Insurance Plans Comparison
HDFC ERGO Critical Illness Silver Plan vs Care Heart
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
VS
Heart
Specialised Cardiac Health Insurance with 2-Year Cardiac PED Waiting Period
What Makes It Special:
Care Heart Health Insurance is a specialized policy designed for people with existing heart conditions or cardiac risks. It provides comprehensive coverage for hospitalization, surgeries, and treatments related to heart ailments, including pre and post-hospitalization expenses. The plan also covers annual health check-ups, ambulance charges, and optional add-ons for enhanced...
Best For:
Focused Protection for Cardiac Patients
Covers Pre and Post Hospitalization
Annual Health Check-Up Included
Lifelong Policy Renewability Option
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
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
You have a past history of heart disease
You need coverage for cardiac-related hospitalization expenses
You want insurance despite pre-existing heart conditions
You seek affordable premiums for heart-focused care
You prefer lifelong renewability with cardiac protection
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Silver Plan Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Heart Up to ₹3 L sum insured – 1% of Sum Insured per day Above ₹3 L sum insured – Single Private Room |
| ICU Charges |
|---|
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Co-payment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Heart Yes |
| Cashless Healthcare Providers |
|---|
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
VS VS |
Heart 21700+ Healthcare Providers |
| Restoration Benefit |
|---|
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| Cumulative Bonus |
|---|
Critical Illness Silver Plan Not specified |
VS VS |
Heart Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid |
| Daycare Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Heart No. However available as an add-on. |
| AYUSH Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Critical Illness Silver Plan 90 days |
VS VS |
Heart 30 days |
| Specific Waiting Period |
|---|
Critical Illness Silver Plan Not specified. |
VS VS |
Heart 2 years |
| PED Waiting Period |
|---|
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Heart 2 years |
| Modern Treatment |
|---|
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Heart Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
VS VS |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it. |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart OPD expense is not included |
| Deductible Option |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Critical Illness Silver Plan 97% approximately |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Critical Illness Silver Plan Not covered. |
VS VS |
Heart Not available |
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
Critical Illness Silver Plan vs Supreme Senior Premium
Critical Illness Silver Plan vs Ultimate
Critical Illness Silver Plan vs Optima Secure
Critical Illness Silver Plan vs Super Mediclaim
Critical Illness Silver Plan vs Critical Illness Platinum Plan
Critical Illness Silver Plan vs Health Recharge
Critical Illness Silver Plan vs Optima Secure Plus
Critical Illness Silver Plan vs Cancer Cover Activ Cancer Secure Plan
Critical Illness Silver Plan vs Optima Secure Global Plus
Critical Illness Silver Plan vs LifeTime Health Global
Critical Illness Silver Plan vs Women Care
Critical Illness Silver Plan vs Aspire Diamond+
