How does OneAssure help me compare health insurance policies and choose the best plan?

OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

What is the difference between cashless and reimbursement claims in health insurance policies?

Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

Does OneAssure provide expert guidance while selecting health insurance with maternity or newborn coverage?

Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

Which health insurance plan offers the best coverage for critical illnesses and pre-existing diseases?

Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

Can I compare waiting periods and sub-limits for hospitalisation expenses on OneAssure?

Yes, OneAssure’s comparison tool highlights waiting periods, sub-limits, and exclusions so you can choose a policy that maximizes benefits and minimizes restrictions.

What are room rent limits in health insurance, and how do they affect claims?

Room rent limits cap the daily room cost covered by your insurer. Choosing a plan without strict limits ensures higher claim payouts.

Does OneAssure assist with health insurance claims and renewals after I purchase a policy?

Absolutely. OneAssure provides end-to-end support for claims, renewals, and queries, ensuring a hassle-free experience throughout your policy tenure.

How can I check if a health insurance plan covers daycare procedures and modern treatments?

OneAssure’s policy comparison clearly lists daycare and advanced treatment coverage, helping you pick a plan aligned with your healthcare needs.

What documents are needed to buy and claim a health insurance policy online via OneAssure?

To buy a policy, you need ID proof, address proof, and medical details. For claims, hospital bills, prescriptions, and discharge summaries are required.

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Health Insurance

Compare Health Insurance Plans

Cardiac Care Platinum Vs Supreme Enhance Two

Insurance Plans Comparison

Star Cardiac Care Platinum vs Care Supreme Enhance Two

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

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.

VS

Supreme Enhance Two

What Makes It Special:

Care Supreme Enhance 2 is an advanced health insurance plan crafted for superior medical protection. It offers higher sum insured options, covers hospitalization, daycare, pre- and post-hospitalization, and provides cashless treatment. With added wellness benefits and optional riders, it ensures families get holistic, flexible, and affordable healthcare coverage

Best For:

Wellness perks and rewards with your policy
Daycare and full hospitalization benefits
Nationwide cashless hospitalization
Higher medical coverage with value-for-money premiums

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.

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Quick Decision Guide

Star Cardiac Care Platinum

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.

Care Supreme Enhance Two

You want customizable add-ons for stronger family security
You want health rewards and wellness benefits included
You want all-round protection including daycare and post-hospitalization
You want cashless access to top hospitals across India.
You want superior coverage with higher sum insured

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cardiac Care Platinum

Health Insurance Plan

Brochure

VS

Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent
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.	Supreme Enhance Two Normal: Single private room ICU: No Limit

ICU Charges
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.	Supreme Enhance Two No restriction on ICU room rent

Advanced Treatments
Cardiac Care Platinum Information Unavailable	Supreme Enhance Two Robotic Surgery Proton Beam Therapy Cyber Knife Treatment Stem Cell Therapy Targeted and Immunotherapy Artificial Organs & Implants

Disease-wise sublimits
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.	Supreme Enhance Two No

Disease-wise sublimits

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.

Supreme Enhance Two

No

Co-payment
Cardiac Care Platinum No co-payment clause found in the policy documents.	Supreme Enhance Two Only applicable for people above the age of 61.

Restoration Benefit
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.	Supreme Enhance Two Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers
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.	Supreme Enhance Two 24800+ network hospitals across India.

Cumulative Bonus
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.	Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment
Cardiac Care Platinum All Day care procedures are covered.	Supreme Enhance Two Covered under the policy

Consumable Cover
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.	Supreme Enhance Two Yes

AYUSH Treatment
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.	Supreme Enhance Two AYUSH treatment covered under this policy

Initial Waiting Period
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.	Supreme Enhance Two 30 days

Specific Waiting Period
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.	Supreme Enhance Two 2 years

PED Waiting Period
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.	Supreme Enhance Two 3 years

Modern Treatment
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.	Supreme Enhance Two Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
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.	Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation
Cardiac Care Platinum Up to 30 days before admission.	Supreme Enhance Two You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
Cardiac Care Platinum Up to 60 days after discharge.	Supreme Enhance Two You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
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.	Supreme Enhance Two OPD expense is not included

Deductible Option
Cardiac Care Platinum Not available or mentioned in the policy documents.	Supreme Enhance Two Available

Coverage Options
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.	Supreme Enhance Two Available coverage options: 20L to 1cr

Claim Settlement Ratio
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.	Supreme Enhance Two 96%

Maternity Cover
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.	Supreme Enhance Two Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cardiac Care Platinum

Health Insurance Plan

Brochure

VS

Supreme Enhance Two

Health Insurance Plan

Brochure

Policy Wording

Room Rent
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.
VS VS
Supreme Enhance Two Normal: Single private room ICU: No Limit

ICU Charges
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.
VS VS
Supreme Enhance Two No restriction on ICU room rent

Advanced Treatments
Cardiac Care Platinum Information Unavailable
VS VS
Supreme Enhance Two Robotic Surgery Proton Beam Therapy Cyber Knife Treatment Stem Cell Therapy Targeted and Immunotherapy Artificial Organs & Implants

Disease-wise sublimits
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.
VS VS
Supreme Enhance Two No

Co-payment
Cardiac Care Platinum No co-payment clause found in the policy documents.
VS VS
Supreme Enhance Two Only applicable for people above the age of 61.

