Insurance Plans Comparison
HDFC ERGO Critical Illness Platinum Plan vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Platinum Plan
Lump-sum payout on first diagnosis of any of 15 critical illnesses
What Makes It Special:
The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...
Best For:
Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation
Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age
Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure
Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness
Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
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 over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.
Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.
The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.
This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Platinum Plan Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Critical Illness Platinum Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Critical Illness Platinum Plan Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Critical Illness Platinum Plan Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Critical Illness Platinum 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 |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Critical Illness Platinum Plan Not specified |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Critical Illness Platinum Plan Not applicable — no itemised hospitalisation expenses are reimbursed |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
|---|
Critical Illness Platinum Plan 90 days for all claims |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Critical Illness Platinum Plan Not specified. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Critical Illness Platinum Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Critical Illness Platinum Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Critical Illness Platinum 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 |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Critical Illness Platinum Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Critical Illness Platinum Plan Cover is written per insured person. No individual/floater structure is stated. |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Critical Illness Platinum Plan Approximately 97% |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Critical Illness Platinum Plan Not covered. |
VS VS |
Comprehensive Information Unavailable |
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 Platinum Plan vs Supreme Senior Premium
Critical Illness Platinum Plan vs Ultimate
Critical Illness Platinum Plan vs Optima Secure
Critical Illness Platinum Plan vs Super Mediclaim
Critical Illness Platinum Plan vs Health Recharge
Critical Illness Platinum Plan vs Optima Secure Plus
Critical Illness Platinum Plan vs Cancer Cover Activ Cancer Secure Plan
Critical Illness Platinum Plan vs Optima Secure Global Plus
Critical Illness Platinum Plan vs LifeTime Health Global
Critical Illness Platinum Plan vs Women Care
Critical Illness Platinum Plan vs Aspire Diamond+
Critical Illness Platinum Plan vs Activate Booster Plan A
Critical Illness Platinum Plan vs Health Super Saver Standard
Critical Illness Platinum Plan vs Active Care Premier
Critical Illness Platinum Plan vs ProHealth Accumulate
Critical Illness Platinum Plan vs Supreme Shine
Critical Illness Platinum Plan vs Health Cardiac Care Silver & Gold Plan
Critical Illness Platinum Plan vs myHealth Suraksha Gold
Critical Illness Platinum Plan vs Elder Care
Critical Illness Platinum Plan vs Young Star Gold
Critical Illness Platinum Plan vs Assure
Critical Illness Platinum Plan vs Active Fit Plus
Critical Illness Platinum Plan vs Cancer Care Platinum
Critical Illness Platinum Plan vs OneHealth Premium
Critical Illness Platinum Plan vs Optima Lite
Critical Illness Platinum Plan vs ProHealth Prime Protect
Critical Illness Platinum Plan vs Medicare Plus
Critical Illness Platinum Plan vs Activ Health Platinum Essential
Critical Illness Platinum Plan vs Medicare Senior
Critical Illness Platinum Plan vs Enhance Super Top-up Two
Critical Illness Platinum Plan vs Reassure 3.0
Critical Illness Platinum Plan vs Medicare Protect
Critical Illness Platinum Plan vs Activ One SAVR
