Oneassure

Partner with us

Insurance Plans Comparison

Care Heart vs Star Family Health Optima

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

Read more
Care

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

VS
Star

Family Health Optima

Family Floater Health Insurance with Hospitalisation Benefits

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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 Heart

  • 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

Star Family Health Optima

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Heart
Heart

Health Insurance Plan

Brochure

Policy Wording

VS
Family Health Optima
Family Health Optima

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Heart

Up to ₹3 L sum insured – 1% of Sum Insured per day

Above ₹3 L sum insured – Single Private Room

VS

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
ICU Charges

Heart

Up to ₹3 L sum insured – 2% of Sum Insured per day

Above ₹3 L sum insured – No Limit

VS

Family Health Optima

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

Co-payment

Heart

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

VS

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

Disease-wise sublimits

Heart

Yes

VS

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

Cashless Healthcare Providers

Heart

21700+ Healthcare Providers

VS

Family Health Optima

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

Restoration Benefit

Heart

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

VS

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

Daycare Treatment

Heart

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Cumulative Bonus

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

VS

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

AYUSH Treatment

Heart

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

VS

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

Consumable Cover

Heart

No. However available as an add-on.

VS

Family Health Optima

Not specified.

Initial Waiting Period

Heart

30 days

VS

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

Heart

2 years

VS

Family Health Optima

24 months for specified diseases and procedures.

PED Waiting Period

Heart

2 years

VS

Family Health Optima

36 months for pre-existing diseases.

Modern Treatment

Heart

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

VS

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
Annual Health Checkup

Heart

Health check-up is available from the first policy year

VS

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

Heart

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

Heart

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it.

VS

Family Health Optima

Covered for up to 90 days after discharge.

Outpatient Department Cover (OPD Expense)

Heart

OPD expense is not included

VS

Family Health Optima

Not specified.

Deductible Option

Heart

Not available

VS

Family Health Optima

Not specified.

Coverage Options

Heart

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

VS

Family Health Optima

Family Floater.

Claim Settlement Ratio

Heart

96%

VS

Family Health Optima

Insurer-level metric, not a policy benefit.

Maternity Cover

Heart

Not available

VS

Family Health Optima

Not specified.

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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Heart vs Optima Secure

Heart vs Super Mediclaim

Heart vs Health Recharge

Heart vs Cancer Cover Activ Cancer Secure Plan

Heart vs Optima Secure Plus

Family Health Optima vs Optima Secure

Family Health Optima vs Super Mediclaim

Family Health Optima vs Health Recharge

Family Health Optima vs Cancer Cover Activ Cancer Secure Plan

Family Health Optima vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Heart Vs Family Health Optima

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.