Restoration Benefit
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.
VS VS
Supreme Enhance Two Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers
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.
VS VS
Supreme Enhance Two 24800+ network hospitals across India.

Cumulative Bonus
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.
VS VS
Supreme Enhance Two Your sum insured increases by 10% every year, maximum up to 100%

Daycare Treatment
Cardiac Care Platinum All Day care procedures are covered.
VS VS
Supreme Enhance Two Covered under the policy

Consumable Cover
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.
VS VS
Supreme Enhance Two Yes

AYUSH Treatment
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.
VS VS
Supreme Enhance Two AYUSH treatment covered under this policy

Initial Waiting Period
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.
VS VS
Supreme Enhance Two 30 days

Specific Waiting Period
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.
VS VS
Supreme Enhance Two 2 years

PED Waiting Period
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.
VS VS
Supreme Enhance Two 3 years

Modern Treatment
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.
VS VS
Supreme Enhance Two Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup
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.
VS VS
Supreme Enhance Two Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation
Cardiac Care Platinum Up to 30 days before admission.
VS VS
Supreme Enhance Two You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation
Cardiac Care Platinum Up to 60 days after discharge.
VS VS
Supreme Enhance Two You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)
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.
VS VS
Supreme Enhance Two OPD expense is not included

Deductible Option
Cardiac Care Platinum Not available or mentioned in the policy documents.
VS VS
Supreme Enhance Two Available

Coverage Options
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.
VS VS
Supreme Enhance Two Available coverage options: 20L to 1cr

Claim Settlement Ratio
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.
VS VS
Supreme Enhance Two 96%

Maternity Cover
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.
VS VS
Supreme Enhance Two Not available

Insurance Plans Comparison

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Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

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Supreme Enhance Two vs myHealth Suraksha Silver

Supreme Enhance Two vs Cardiac Care Platinum

Supreme Enhance Two vs Royal Sundaram Lifeline Elite

Supreme Enhance Two vs Super Surplus Gold

Supreme Enhance Two vs Supreme Enhance One

Supreme Enhance Two vs HeartBeat Platinum

Supreme Enhance Two vs HeartBeat Gold

Supreme Enhance Two vs Health SuperCharge

Supreme Enhance Two vs Aspire Titanium+

Supreme Enhance Two vs iHealth Plus

Supreme Enhance Two vs ProHealth Prime Advantage

Supreme Enhance Two vs Active Fit Preferred

Supreme Enhance Two vs Reassure 3.0 Classic

Supreme Enhance Two vs Senior Health Advantage

Supreme Enhance Two vs Health Wallet

Supreme Enhance Two vs Elevate

Supreme Enhance Two vs Heart

Supreme Enhance Two vs LifeTime Health

Supreme Enhance Two vs Reassure 2.0 Titanium+

Supreme Enhance Two vs ProHealth Prime Active

Supreme Enhance Two vs ProHealth Prime Senior Elite

Supreme Enhance Two vs Advanced Top Up

Supreme Enhance Two vs Multiplier Health

Supreme Enhance Two vs Diabetes Safe Plan A

Supreme Enhance Two vs Reassure 2.0 Bronze+

Supreme Enhance Two vs Enhance Super Top-up

Supreme Enhance Two vs Young Star Silver

Supreme Enhance Two vs Star Women Care Policy

Supreme Enhance Two vs Joy

Supreme Enhance Two vs Supreme Senior Health AdvantEdge

Supreme Enhance Two vs Family Plus

Supreme Enhance Two vs Criti Shield Plus

Supreme Enhance Two vs Health Care Supreme Ultimo

Supreme Enhance Two vs Health Shield 360 Retail

Supreme Enhance Two vs Super Star

Supreme Enhance Two vs Supreme Super Saver

Supreme Enhance Two vs Senior First Platinum

Supreme Enhance Two vs Optima Secure Global

Supreme Enhance Two vs NextGen

Supreme Enhance Two vs Health Insurance Platinum

Supreme Enhance Two vs Energy Silver With Copay

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Supreme Enhance Two vs Super Mediclaim

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Supreme Enhance Two vs Cancer Cover Activ Cancer Secure Plan

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