Insurance Plans Comparison
Care Freedom vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreFreedom
Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period
What Makes It Special:
Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.
Best For:
Buyers wanting consumable daily allowance
Families looking for annual health check-ups.
Individuals seeking health insurance without undergoing pre-policy medical screening.
Customer is looking for a short two year PED waiting period
Buyers managing diabetes, hypertension, or elevated BMI.
VS
Cardiac Care Platinum
Health cover for heart patients with cardiac cover from day 31, plus non-cardiac, OPD and health check-up benefits.
What Makes It Special:
A specialised health plan for people who have already had heart treatment, including cardiac surgery or a procedure. It covers heart-related hospitalisation after 30 days, as well as non-cardiac illness and accident cover, OPD expenses and an annual health check-up.
Best For:
Patients who may need cardiac devices such as pacemakers or AICD.
People who want heart and non-heart hospitalisation in one plan.
People wanting cardiac cover after a 30-day waiting period.
Heart patients who find it hard to get a regular health policy.
People aged 7 to 70 who have had cardiac surgery or a procedure, such as angioplasty or bypass.
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
Co-payment provisions applied based on age
In-built, one time, automatic sum insured recharge
Includes annual health checkups for all covered adult member.
Requires no pre-policy medical checkup across all ages and sum insured choices.
Features are reduced 24 months waiting period for pre-existing diseases.
Things to Consider: Maternity is not covered, and the premium is higher than a standard health plan.
Things to Consider: Sublimits apply to cataract, cardiac devices, angiogram, rehabilitation and modern treatments.
Things to Consider: Restoration does not apply to cardiac claims or modern treatments.
Things to Consider: Sum Insured is capped at ₹15 lakh.
Things to Consider: Non-cardiac pre-existing diseases have a 36-month waiting period.
Reasons to Consider: Cardiac devices up to 50% of SI, heart transplantation and coronary angiogram are specifically covered.
Reasons to Consider: OPD expenses and an annual health check-up are paid in addition to the Sum Insured.
Reasons to Consider: Hospitalisation includes a single private AC room.
Reasons to Consider: No pre-policy medical tests are required, but past medical records must be submitted.
Reasons to Consider: Cardiac ailments, including pre-existing heart conditions, are covered after only 30 days.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Freedom Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Freedom For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered. |
VS VS |
Cardiac Care Platinum Single Private A/C Room; proportionate deduction applies for a higher room category, except where the hospital does not use differential billing. |
| ICU Charges |
|---|
Freedom ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options. |
VS VS |
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated. |
| Co-payment |
|---|
Freedom 20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms. |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Freedom Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures. |
VS VS |
Cardiac Care Platinum Cataract: ₹30,000 per eye (maximum ₹40,000 per year) for SI ₹5L; ₹40,000 per eye (maximum ₹60,000 per year) for higher SI. Cardiac devices up to 50% of SI; conventional coronary angiogram ₹20,000 for SI up to ₹7.5L or ₹25,000 above; rehabilitation and pain management up to 10% of SI; modern treatment sublimits apply; coronary stents are subject to DPCO/NPPA caps. |
