRT-D and AICD are covered up to 50% of the Sum Insured.
Heart Transplantation Expenses incurred towards harvesting and transportation of heart by road or air are covered up to 200% of the basic Sum Insured.
Conventional Coronary Angiogram Test Expenses incurred for Coronary Angiogram test are covered up to the limits mentioned in this policy.
Rehabilitation & Pain Management Expenses incurred for Rehabilitation and Pain Management are covered up to the specified sub-limit or maximum up to 10% of the basic Sum Insured, whichever is less, per policy year.
Cumulative Bonus Cumulative bonus is provided at 10% of the basic Sum Insured for each claim-free year subject to a maximum of 100% of the opted Sum Insured.
Health Check-Up After completing each policy year, health check-up expenses are covered up to the specified limits irrespective of the claim.
Wellness Services This program intends to promote, incentivize and to reward the Insured Persons’ healthy lifestyle through various wellness activities.
AYUSH Treatments Medical expenses for Inpatient Hospitalization incurred on treatment under Ayurveda, Unani, Sidha and Homeopathy systems of medicines in a AYUSH Hospital is payable up to the sum insured


Outpatient Expenses (Including Vaccination) Outpatient Expenses (including vaccination) incurred at Networked Facility are payable up to the limits mentioned in the policy clause.

Please refer to the Policy Documents to know the policy details and Terms & Conditions.