Critical Illness Silver Plan vs Activate Booster Plan A
Critical Illness Silver Plan vs Health Super Saver Standard
Critical Illness Silver Plan vs Active Care Premier
Critical Illness Silver Plan vs ProHealth Accumulate
Critical Illness Silver Plan vs Supreme Shine
Critical Illness Silver Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Silver Plan vs myHealth Suraksha Gold
Critical Illness Silver Plan vs Elder Care
Critical Illness Silver Plan vs Young Star Gold
Critical Illness Silver Plan vs Assure
Critical Illness Silver Plan vs Active Fit Plus
Critical Illness Silver Plan vs Cancer Care Platinum
Critical Illness Silver Plan vs OneHealth Premium
Critical Illness Silver Plan vs Optima Lite
Critical Illness Silver Plan vs ProHealth Prime Protect
Critical Illness Silver Plan vs Medicare Plus
Critical Illness Silver Plan vs Activ Health Platinum Essential
Critical Illness Silver Plan vs Medicare Senior
Critical Illness Silver Plan vs Enhance Super Top-up Two
Critical Illness Silver Plan vs Reassure 3.0
Critical Illness Silver Plan vs Medicare Protect
Critical Illness Silver Plan vs Activ One SAVR
Critical Illness Silver Plan vs Active Assure Diamond
Critical Illness Silver Plan vs Activ One VIP
Critical Illness Silver Plan vs Health Pulse Classic
Critical Illness Silver Plan vs Advantage
Critical Illness Silver Plan vs Mediclaim Insurance Policy
Critical Illness Silver Plan vs Special Care Gold
Critical Illness Silver Plan vs Activ One Max
Critical Illness Silver Plan vs Classic
Critical Illness Silver Plan vs Activ One Vytl
Critical Illness Silver Plan vs Supreme
Critical Illness Silver Plan vs Freedom
Critical Illness Silver Plan vs Sarvah Pratham
Critical Illness Silver Plan vs Joy Today
Critical Illness Silver Plan vs Medi Classic
Critical Illness Silver Plan vs Activate Booster Plan B
Critical Illness Silver Plan vs Aspire Gold+
Critical Illness Silver Plan vs Health Gain
Critical Illness Silver Plan vs Aspire Platinum+
Critical Illness Silver Plan vs Plus Complete
Critical Illness Silver Plan vs Reassure 2.0 Platinum+
Critical Illness Silver Plan vs Reassure 3.0 Elite
Critical Illness Silver Plan vs EquiCover
Critical Illness Silver Plan vs Enhance Super Top-up One
Critical Illness Silver Plan vs Joy Tomorrow
Critical Illness Silver Plan vs Reassure 3.0 Select
Critical Illness Silver Plan vs Activ One VIP+
Critical Illness Silver Plan vs Red Carpet Senior Citizens
Critical Illness Silver Plan vs Super Surplus Gold
Critical Illness Silver Plan vs Health SuperCharge
Critical Illness Silver Plan vs Medicare Premier
Critical Illness Silver Plan vs Family Health Optima
Critical Illness Silver Plan vs Health Companion Variant 2022
Critical Illness Silver Plan vs Health Companion Variant 3
Critical Illness Silver Plan vs Plus Youth
Critical Illness Silver Plan vs ProHealth Prime Advantage
Critical Illness Silver Plan vs Health Premia Gold
Critical Illness Silver Plan vs Health Premia Platinum
Critical Illness Silver Plan vs Comprehensive
Critical Illness Silver Plan vs HeartBeat Enhanced
Critical Illness Silver Plan vs Reassure
Critical Illness Silver Plan vs Health Recharge Super Top Up Plan
Critical Illness Silver Plan vs myHealth Suraksha Platinum
Critical Illness Silver Plan vs Supreme Value for Money
Critical Illness Silver Plan vs Supreme Enhance Two
Critical Illness Silver Plan vs Supreme Senior Super
Critical Illness Silver Plan vs Supreme Enhance
Critical Illness Silver Plan vs Reassure 2.0 Gold
Critical Illness Silver Plan vs Active Fit Preferred
