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Insurance Plans Comparison

Care Senior 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

Senior

Health Insurance for Senior Citizens 60+ with Lifelong Renewability

What Makes It Special:

Care Senior is tailored specifically for the healthcare requirements of senior citizens aged 60 and above.

Best For:

  • Customers wanting automatic recharge protection

  • Families covering elderly parents

  • Elderly individuals seeking senior-specific health screening benefits

  • Buyers looking for health insurance with no upper entry age cap

  • Senior citizens aged 60 and above

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 Senior

  • Senior health screening included

  • Inbuilt 1-time automatic sum insured recharge

  • Includes a mandatory 20% co-payment per claim

  • Pre-existing disease waiting period is 48 months (or 24 months based on option)

  • Entry starts from age 60 with no maximum entry age limit

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

Senior
Senior

Health Insurance Plan

Brochure

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

Health Insurance Plan

Room Rent

Senior

Room rent is covered up to the sum insured, subject to the applicable room-category terms of the plan.

VS

Health Cardiac Care Silver & Gold Plan

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

Senior

ICU charges are covered up to your sum insured during the policy period.

VS

Health Cardiac Care Silver & Gold Plan

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

Co-payment

Senior

20% co-payment is applicable on all claims. An additional 20% co-payment applies for treatment taken outside Smart Select network hospitals.

VS

Health Cardiac Care Silver & Gold Plan

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

Disease-wise sublimits

Senior

Yes, sublimits apply to specified diseases and treatments as per the policy terms.

VS

Health Cardiac Care Silver & Gold Plan

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

Cashless Healthcare Providers

Senior

22,100+ cashless healthcare providers.

VS

Health Cardiac Care Silver & Gold Plan

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

Restoration Benefit

Senior

Yes, your sum insured is automatically recharged by an amount equal to the opted sum insured, unlimited times during the policy year, for related or unrelated illnesses.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Cumulative Bonus

Senior

Your sum insured increases by 10% for every claim-free year, up to a maximum of 50% of the sum insured.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Daycare Treatment

Senior

Covers all eligible Day Care Procedures, including treatments such as cataract, chemotherapy, dialysis and stone removal, up to your sum insured.

VS

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Senior

Consumable expenses are not covered under the plan.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

AYUSH Treatment

Senior

Covers AYUSH treatment expenses up to your sum insured, subject to the policy terms and treatment being taken at an AYUSH-certified facility.

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

Senior

30 days for illnesses, except injuries caused by an accident.

VS

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

Specific Waiting Period

Senior

2 years for specified named ailments.

VS

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

PED Waiting Period

Senior

3 years for pre-existing diseases.

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

Senior

Modern treatment methods are not covered under the plan.

VS

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

Annual Health Checkup

Senior

Annual health check-up is available for all insured members.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Pre-Hospitalisation

Senior

You get cover for medical expenses up to 60 days before hospitalisation, subject to the main hospitalisation claim being admissible.

VS

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Senior

You get cover for medical expenses up to 180 days after discharge from the hospital.

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)

Senior

OPD expense is not included.

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

Senior

Not available as a standard deductible option.

VS

Health Cardiac Care Silver & Gold Plan

Not specified.

Coverage Options

Senior

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

VS

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

Claim Settlement Ratio

Senior

96.74% for FY 2024-25.

VS

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

Maternity Cover

Senior

Not available.

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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Free Expert Consultation

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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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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

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