| Cashless Healthcare Providers |
|---|
Freedom 11,600+ cashless network hospitals are available across India. |
VS VS |
Cardiac Care Platinum Cashless treatment is available at Star Health network hospitals for Sections 1 and 2. Reimbursement is available at non-network hospitals; network hospital count requires verification. |
| Restoration Benefit |
|---|
Freedom Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims. |
VS VS |
Cardiac Care Platinum Automatic restoration of 100% of Basic Sum Insured once per policy period under Section 1 only, for unrelated illness; not available for cardiac ailments or modern treatments. |
| Cumulative Bonus |
|---|
Freedom No cumulative bonus is available. |
VS VS |
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD. |
| Daycare Treatment |
|---|
Freedom Covers all eligible Day Care Procedures up to the sum insured. |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Consumable Cover |
|---|
Freedom Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days. |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| AYUSH Treatment |
|---|
Freedom Covers AYUSH treatment expenses up to the sum insured during the policy period. |
VS VS |
Cardiac Care Platinum In-patient AYUSH treatment is covered up to the Sum Insured under Sections 1 and 2. Yoga and Naturopathy require prior approval. |
| Initial Waiting Period |
|---|
Freedom 30 days for all illnesses, except accidental injuries. |
VS VS |
Cardiac Care Platinum 30 days for illness under Section 1; accidents are covered from day 1. Section 2 cardiac cover also has a 30-day waiting period. |
| Specific Waiting Period |
|---|
Freedom 2 years for specified named ailments. |
VS VS |
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
| PED Waiting Period |
|---|
Freedom 2 years for pre-existing diseases. |
VS VS |
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2. |
| Modern Treatment |
|---|
Freedom Coverage for treatment using specified advanced technology methods is not available under the plan. |
VS VS |
Cardiac Care Platinum Covered under Sections 1 and 2, subject to treatment-wise sublimits by Sum Insured. Examples: robotic surgery ₹2.5L–₹4L; oral chemotherapy ₹1.25L–₹2.5L; immunotherapy ₹2.5L–₹5L. Bronchial thermoplasty, prostate vaporisation and IONM are covered up to the Sum Insured. These benefits are part of the Sum Insured. |
| Annual Health Checkup |
|---|
Freedom Annual health checkup is available for all adult members insured under the policy. |
VS VS |
Cardiac Care Platinum Covered every policy year irrespective of claims at network facilities: ₹2,000 for SI ₹5L and ₹7.5L, ₹3,000 for ₹10L, and ₹4,000 for ₹15L; in addition to the Sum Insured. |
| Pre-Hospitalisation |
|---|
Freedom Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option. |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Freedom |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Freedom OPD expense is not included in the base plan. |
VS VS |
Cardiac Care Platinum Covered at network facilities, including vaccination, on a reimbursement basis: ₹2,500 / ₹3,000 / ₹3,500 / ₹5,000 per policy period for SI ₹5L / ₹7.5L / ₹10L / ₹15L. In addition to the Sum Insured. Cardiac treatment is payable under Section 2, not under OPD. |
| Deductible Option |
|---|
Freedom Not available as a standard deductible option. |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Freedom Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
