IndiaBanks.org · independent research

Insurance

Star Cardiac Care Insurance Policy

Only Star health is the the Cardiac Health Insurance specialist who understands the plight of heart patients in India. We offer a custom made solution, just apt to ensure, you keep smiling during the time of need.

Policy typePost-cardiac-procedure health insuranceInsurerStar Health and Allied Insurance Company LimitedPlan optionsGold and Silver
Official product page ↗Compare category

Quick eligibility check

Star Cardiac Care Insurance Policy

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: PTCA/stenting or CABG within 7 years?

Published source: Cardiac eligibility

2Do you meet this requirement: corrected ASD/VSD or treated PDA?

Published source: Cardiac eligibility

3Do you meet this requirement: RF ablation?

Published source: Cardiac eligibility

4Do you meet this requirement: or angiogram with no medically necessary intervention?

Published source: Cardiac eligibility

5Do you meet this requirement: 10 to 65 years, for people who have undergone a qualifying cardiac procedure or investigation: PTCA/stenting or CABG within 7 years before proposal, corrected ASD/VSD, treated PDA, RF ablation, or an angiogram where no intervention was needed?

Published source: Entry age
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Bank of Baroda Star Cardiac Care Insurance Policy
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Policy typePost-cardiac-procedure health insuranceView source
The policy is for people who have undergone the named cardiac procedures or corrections.
Source
Star Cardiac Care Insurance Policy
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
InsurerStar Health and Allied Insurance Company LimitedView source
The official Bank of Baroda page identifies Star Health for this policy.
Source
Star Cardiac Care Insurance Policy
Page / section
Product identity
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Plan optionsGold and SilverView source
The official page lists Gold and Silver plan options.
Source
Star Cardiac Care Insurance Policy
Page / section
Benefits
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Key coverageGold and Silver plans cover accident/non-cardiac hospitalisation, cardiac hospitalisation, outpatient expenses and worldwide personal-accident death. Gold includes cardiac medical management plus surgery/intervention; Silver covers cardiac surgery/intervention only. Room, boarding and nursing are capped at ₹5,000 per day; ambulance at ₹750 per hospitalisation and ₹1,500 per policy period; pre-hospitalisation is up to 30 days and post-hospitalisation up to 60 days, subject to the published limits.View source
The brochure transcribes the four sections, plan differences and hospitalisation sub-limits.
Source
Star Cardiac Care Insurance Policy — Star Health brochure
Page / section
Page 1 — Coverage and Policy Benefits; Page 2 — Gold/Silver table
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Cardiac eligibilityPTCA/stenting or CABG within 7 years; corrected ASD/VSD or treated PDA; RF ablation; or angiogram with no medically necessary interventionView source
The eligibility section enumerates the qualifying cardiac histories.
Source
Star Cardiac Care Insurance Policy
Page / section
Eligibility
Accessed
20 Aug 2026
Confidence
high
Open official source ↗
Star Cardiac Care plan optionsStar Cardiac Care has Gold and Silver plans. Both cover hospitalisation for non-cardiac diseases and accidents and include an outpatient benefit and personal-accident death cover. Gold covers medical management plus surgical/interventional management; Silver covers surgical/interventional management only.View source
The official Benefits section compares Gold and Silver plan management and shared benefits.
Source
Star Cardiac Care Insurance Policy
Page / section
Benefits
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Star Cardiac Care eligibilityThe product is for people who underwent PTCA/stenting or CABG/bypass within the preceding seven years, or had corrected ASD/VSD, treated PDA, RF ablation for the cardiac condition, or an angiogram where no intervention was medically necessary.View source
The official Eligibility section publishes the qualifying cardiac procedures and seven-year lookback.
Source
Star Cardiac Care Insurance Policy
Page / section
Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Sum insured / cover₹3,00,000 or ₹4,00,000. The same chosen sum insured applies to Sections 1–3 together and to the Section 4 personal-accident death cover.View source
The brochure publishes ₹3,00,000 and ₹4,00,000 options; the personal-accident sum insured equals the chosen option.
Source
Star Cardiac Care Insurance Policy — Star Health brochure
Page / section
Page 1 — Sum Insured Options and Section 4
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Entry age10 to 65 years, for people who have undergone a qualifying cardiac procedure or investigation: PTCA/stenting or CABG within 7 years before proposal, corrected ASD/VSD, treated PDA, RF ablation, or an angiogram where no intervention was needed.View source
The brochure sets the eligible age at 10–65 years and lists each qualifying cardiac history.
Source
Star Cardiac Care Insurance Policy — Star Health brochure