Critical Illness Platinum Plan vs Active Assure Diamond
Critical Illness Platinum Plan vs Activ One VIP
Critical Illness Platinum Plan vs Health Pulse Classic
Critical Illness Platinum Plan vs Advantage
Critical Illness Platinum Plan vs Mediclaim Insurance Policy
Critical Illness Platinum Plan vs Special Care Gold
Critical Illness Platinum Plan vs Activ One Max
Critical Illness Platinum Plan vs Classic
Critical Illness Platinum Plan vs Activ One Vytl
Critical Illness Platinum Plan vs Supreme
Critical Illness Platinum Plan vs Freedom
Critical Illness Platinum Plan vs Sarvah Pratham
Critical Illness Platinum Plan vs Joy Today
Critical Illness Platinum Plan vs Medi Classic
Critical Illness Platinum Plan vs Activate Booster Plan B
Critical Illness Platinum Plan vs Aspire Gold+
Critical Illness Platinum Plan vs Health Gain
Critical Illness Platinum Plan vs Aspire Platinum+
Critical Illness Platinum Plan vs Plus Complete
Critical Illness Platinum Plan vs Reassure 2.0 Platinum+
Critical Illness Platinum Plan vs Reassure 3.0 Elite
Critical Illness Platinum Plan vs EquiCover
Critical Illness Platinum Plan vs Enhance Super Top-up One
Critical Illness Platinum Plan vs Joy Tomorrow
Critical Illness Platinum Plan vs Reassure 3.0 Select
Critical Illness Platinum Plan vs Activ One VIP+
Critical Illness Platinum Plan vs Red Carpet Senior Citizens
Critical Illness Platinum Plan vs Super Surplus Gold
Critical Illness Platinum Plan vs Health SuperCharge
Critical Illness Platinum Plan vs Medicare Premier
Critical Illness Platinum Plan vs Family Health Optima
Critical Illness Platinum Plan vs Health Companion Variant 2022
Critical Illness Platinum Plan vs Health Companion Variant 3
Critical Illness Platinum Plan vs Plus Youth
Critical Illness Platinum Plan vs ProHealth Prime Advantage
Critical Illness Platinum Plan vs Critical Illness Silver Plan
Critical Illness Platinum Plan vs Health Premia Gold
Critical Illness Platinum Plan vs Health Premia Platinum
Critical Illness Platinum Plan vs Comprehensive
Critical Illness Platinum Plan vs HeartBeat Enhanced
Critical Illness Platinum Plan vs Reassure
Critical Illness Platinum Plan vs Health Recharge Super Top Up Plan
Critical Illness Platinum Plan vs myHealth Suraksha Platinum
Critical Illness Platinum Plan vs Supreme Value for Money
Critical Illness Platinum Plan vs Supreme Enhance Two
Critical Illness Platinum Plan vs Supreme Senior Super
Critical Illness Platinum Plan vs Supreme Enhance
Critical Illness Platinum Plan vs Reassure 2.0 Gold
Critical Illness Platinum Plan vs Active Fit Preferred
Critical Illness Platinum Plan vs LifeTime Health
Critical Illness Platinum Plan vs Medicare
Critical Illness Platinum Plan vs ProHealth Prime Active
Critical Illness Platinum Plan vs ProHealth Prime Senior Elite
Critical Illness Platinum Plan vs Advanced Top Up
Critical Illness Platinum Plan vs Multiplier Health
Critical Illness Platinum Plan vs Ultimate (Direct)
Critical Illness Platinum Plan vs Young Star
Critical Illness Platinum Plan vs Star Women Care Policy
Critical Illness Platinum Plan vs Family Plus
Critical Illness Platinum Plan vs Sarvah Param
Critical Illness Platinum Plan vs Optima Insurance
Critical Illness Platinum Plan vs Smart Super Health Assure
Critical Illness Platinum Plan vs Criti Shield Plus
Critical Illness Platinum Plan vs Health Care Supreme Ultimo
Critical Illness Platinum Plan vs Health Shield 360 Retail
Critical Illness Platinum Plan vs Super Star
Critical Illness Platinum Plan vs Reassure 3.0 Black
Critical Illness Platinum Plan vs Health Guard Platinum
Critical Illness Platinum Plan vs Health Guard Gold
Critical Illness Platinum Plan vs Elevate (Direct)
Critical Illness Platinum Plan vs Senior First Platinum
Critical Illness Platinum Plan vs Extra Care Plus Super Top-up
Critical Illness Platinum Plan vs Health Care Supreme Smart
Critical Illness Platinum Plan vs Medi Classic Gold
Critical Illness Platinum Plan vs Smart Health Pro
Critical Illness Platinum Plan vs Optima Super Secure
Critical Illness Platinum Plan vs Special Care
Critical Illness Platinum Plan vs Optima Secure Global
Critical Illness Platinum Plan vs Medicare LITE
Critical Illness Platinum Plan vs Health Shield 360
Critical Illness Platinum Plan vs NextGen
Critical Illness Platinum Plan vs SecureHealth
Critical Illness Platinum Plan vs Energy Silver With Copay
