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Insurance Plans Comparison

Care Classic vs Star Health Cardiac Care Silver & Gold Plan

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

VS
Star

Health 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.

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

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

Star Health Cardiac Care Silver & Gold Plan

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

Room Rent

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

VS

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
ICU Charges

Classic

No limit for SI ≥ ₹5 lakh.

VS

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Classic

Optional

VS

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

Disease-wise sublimits

Classic

Standard sublimits apply

VS

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

Cashless Healthcare Providers

Classic

10000+ network hospitals.

VS

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Classic

Standard No-Claim Bonus.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Classic

All Day Care Procedures are covered, subject to policy terms.

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Classic

Not Available

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Classic

Covered

VS

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.

Initial Waiting Period

Classic

30 days

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Classic

24 months

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Classic

36 months

VS

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.

Modern Treatment

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Classic

Available as add-on

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Classic

60 days

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Classic

180 days post-discharge

VS

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.

Outpatient Department Cover (OPD Expense)

Classic

Optional Add-on

VS

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.

Deductible Option

Classic

Available

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Classic

Individual or Family Floater

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Classic

95.45%

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

VS

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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From choosing the right policy to managing claims, every step is handled for you

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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  • One policy covers the entire family

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Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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