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Star vs Religare Cardiac Care health insurance

The Heart patient health insurance plan is specially designed for patients with Cardiac diseases. This is a special healthcare insurance policy for heart patients with multiple benefits. It offers coverage for Angioplasty and bypass surgeries.
star religare
Star Cardiac Care Religare Care Heart
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Sum Insured
Rs. 3, 4 Lakhs Rs. 3, 5, 7, 10 Lakhs
Policy period
1 year 1, 2, 3 years
Eligibility criteria
  • Entry age for adults is 18 years.
  • Exit age is 65 years.
  • Dependent children between 10 and 25 years
  • Entry age for adults is 18 years.
  • There is no limit on Exist age.
Coverage
  • Section 1: Hospitalization Cover for Accidents and Non-cardiac ailments
  • Section 2: Hospitalization Cover for Cardiac Ailments
  • Section 3: Cover for Outpatient medical expenses
  • Section 4: Personal Accident cover for Accidental Death
  • Individual: Maximum up to 6 Persons
  • Floater: 2 Adults (Self and Spouse)
Renewal
Lifelong renewal Lifelong renewal
In-patient Hospitalisation
Room Rent, Boarding and Nursing Expenses - Maximum of 5,000 per day Upto Sum Insured
Coverage 3 lakh 5, 7, 10 lakhs
Room Rent / Category Upto 1% SI per day Single Private Room
ICU Charges Upto 2% SI per day No limit
Pre Hospitalisation Expenses incurred
Upto 30 days 30 days
Post Hospitalisation Expenses incurred
Upto 60 days - Upto 7% of Hospitalisation Expenses, subject to a maximum of 5,000 60 days, Maximum upto 5% of Sum Insured
Ambulance Cover
Upto 750 per hospitalisation subject to a maximum of 1,500 per policy period
  • For Rs. 3, 5 Lakhs coverage - Upto 2,000
  • For Rs. 7, 10 Lakhs coverage - Upto 3,000
Day Care Procedures
All Day Care Procedures are covered Covered, Upto Sum Insured
Pre-policy Medical Check up
No No
Sub Limits for Treatment of Cataract
Expenses related to treatment of Cataract is limited to 20,000 per eye and 30,000 per policy period
  • For Rs. 3 Lakh coverage - Upto 20,000 per eye
  • For Rs. 5, 7, 10 Lakhs coverage - Upto 30,000 per eye
Co-pay
10% Co-payment applicable for all insureds above 60 years old and making a claim under Section 1
  • 20% Co-payment if the entry age <=70 years
  • 30% Co-payment if entry age>70 years
General waiting period
Section 1
  • 30 days for illness/diseases/treatments (Not applicable for accidents)
  • 24 months for specified illness/diseases/treatments
  • 48 months for Pre existing diseases
Section 2
  • 90 days waiting period irrespective of whether it is pre existing or not.
Section 3 and Section 4
  • No waiting period
  • Initial Waiting Period: 30 days
  • Specific Waiting Period: 24 month
  • Pre Existing Diseases: 24 months

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