VS VS |
Cardiac Care Platinum Sum Insured ₹5L, ₹7.5L, ₹10L, or ₹15L. Entry age 7–70 years with a past cardiac ailment treated by surgical intervention or procedure. Policy term 1, 2, or 3 years; lifelong renewal. |
| Claim Settlement Ratio |
|---|
Freedom 96.3% for the period April 2025 to December 2025. |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Freedom Not available. |
VS VS |
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
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?
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
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Freedom vs Optima Secure
Freedom vs Super Mediclaim
Freedom vs Health Recharge
Freedom vs Cancer Cover Activ Cancer Secure Plan
Freedom vs Optima Secure Plus
Freedom vs Women Care
Freedom vs Aspire Diamond+
Freedom vs Activate Booster Plan A
Freedom vs Active Care Premier
Freedom vs ProHealth Accumulate
Freedom vs Health Super Saver Standard
Freedom vs Supreme Shine
Freedom vs Optima Secure Global Plus
Freedom vs Health Cardiac Care Silver & Gold Plan
Freedom vs myHealth Suraksha Gold
Freedom vs LifeTime Health Global
Freedom vs Active Fit Plus
Freedom vs OneHealth Premium
Freedom vs Activ Health Platinum Essential
Freedom vs Medicare Plus
Freedom vs Medicare Senior
Freedom vs Enhance Super Top-up Two
Freedom vs Medicare Protect
Freedom vs Activ One SAVR
Freedom vs Active Assure Diamond
Freedom vs Activ One VIP
Freedom vs Health Pulse Classic
Freedom vs Advantage
Freedom vs Special Care Gold
Freedom vs Activ One Max
Freedom vs Classic
Freedom vs Activ One Vytl
Freedom vs Supreme
Freedom vs Sarvah Pratham
Freedom vs Joy Today
Freedom vs Medi Classic
Freedom vs Activate Booster Plan B
Freedom vs Aspire Gold+
Freedom vs Aspire Platinum+
Freedom vs Plus Complete
Freedom vs Reassure 2.0 Platinum+
Freedom vs Elder Care
Freedom vs Reassure 3.0 Elite
Freedom vs EquiCover
Freedom vs Young Star Gold
Freedom vs Enhance Super Top-up One
Freedom vs Joy Tomorrow
Freedom vs Activ One VIP+
Freedom vs Reassure 3.0 Select
Freedom vs Red Carpet Senior Citizens
Freedom vs Medicare Premier
Freedom vs Family Health Optima
Freedom vs Health Companion Variant 2022
Freedom vs Health Companion Variant 3
Freedom vs Plus Youth
Freedom vs Assure
Freedom vs Health Premia Gold
Freedom vs Health Premia Platinum
Freedom vs Cancer Care Platinum
Freedom vs Optima Lite
Freedom vs ProHealth Prime Protect
Freedom vs Comprehensive
Freedom vs HeartBeat Enhanced
Freedom vs Reassure
Freedom vs Supreme Senior Premium
Freedom vs Health Recharge Super Top Up Plan
Freedom vs Reassure 3.0
Freedom vs myHealth Suraksha Platinum
Freedom vs Supreme Value for Money
Freedom vs Supreme Senior Super
Freedom vs Supreme Enhance
Freedom vs Reassure 2.0 Gold
Freedom vs Medicare
Freedom vs Ultimate (Direct)
Freedom vs Young Star
Freedom vs Sarvah Param
Freedom vs Optima Insurance
Freedom vs Smart Super Health Assure
Freedom vs Reassure 3.0 Black
Freedom vs Health Guard Platinum
Freedom vs Health Guard Gold
Freedom vs Elevate (Direct)
Freedom vs Extra Care Plus Super Top-up
Freedom vs Health Care Supreme Smart
Freedom vs Smart Health Pro
Freedom vs Medi Classic Gold
Freedom vs Optima Super Secure
Freedom vs Special Care
Freedom vs Medicare LITE
Freedom vs Health Shield 360
Freedom vs SecureHealth
Freedom vs Supreme (Direct)
Freedom vs Plus
Freedom vs Mediclaim Insurance Policy
Freedom vs Medicare Select
Freedom vs Health Gain
Freedom vs myHealth Koti Suraksha
Freedom vs Senior
Freedom vs myHealth Suraksha Silver
Freedom vs Cardiac Care Platinum
Freedom vs Royal Sundaram Lifeline Elite
Freedom vs Super Surplus Gold