Critical Illness Silver Plan vs LifeTime Health
Critical Illness Silver Plan vs Medicare
Critical Illness Silver Plan vs ProHealth Prime Active
Critical Illness Silver Plan vs ProHealth Prime Senior Elite
Critical Illness Silver Plan vs Advanced Top Up
Critical Illness Silver Plan vs Multiplier Health
Critical Illness Silver Plan vs Ultimate (Direct)
Critical Illness Silver Plan vs Young Star
Critical Illness Silver Plan vs Star Women Care Policy
Critical Illness Silver Plan vs Family Plus
Critical Illness Silver Plan vs Sarvah Param
Critical Illness Silver Plan vs Optima Insurance
Critical Illness Silver Plan vs Smart Super Health Assure
Critical Illness Silver Plan vs Criti Shield Plus
Critical Illness Silver Plan vs Health Care Supreme Ultimo
Critical Illness Silver Plan vs Health Shield 360 Retail
Critical Illness Silver Plan vs Super Star
Critical Illness Silver Plan vs Reassure 3.0 Black
Critical Illness Silver Plan vs Health Guard Platinum
Critical Illness Silver Plan vs Health Guard Gold
Critical Illness Silver Plan vs Elevate (Direct)
Critical Illness Silver Plan vs Senior First Platinum
Critical Illness Silver Plan vs Extra Care Plus Super Top-up
Critical Illness Silver Plan vs Health Care Supreme Smart
Critical Illness Silver Plan vs Medi Classic Gold
Critical Illness Silver Plan vs Smart Health Pro
Critical Illness Silver Plan vs Optima Super Secure
Critical Illness Silver Plan vs Special Care
Critical Illness Silver Plan vs Optima Secure Global
Critical Illness Silver Plan vs Medicare LITE
Critical Illness Silver Plan vs Health Shield 360
Critical Illness Silver Plan vs NextGen
Critical Illness Silver Plan vs SecureHealth
Critical Illness Silver Plan vs Energy Silver With Copay
Critical Illness Silver Plan vs Supreme (Direct)
Critical Illness Silver Plan vs Plus
Critical Illness Silver Plan vs Medicare Select
Critical Illness Silver Plan vs myHealth Koti Suraksha
Critical Illness Silver Plan vs Senior
Critical Illness Silver Plan vs myHealth Suraksha Silver
Critical Illness Silver Plan vs Cardiac Care Platinum
Critical Illness Silver Plan vs Royal Sundaram Lifeline Elite
Critical Illness Silver Plan vs HeartBeat Platinum
Critical Illness Silver Plan vs Supreme Enhance One
Critical Illness Silver Plan vs HeartBeat Gold
Critical Illness Silver Plan vs Aspire Titanium+
Critical Illness Silver Plan vs iHealth Plus
Critical Illness Silver Plan vs Reassure 3.0 Classic
Critical Illness Silver Plan vs Senior Health Advantage
Critical Illness Silver Plan vs Health Wallet
Critical Illness Silver Plan vs Elevate
Critical Illness Silver Plan vs Heart
Critical Illness Silver Plan vs Reassure 2.0 Titanium+
Critical Illness Silver Plan vs Diabetes Safe Plan A
Critical Illness Silver Plan vs Reassure 2.0 Bronze+
Critical Illness Silver Plan vs Young Star Silver
Critical Illness Silver Plan vs Enhance Super Top-up
Critical Illness Silver Plan vs Joy
Critical Illness Silver Plan vs Supreme Senior Health AdvantEdge
Critical Illness Silver Plan vs Supreme Super Saver
Critical Illness Silver Plan vs Health Insurance Platinum
Heart vs Supreme Senior Premium
Heart vs Ultimate
Heart vs Optima Secure
Heart vs Super Mediclaim
Heart vs Critical Illness Platinum Plan
Heart vs Health Recharge
Heart vs Optima Secure Plus
Heart vs Cancer Cover Activ Cancer Secure Plan
Heart vs Optima Secure Global Plus
Heart vs LifeTime Health Global
Heart vs Women Care
Heart vs Aspire Diamond+
Heart vs Activate Booster Plan A
Heart vs Health Super Saver Standard
Heart vs Active Care Premier
Heart vs ProHealth Accumulate
