Insurance Plans Comparison
Star Health Cardiac Care Silver & Gold Plan vs Care Heart
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
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
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 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
![]() Health Cardiac Care Silver & Gold Plan Health Insurance Plan VS VS |
Heart Health Insurance Plan |
| Room Rent |
|---|
Health Cardiac Care Silver & Gold Plan
|
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 |
|---|
Health Cardiac Care Silver & Gold Plan Covered as part of eligible hospitalisation expenses, subject to policy terms. |
VS VS |
Heart Up to ₹3 L sum insured – 2% of Sum Insured per day Above ₹3 L sum insured – No Limit |
| Co-payment |
|---|
Health Cardiac Care Silver & Gold Plan 10% for insured persons aged 61 years and above at policy purchase or renewal. |
VS VS |
Heart In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years. |
| Disease-wise sublimits |
|---|
Health Cardiac Care Silver & Gold Plan Sublimits apply to specified treatments, including cataract and modern treatments. |
VS VS |
Heart Yes |
| Restoration Benefit |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Heart Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only |
| 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 |
Heart 21700+ Healthcare Providers |
| Daycare Treatment |
|---|
Health Cardiac Care Silver & Gold Plan Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Heart 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 |
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 |
| 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 |
Heart 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 |
Heart 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 |
Heart 30 days |
| Specific Waiting Period |
|---|
Health Cardiac Care Silver & Gold Plan 24 months for specified diseases and procedures. |
VS VS |
Heart 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 |
Heart 2 years |
| Modern Treatment |
|---|
Health Cardiac Care Silver & Gold Plan Specified modern treatments are covered within the applicable treatment limits. |
VS VS |
Heart 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 |
Heart Health check-up is available from the first policy year |
| Pre-Hospitalisation |
|---|
Health Cardiac Care Silver & Gold Plan Covered for up to 30 days before hospital admission. |
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 |
|---|
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 |
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) |
|---|
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 |
Heart OPD expense is not included |
| Deductible Option |
|---|
Health Cardiac Care Silver & Gold Plan Not specified. |
VS VS |
Heart Not available |
| Coverage Options |
|---|
Health Cardiac Care Silver & Gold Plan Individual coverage with Silver and Gold plan options. |
VS VS |
Heart Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L |
| Claim Settlement Ratio |
|---|
Health Cardiac Care Silver & Gold Plan Insurer-level metric, not a policy benefit. |
VS VS |
Heart 96% |
| Maternity Cover |
|---|
Health Cardiac Care Silver & Gold Plan Not covered, except where the policy provides an applicable accident-related exception. |
VS VS |
Heart Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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