Insurance Plans Comparison
Star Health Cardiac Care Silver & Gold Plan vs Care Advantage
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Cardiac Care Silver & Gold Plan
Health Insurance for Individuals with a History of Cardiac Conditions
What Makes It Special:
Cardiac-Focused Health Insurance
Best For:
Customers seeking specified modern treatment and eligible AYUSH coverage.
Individuals seeking outpatient benefits at network hospitals.
Customers comparing Silver and Gold cardiac coverage options.
Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.
Individuals with a qualifying history of cardiac conditions or procedures.
VS
Advantage
Care Advantage Health Insurance
What Makes It Special:
Premium plan offering high Sum Insured up to ₹1 Crore with optional global coverage.
Best For:
Nationwide cashless treatment network
High sum insured with flexible add-ons
Broad coverage including AYUSH and daycare
Comprehensive health and wellness protection
Insurance Plans Comparison
Get Personalized Advice
Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.
Quick Decision Guide
Check the outpatient benefit limit and network hospital requirements.
Review the room rent limit and post-hospitalisation benefit limit.
Check the 10% co-payment applicable from age 61.
Understand the 30-day initial waiting period and other applicable waiting periods.
Review the 90-day cardiac waiting period.
Compare the cardiac coverage offered under Silver and Gold.
Check whether you meet the policy’s cardiac eligibility criteria.
You want flexibility in sum insured and add-on benefits
You value regular health check-ups and ambulance coverage
You seek cashless hospitalization services across many hospitals
You prefer optional add-ons for extra critical illness cover
You want extensive hospital and daycare coverage
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Health Cardiac Care Silver & Gold Plan Health Insurance Plan VS VS |
Advantage Health Insurance Plan |
| Room Rent |
|---|
Health Cardiac Care Silver & Gold Plan
|
VS VS |
Advantage All room categories are covered |
| ICU Charges |
|---|
Health Cardiac Care Silver & Gold Plan Covered as part of eligible hospitalisation expenses, subject to policy terms. |
VS VS |
Advantage No restriction on ICU room rent |
| Co-payment |
|---|
Health Cardiac Care Silver & Gold Plan 10% for insured persons aged 61 years and above at policy purchase or renewal. |
VS VS |
Advantage Available as an option |
| Disease-wise sublimits |
|---|
Health Cardiac Care Silver & Gold Plan Sublimits apply to specified treatments, including cataract and modern treatments. |
VS VS |
Advantage No |
| Restoration Benefit |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Advantage Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cashless Healthcare Providers |
|---|
Health Cardiac Care Silver & Gold Plan Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions. |
VS VS |
Advantage 21700+ Healthcare Providers |
| Daycare Treatment |
|---|
Health Cardiac Care Silver & Gold Plan Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Advantage Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Cumulative Bonus |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Advantage For every year you don’t make a claim, your sum insured increases by 10%. You can pay an additional premium to increase Sum Insured up to 100%, every year, without any upper limit |
| AYUSH Treatment |
|---|
Health Cardiac Care Silver & Gold Plan Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. |
VS VS |
Advantage Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Consumable Cover |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Advantage No. However, available as an add-on |
| Initial Waiting Period |
|---|
Health Cardiac Care Silver & Gold Plan 30 days, except for covered accident-related claims. |
VS VS |
Advantage 30 days |
| Specific Waiting Period |
|---|
Health Cardiac Care Silver & Gold Plan 24 months for specified diseases and procedures. |
VS VS |
Advantage 2 years |
| PED Waiting Period |
|---|
Health Cardiac Care Silver & Gold Plan 36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period. |
VS VS |
Advantage 3 years |
| Modern Treatment |
|---|
Health Cardiac Care Silver & Gold Plan Specified modern treatments are covered within the applicable treatment limits. |
VS VS |
Advantage Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Advantage Health checkup is not included as part of base cover. However, you can opt for the Annual Health Checkup Add-on to avail health checkup once per Policy Year |
| Pre-Hospitalisation |
|---|
Health Cardiac Care Silver & Gold Plan Covered for up to 30 days before hospital admission. |
VS VS |
Advantage You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Health Cardiac Care Silver & Gold Plan Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation. |
VS VS |
Advantage You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Cardiac Care Silver & Gold Plan Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India. |
VS VS |
Advantage OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| Deductible Option |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Advantage Available as an option |
| Coverage Options |
|---|
Health Cardiac Care Silver & Gold Plan Individual coverage with Silver and Gold plan options. |
VS VS |
Advantage Available coverage options: ₹25L, ₹50L,₹1Cr, ₹2Cr, ₹3 Cr, ₹6 Cr |
| Claim Settlement Ratio |
|---|
Health Cardiac Care Silver & Gold Plan Insurer-level metric, not a policy benefit. |
VS VS |
Advantage 96% |
| Maternity Cover |
|---|
Health Cardiac Care Silver & Gold Plan Not covered, except where the policy provides an applicable accident-related exception. |
VS VS |
Advantage Not available |
Insurance Plans Comparison
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