Page / section
Page 1 — Eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Policy term1, 2 or 3 years. For a policy longer than one year, the sum insured and sub-limits are available separately for each policy year with no carry-over.View source
The brochure publishes one-, two- and three-year terms and says benefits do not carry over between years.
Source
Star Cardiac Care Insurance Policy — Star Health brochure
Page / section
Page 1 — Policy Term
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
PremiumThe reviewed bank page and linked brochure do not print a base premium. Instalment loading is published: quarterly payment +3% and half-yearly payment +2%; monthly, annual, biennial and triennial modes are listed.View source
The brochure lists payment modes and only the quarterly and half-yearly loadings; no base premium chart is printed.
Source
Star Cardiac Care Insurance Policy — Star Health brochure
Page / section
Page 1 — Instalment Facility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Waiting periodCardiac Section 2: 90 days, even when the cardiac condition is pre-existing. Section 1 non-cardiac/accident cover: 30 days for new illnesses (accidents excepted), 24 months for specified diseases/procedures and 36 months for pre-existing diseases; portability can reduce the latter periods where allowed.Effective 21 May 2024View source
The policy wording specifies the 90-day cardiac wait and 30-day, 24-month and 36-month Section 1 waits.
Source
Star Cardiac Care Insurance Policy — Star Health policy wording V.18
Page / section
Pages 2–3 — Section 2 waiting period; Exclusions 1–3
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Key exclusionsThe policy excludes or limits pre-existing diseases until 36 months, specified diseases/procedures for 24 months and new illness during the first 30 days (accidents excepted), plus investigation-only admissions, rest cure/custodial care, non-qualifying obesity surgery, cosmetic treatment, hazardous sports, breach of law, excluded providers, substance abuse, unproven/experimental treatment, sterility/infertility, maternity, dental treatment except accidental hospitalisation, sleep-apnoea/endocrine treatment, non-medically-necessary hospitalisation and the listed Section 4 accident exclusions.Effective 21 May 2024View source
All exclusion codes and the corresponding categories were reviewed in the nine-page policy wording; the source table below preserves the main published groups and conditions.
Source
Star Cardiac Care Insurance Policy — Star Health policy wording V.18
Page / section
Pages 2–5 — Exclusions 1–38 and Section 4 exclusions
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsGold and Silver plans cover accident/non-cardiac hospitalisation, cardiac hospitalisation, outpatient expenses and worldwide personal-accident death. Gold includes cardiac medical management plus surgery/intervention; Silver covers cardiac surgery/intervention only. Room, boarding and nursing are capped at ₹5,000 per day; ambulance at ₹750 per hospitalisation and ₹1,500 per policy period; pre-hospitalisation is up to 30 days and post-hospitalisation up to 60 days, subject to the published limits.View source
The manually reviewed product record states: “Gold and Silver plans cover accident/non-cardiac hospitalisation, cardiac hospitalisation, outpatient expenses and worldwide personal-accident death. Gold includes cardiac medical management plus surgery/intervention; Silver covers cardiac surgery/intervention only. Room, boarding and nursing are capped at ₹5,000 per day; ambulance at ₹750 per hospitalisation and ₹1,500 per policy period; pre-hospitalisation is up to 30 days and post-hospitalisation up to 60 days, subject to the published limits.”.
Source
Star Cardiac Care Insurance Policy — official product page
Page / section
Published product metadata
Accessed
20 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Gold and Silver plans cover accident/non-cardiac hospitalisation, cardiac hospitalisation, outpatient expenses and worldwide personal-accident death. Gold includes cardiac medical management plus surgery/intervention
  • Silver covers cardiac surgery/intervention only. Room, boarding and nursing are capped at ₹5,000 per day
  • ambulance at ₹750 per hospitalisation and ₹1,500 per policy period
  • pre-hospitalisation is up to 30 days and post-hospitalisation up to 60 days, subject to the published limits.

Eligibility

  • PTCA/stenting or CABG within 7 years
  • corrected ASD/VSD or treated PDA
  • RF ablation
  • or angiogram with no medically necessary intervention

Passing a listed condition does not mean the bank will approve an application.

Related official documents

Star Cardiac Care Insurance Policy — Bank of Baroda official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Star Cardiac Care Insurance Policy — Star Health brochurebrochure · current · accessed 29 Aug 2026
↗
Star Cardiac Care Insurance Policy — Star Health policy wording V.18policy-wording · current · accessed 29 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

1 — accident and non-cardiac ailments · Gold planHospitalisation cover

This value is copied from Star Cardiac Care Gold and Silver plan benefits. Check the table notes before relying on it.