Freedom vs Supreme Enhance One
Freedom vs Supreme Enhance Two
Freedom vs HeartBeat Platinum
Freedom vs HeartBeat Gold
Freedom vs Health SuperCharge
Freedom vs Aspire Titanium+
Freedom vs iHealth Plus
Freedom vs ProHealth Prime Advantage
Freedom vs Active Fit Preferred
Freedom vs Reassure 3.0 Classic
Freedom vs Senior Health Advantage
Freedom vs Health Wallet
Freedom vs Elevate
Freedom vs Heart
Freedom vs LifeTime Health
Freedom vs Reassure 2.0 Titanium+
Freedom vs ProHealth Prime Active
Freedom vs ProHealth Prime Senior Elite
Freedom vs Advanced Top Up
Freedom vs Multiplier Health
Freedom vs Diabetes Safe Plan A
Freedom vs Reassure 2.0 Bronze+
Freedom vs Enhance Super Top-up
Freedom vs Young Star Silver
Freedom vs Star Women Care Policy
Freedom vs Joy
Freedom vs Supreme Senior Health AdvantEdge
Freedom vs Family Plus
Freedom vs Criti Shield Plus
Freedom vs Health Care Supreme Ultimo
Freedom vs Health Shield 360 Retail
Freedom vs Super Star
Freedom vs Supreme Super Saver
Freedom vs Senior First Platinum
Freedom vs Optima Secure Global
Freedom vs NextGen
Freedom vs Health Insurance Platinum
Freedom vs Energy Silver With Copay
Cardiac Care Platinum vs Optima Secure
Cardiac Care Platinum vs Super Mediclaim
Cardiac Care Platinum vs Health Recharge
Cardiac Care Platinum vs Cancer Cover Activ Cancer Secure Plan
Cardiac Care Platinum vs Optima Secure Plus
Cardiac Care Platinum vs Women Care
Cardiac Care Platinum vs Aspire Diamond+
Cardiac Care Platinum vs Activate Booster Plan A
Cardiac Care Platinum vs Active Care Premier
Cardiac Care Platinum vs ProHealth Accumulate
Cardiac Care Platinum vs Health Super Saver Standard
Cardiac Care Platinum vs Supreme Shine
Cardiac Care Platinum vs Optima Secure Global Plus
Cardiac Care Platinum vs Health Cardiac Care Silver & Gold Plan
Cardiac Care Platinum vs myHealth Suraksha Gold
Cardiac Care Platinum vs LifeTime Health Global
Cardiac Care Platinum vs Active Fit Plus
Cardiac Care Platinum vs OneHealth Premium
Cardiac Care Platinum vs Activ Health Platinum Essential
Cardiac Care Platinum vs Medicare Plus
Cardiac Care Platinum vs Medicare Senior
Cardiac Care Platinum vs Enhance Super Top-up Two
Cardiac Care Platinum vs Medicare Protect
Cardiac Care Platinum vs Activ One SAVR
Cardiac Care Platinum vs Active Assure Diamond
Cardiac Care Platinum vs Activ One VIP
Cardiac Care Platinum vs Health Pulse Classic
Cardiac Care Platinum vs Advantage
Cardiac Care Platinum vs Special Care Gold
Cardiac Care Platinum vs Activ One Max
Cardiac Care Platinum vs Classic
Cardiac Care Platinum vs Activ One Vytl
Cardiac Care Platinum vs Supreme
Cardiac Care Platinum vs Freedom
Cardiac Care Platinum vs Sarvah Pratham
Cardiac Care Platinum vs Joy Today
Cardiac Care Platinum vs Medi Classic
Cardiac Care Platinum vs Activate Booster Plan B
Cardiac Care Platinum vs Aspire Gold+
Cardiac Care Platinum vs Aspire Platinum+
Cardiac Care Platinum vs Plus Complete
Cardiac Care Platinum vs Reassure 2.0 Platinum+
Cardiac Care Platinum vs Elder Care
Cardiac Care Platinum vs Reassure 3.0 Elite
Cardiac Care Platinum vs EquiCover
Cardiac Care Platinum vs Young Star Gold
Cardiac Care Platinum vs Enhance Super Top-up One
Cardiac Care Platinum vs Joy Tomorrow
Cardiac Care Platinum vs Activ One VIP+
Cardiac Care Platinum vs Reassure 3.0 Select
Cardiac Care Platinum vs Red Carpet Senior Citizens
Cardiac Care Platinum vs Medicare Premier
Cardiac Care Platinum vs Family Health Optima
Cardiac Care Platinum vs Health Companion Variant 2022
Cardiac Care Platinum vs Health Companion Variant 3
Cardiac Care Platinum vs Plus Youth
Cardiac Care Platinum vs Assure
Cardiac Care Platinum vs Health Premia Gold
