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Star Health Cardiac Care (Platinum)

Introduction to Star Health Cardiac Care (Platinum)

Star Health Cardiac Care (Platinum) is a health insurance policy offered by Star Health and Allied Insurance Company Limited. A health insurance plan protects you from unforeseen medical expenses, which can be a significant financial burden. You can ensure that you receive the necessary medical care without having to worry about the costs. Star Health's Cardiac Care (Platinum) Plan is specially designed to cater to people with pre-existing cardiac conditions, providing them comprehensive coverage and enabling them to focus on their well-being without worrying about the exorbitant expenses.

Verdict: Star Health Cardiac Care (Platinum)

This plan is specially tailored to meet the needs of people with pre-existing heart-related conditions. It includes coverage for both heart-related expenses and other hospitalization costs. However, it falls short in terms of comprehensive coverage. Important benefits such as domestic treatment coverage are missing, and there are limitations on core benefits, like modern treatment coverage. Additionally, there is no option for monthly premium payments and is expensive than other products in the market. Further, our research indicates that the insurer has received a higher number of claim settlement complaints as well as policy purchase complaints, suggesting a poor track record in terms of both purchase and claims service experience.

Pros & Cons: Star Health Cardiac Care (Platinum)

  • arrow Tailored coverage for cardiac-related conditions
  • arrow Covers expenses incurred on cardiac devices like Pacemaker, AICD, etc
  • arrow Covers costs associated with harvesting and transportation of heart by road or air
  • arrow Covers outpatient department costs, such as medications, tests, consultations, etc.
  • arrow Expensive than other products in the market
  • arrow Limitations on the type of hospital room you choose
  • arrow Monthly premium payment mode not available
  • arrow Does not cover domiciliary treatment expenses
  • arrow Sub-limits on some core benefits like modern treatments, etc.
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Star Health Cardiac Care (Platinum)

01 Circumcision unless necessary for treating a disease or injury
02 Expenses for treatment related to external birth defects
03 Treatment related to general debility, convalescence, run-down condition and nutritional deficiency states
04 Treatment related to intentional self inflicted Injury or attempted suicide by any means
+ Show 10 more

Special Conditions: Star Health Cardiac Care (Platinum)

01 Expenses incurred on cardiac devices are covered up to 50% of the Sum Insured


About Star Health and Allied Insurance Company Limited

Star Health and Allied Insurance Company Limited logo

Star Health and Allied Insurance Company Limited is India’s first Standalone Health Insurance provider. The company offers products that cater to everybody, be it individuals, families, or corporations. It was founded in 2006 and is headquartered in Tamil Nadu, Chennai. Mr. V. Jagannathan is the company's chairman and CEO.

Founded in
2006
JV Partners
-
Turnover (GWP)
3268.54 Crores
Number of Policies
17,01,565
Number of Claims
4,70,803

Detailed Product Specs: Star Health Cardiac Care (Platinum)

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
95.22%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.72%
Claims Incurred Ratio
65.41%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
61.98%
No. of Cashless Hospitals
14,000+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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