Heart vs Supreme Shine
Heart vs Health Cardiac Care Silver & Gold Plan
Heart vs myHealth Suraksha Gold
Heart vs Elder Care
Heart vs Young Star Gold
Heart vs Assure
Heart vs Active Fit Plus
Heart vs Cancer Care Platinum
Heart vs OneHealth Premium
Heart vs Optima Lite
Heart vs ProHealth Prime Protect
Heart vs Medicare Plus
Heart vs Activ Health Platinum Essential
Heart vs Medicare Senior
Heart vs Enhance Super Top-up Two
Heart vs Reassure 3.0
Heart vs Medicare Protect
Heart vs Activ One SAVR
Heart vs Active Assure Diamond
Heart vs Activ One VIP
Heart vs Health Pulse Classic
Heart vs Advantage
Heart vs Mediclaim Insurance Policy
Heart vs Special Care Gold
Heart vs Activ One Max
Heart vs Classic
Heart vs Activ One Vytl
Heart vs Supreme
Heart vs Freedom
Heart vs Sarvah Pratham
Heart vs Joy Today
Heart vs Medi Classic
Heart vs Activate Booster Plan B
Heart vs Aspire Gold+
Heart vs Health Gain
Heart vs Aspire Platinum+
Heart vs Plus Complete
Heart vs Reassure 2.0 Platinum+
Heart vs Reassure 3.0 Elite
Heart vs EquiCover
Heart vs Enhance Super Top-up One
Heart vs Joy Tomorrow
Heart vs Reassure 3.0 Select
Heart vs Activ One VIP+
Heart vs Red Carpet Senior Citizens
Heart vs Super Surplus Gold
Heart vs Health SuperCharge
Heart vs Medicare Premier
Heart vs Family Health Optima
Heart vs Health Companion Variant 2022
Heart vs Health Companion Variant 3
Heart vs Plus Youth
Heart vs ProHealth Prime Advantage
Heart vs Critical Illness Silver Plan
Heart vs Health Premia Gold
Heart vs Health Premia Platinum
Heart vs Comprehensive
Heart vs HeartBeat Enhanced
Heart vs Reassure
Heart vs Health Recharge Super Top Up Plan
Heart vs myHealth Suraksha Platinum
Heart vs Supreme Value for Money
Heart vs Supreme Enhance Two
Heart vs Supreme Senior Super
Heart vs Supreme Enhance
Heart vs Reassure 2.0 Gold
Heart vs Active Fit Preferred
Heart vs LifeTime Health
Heart vs Medicare
Heart vs ProHealth Prime Active
Heart vs ProHealth Prime Senior Elite
Heart vs Advanced Top Up
Heart vs Multiplier Health
Heart vs Ultimate (Direct)
Heart vs Young Star
Heart vs Star Women Care Policy
Heart vs Family Plus
Heart vs Sarvah Param
Heart vs Optima Insurance
Heart vs Smart Super Health Assure
Heart vs Criti Shield Plus
Heart vs Health Care Supreme Ultimo
Heart vs Health Shield 360 Retail
Heart vs Super Star
Heart vs Reassure 3.0 Black
Heart vs Health Guard Platinum
Heart vs Health Guard Gold
Heart vs Elevate (Direct)
Heart vs Senior First Platinum
Heart vs Extra Care Plus Super Top-up
Heart vs Health Care Supreme Smart
Heart vs Medi Classic Gold
Heart vs Smart Health Pro
Heart vs Optima Super Secure
Heart vs Special Care
Heart vs Optima Secure Global
Heart vs Medicare LITE
Heart vs Health Shield 360
Heart vs NextGen
Heart vs SecureHealth
Heart vs Energy Silver With Copay
Heart vs Supreme (Direct)
Heart vs Plus
Heart vs Medicare Select
Heart vs myHealth Koti Suraksha
Heart vs Senior
Heart vs myHealth Suraksha Silver
Heart vs Cardiac Care Platinum
Heart vs Royal Sundaram Lifeline Elite
Heart vs HeartBeat Platinum
Heart vs Supreme Enhance One
Heart vs HeartBeat Gold
Heart vs Aspire Titanium+
Heart vs iHealth Plus
Heart vs Reassure 3.0 Classic
Heart vs Senior Health Advantage
Heart vs Health Wallet
Heart vs Elevate
Heart vs Reassure 2.0 Titanium+
Heart vs Diabetes Safe Plan A
Heart vs Reassure 2.0 Bronze+
Heart vs Young Star Silver
Heart vs Enhance Super Top-up
Heart vs Joy
Heart vs Supreme Senior Health AdvantEdge
Heart vs Supreme Super Saver
Heart vs Health Insurance Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