Cardiac Care Platinum vs Health Premia Platinum
Cardiac Care Platinum vs Cancer Care Platinum
Cardiac Care Platinum vs Optima Lite
Cardiac Care Platinum vs ProHealth Prime Protect
Cardiac Care Platinum vs Comprehensive
Cardiac Care Platinum vs HeartBeat Enhanced
Cardiac Care Platinum vs Reassure
Cardiac Care Platinum vs Supreme Senior Premium
Cardiac Care Platinum vs Health Recharge Super Top Up Plan
Cardiac Care Platinum vs Reassure 3.0
Cardiac Care Platinum vs myHealth Suraksha Platinum
Cardiac Care Platinum vs Supreme Value for Money
Cardiac Care Platinum vs Supreme Senior Super
Cardiac Care Platinum vs Supreme Enhance
Cardiac Care Platinum vs Reassure 2.0 Gold
Cardiac Care Platinum vs Medicare
Cardiac Care Platinum vs Ultimate (Direct)
Cardiac Care Platinum vs Young Star
Cardiac Care Platinum vs Sarvah Param
Cardiac Care Platinum vs Optima Insurance
Cardiac Care Platinum vs Smart Super Health Assure
Cardiac Care Platinum vs Reassure 3.0 Black
Cardiac Care Platinum vs Health Guard Platinum
Cardiac Care Platinum vs Health Guard Gold
Cardiac Care Platinum vs Elevate (Direct)
Cardiac Care Platinum vs Extra Care Plus Super Top-up
Cardiac Care Platinum vs Health Care Supreme Smart
Cardiac Care Platinum vs Smart Health Pro
Cardiac Care Platinum vs Medi Classic Gold
Cardiac Care Platinum vs Optima Super Secure
Cardiac Care Platinum vs Special Care
Cardiac Care Platinum vs Medicare LITE
Cardiac Care Platinum vs Health Shield 360
Cardiac Care Platinum vs SecureHealth
Cardiac Care Platinum vs Supreme (Direct)
Cardiac Care Platinum vs Plus
Cardiac Care Platinum vs Mediclaim Insurance Policy
Cardiac Care Platinum vs Medicare Select
Cardiac Care Platinum vs Health Gain
Cardiac Care Platinum vs myHealth Koti Suraksha
Cardiac Care Platinum vs Senior
Cardiac Care Platinum vs myHealth Suraksha Silver
Cardiac Care Platinum vs Royal Sundaram Lifeline Elite
Cardiac Care Platinum vs Super Surplus Gold
Cardiac Care Platinum vs Supreme Enhance One
Cardiac Care Platinum vs Supreme Enhance Two
Cardiac Care Platinum vs HeartBeat Platinum
Cardiac Care Platinum vs HeartBeat Gold
Cardiac Care Platinum vs Health SuperCharge
Cardiac Care Platinum vs Aspire Titanium+
Cardiac Care Platinum vs iHealth Plus
Cardiac Care Platinum vs ProHealth Prime Advantage
Cardiac Care Platinum vs Active Fit Preferred
Cardiac Care Platinum vs Reassure 3.0 Classic
Cardiac Care Platinum vs Senior Health Advantage
Cardiac Care Platinum vs Health Wallet
Cardiac Care Platinum vs Elevate
Cardiac Care Platinum vs Heart
Cardiac Care Platinum vs LifeTime Health
Cardiac Care Platinum vs Reassure 2.0 Titanium+
Cardiac Care Platinum vs ProHealth Prime Active
Cardiac Care Platinum vs ProHealth Prime Senior Elite
Cardiac Care Platinum vs Advanced Top Up
Cardiac Care Platinum vs Multiplier Health
Cardiac Care Platinum vs Diabetes Safe Plan A
Cardiac Care Platinum vs Reassure 2.0 Bronze+
Cardiac Care Platinum vs Enhance Super Top-up
Cardiac Care Platinum vs Young Star Silver
Cardiac Care Platinum vs Star Women Care Policy
Cardiac Care Platinum vs Joy
Cardiac Care Platinum vs Supreme Senior Health AdvantEdge
Cardiac Care Platinum vs Family Plus
Cardiac Care Platinum vs Criti Shield Plus
Cardiac Care Platinum vs Health Care Supreme Ultimo
Cardiac Care Platinum vs Health Shield 360 Retail
Cardiac Care Platinum vs Super Star
Cardiac Care Platinum vs Supreme Super Saver
Cardiac Care Platinum vs Senior First Platinum
Cardiac Care Platinum vs Optima Secure Global
Cardiac Care Platinum vs NextGen
Cardiac Care Platinum vs Health Insurance Platinum
Cardiac Care Platinum vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