Source: Star Cardiac Care Insurance Policy — Star Health brochure · Pages 1–2 — Policy Benefits Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 3 columnsStar Cardiac Care Gold and Silver plan benefitsCoverage table transcribed from the Star Health brochure and the Bank of Baroda product page.View tableHide table

Scroll sideways to view every column

Star Cardiac Care Gold and Silver plan benefits
SectionGold planSilver plan
1 — accident and non-cardiac ailmentsHospitalisation coverHospitalisation cover
2 — cardiac ailments and complicationsSurgical/interventional and medical managementSurgical/interventional management only
3 — outpatient₹500 per event; maximum ₹1,500 per policy period at a networked facility₹500 per event; maximum ₹1,500 per policy period at a networked facility
4 — personal accidentAccidental-death cover equal to chosen sum insured; worldwideAccidental-death cover equal to chosen sum insured; worldwide
  • Section 2 has a 90-day waiting period irrespective of whether the cardiac condition is pre-existing.
Star Cardiac Care Insurance Policy — Star Health brochure · Pages 1–2 — Policy Benefits · accessed 29 Aug 2026Open official source ↗
Table 2 · 12 rows · 3 columnsModern-treatment limits by sum insuredPer-person, per-policy-period limits from the current policy wording.View tableHide table

Scroll sideways to view every column

Modern-treatment limits by sum insured
Treatment / procedure₹3,00,000 sum insured₹4,00,000 sum insured
Uterine artery embolisation and HIFU₹37,500₹1,00,000
Balloon sinuplasty₹15,000₹40,000
Deep brain stimulation₹75,000₹2,00,000
Oral chemotherapy₹37,500₹1,00,000
Immunotherapy — monoclonal antibody injection₹75,000₹2,00,000
Intra-vitreal injections₹15,000₹40,000
Robotic surgeries₹75,000₹2,00,000
Stereotactic radio surgeries₹75,000₹1,75,000
Bronchial thermoplastyUp to sum insuredUp to sum insured
Vaporisation of prostateUp to sum insuredUp to sum insured
IONM (intra-operative neuro monitoring)Up to sum insuredUp to sum insured
Stem-cell therapy for haematological bone-marrow transplant₹75,000₹2,00,000
  • Limits are per person, per policy period for each treatment/procedure.
Star Cardiac Care Insurance Policy — Star Health policy wording V.18 · Page 4 — Modern treatment limits · effective 21 May 2024 · accessed 29 Aug 2026Open official source ↗
Table 3 · 10 rows · 2 columnsWaiting periods and key policy limitsPublished waiting periods and benefit caps used in the comparison row.View tableHide table

Scroll sideways to view every column

Waiting periods and key policy limits
ItemPublished limit or condition
Cardiac Section 2 waiting period90 days from first commencement, whether pre-existing or not
Initial waiting period for Section 130 days for illness; accidents excepted
Specified disease/procedure wait24 months of continuous coverage
Pre-existing disease wait36 months of continuous coverage; portability credit may apply
Room, boarding and nursingMaximum ₹5,000 per day
Emergency ambulance₹750 per hospitalisation; ₹1,500 per policy period
Pre-hospitalisationUp to 30 days before hospitalisation
Post-hospitalisationUp to 60 days after discharge; up to 7% of hospitalisation expenses and maximum ₹5,000 per hospitalisation
Cataract₹20,000 per hospitalisation; ₹30,000 for the policy period
Entry co-payment10% of each Section 1 claim when age at entry is 61 years or above
  • The brochure says no pre-acceptance medical screening is required; previous treatment records are submitted with the proposal.
Star Cardiac Care Insurance Policy — Star Health brochure · Page 1 — Policy Benefits and Exclusions · accessed 29 Aug 2026Open official source ↗

More from Bank of Baroda

Related products

Accident Care Individual Insurance Policy

Individual or family personal-accident cover underwritten by Star Health, with accidental death, permanent and temporary disablement, cumulative bonus and optional medical, hospital-cash and home-convalescence benefits.

View product

Arogya Sanjeevani Policy - National

A standard National Insurance indemnity health policy distributed through Bank of Baroda, available on an individual or floater basis with ₹1 lakh–₹5 lakh sum-insured options, hospitalisation and day-care cover, 5% co-pay, published waiting periods, full premium matrices and lifelong renewability.

View product

Auto Secure Private Car Package Policy - TATA AIG

Tata private-car package motor insurance distributed through Bank of Baroda. It combines own-damage cover for accident, fire, theft, natural and social perils with third-party liability, owner-driver personal accident cover, an -based vehicle sum insured and optional add-ons such as depreciation reimbursement, hire car, engine, tyre, roadside and misfuelling assistance.

View product

Auto Secure Two-Wheeler Package Policy - TATA AIG

Tata two-wheeler motor insurance distributed by Bank of Baroda, with liability-only or comprehensive cover, -based own-damage protection, owner-driver personal accident cover, published depreciation schedules and optional roadside, medical, invoice, consumable, personal-accident, engine, electric-surge, battery and tyre/rim covers.

View product