Critical Illness Platinum Plan vs Supreme (Direct)
Critical Illness Platinum Plan vs Plus
Critical Illness Platinum Plan vs Medicare Select
Critical Illness Platinum Plan vs myHealth Koti Suraksha
Critical Illness Platinum Plan vs Senior
Critical Illness Platinum Plan vs myHealth Suraksha Silver
Critical Illness Platinum Plan vs Cardiac Care Platinum
Critical Illness Platinum Plan vs Royal Sundaram Lifeline Elite
Critical Illness Platinum Plan vs HeartBeat Platinum
Critical Illness Platinum Plan vs Supreme Enhance One
Critical Illness Platinum Plan vs HeartBeat Gold
Critical Illness Platinum Plan vs Aspire Titanium+
Critical Illness Platinum Plan vs iHealth Plus
Critical Illness Platinum Plan vs Reassure 3.0 Classic
Critical Illness Platinum Plan vs Senior Health Advantage
Critical Illness Platinum Plan vs Health Wallet
Critical Illness Platinum Plan vs Elevate
Critical Illness Platinum Plan vs Heart
Critical Illness Platinum Plan vs Reassure 2.0 Titanium+
Critical Illness Platinum Plan vs Diabetes Safe Plan A
Critical Illness Platinum Plan vs Reassure 2.0 Bronze+
Critical Illness Platinum Plan vs Young Star Silver
Critical Illness Platinum Plan vs Enhance Super Top-up
Critical Illness Platinum Plan vs Joy
Critical Illness Platinum Plan vs Supreme Senior Health AdvantEdge
Critical Illness Platinum Plan vs Supreme Super Saver
Critical Illness Platinum Plan vs Health Insurance Platinum
Comprehensive vs Supreme Senior Premium
Comprehensive vs Ultimate
Comprehensive vs Optima Secure
Comprehensive vs Super Mediclaim
Comprehensive vs Critical Illness Platinum Plan
Comprehensive vs Health Recharge
Comprehensive vs Optima Secure Plus
Comprehensive vs Cancer Cover Activ Cancer Secure Plan
Comprehensive vs Optima Secure Global Plus
Comprehensive vs LifeTime Health Global
Comprehensive vs Women Care
Comprehensive vs Aspire Diamond+
Comprehensive vs Activate Booster Plan A
Comprehensive vs Health Super Saver Standard
Comprehensive vs Active Care Premier
Comprehensive vs ProHealth Accumulate
Comprehensive vs Supreme Shine
Comprehensive vs Health Cardiac Care Silver & Gold Plan
Comprehensive vs myHealth Suraksha Gold
Comprehensive vs Elder Care
Comprehensive vs Young Star Gold
Comprehensive vs Assure
Comprehensive vs Active Fit Plus
Comprehensive vs Cancer Care Platinum
Comprehensive vs OneHealth Premium
Comprehensive vs Optima Lite
Comprehensive vs ProHealth Prime Protect
Comprehensive vs Medicare Plus
Comprehensive vs Activ Health Platinum Essential
Comprehensive vs Medicare Senior
Comprehensive vs Enhance Super Top-up Two
Comprehensive vs Reassure 3.0
Comprehensive vs Medicare Protect
Comprehensive vs Activ One SAVR
Comprehensive vs Active Assure Diamond
Comprehensive vs Activ One VIP
Comprehensive vs Health Pulse Classic
Comprehensive vs Advantage
Comprehensive vs Mediclaim Insurance Policy
Comprehensive vs Special Care Gold
Comprehensive vs Activ One Max
Comprehensive vs Classic
Comprehensive vs Activ One Vytl
Comprehensive vs Supreme
Comprehensive vs Freedom
Comprehensive vs Sarvah Pratham
Comprehensive vs Joy Today
Comprehensive vs Medi Classic
Comprehensive vs Activate Booster Plan B
Comprehensive vs Aspire Gold+
Comprehensive vs Health Gain
Comprehensive vs Aspire Platinum+
Comprehensive vs Plus Complete
Comprehensive vs Reassure 2.0 Platinum+
Comprehensive vs Reassure 3.0 Elite
Comprehensive vs EquiCover
Comprehensive vs Enhance Super Top-up One
Comprehensive vs Joy Tomorrow
Comprehensive vs Reassure 3.0 Select
Comprehensive vs Activ One VIP+
Comprehensive vs Red Carpet Senior Citizens
Comprehensive vs Super Surplus Gold
Comprehensive vs Health SuperCharge
Comprehensive vs Medicare Premier
Comprehensive vs Family Health Optima
Comprehensive vs Health Companion Variant 2022
Comprehensive vs Health Companion Variant 3
Comprehensive vs Plus Youth
Comprehensive vs ProHealth Prime Advantage
Comprehensive vs Critical Illness Silver Plan
Comprehensive vs Health Premia Gold
Comprehensive vs Health Premia Platinum
Comprehensive vs HeartBeat Enhanced
Comprehensive vs Reassure
Comprehensive vs Health Recharge Super Top Up Plan
Comprehensive vs myHealth Suraksha Platinum
Comprehensive vs Supreme Value for Money
Comprehensive vs Supreme Enhance Two
Comprehensive vs Supreme Senior Super
Comprehensive vs Supreme Enhance
Comprehensive vs Reassure 2.0 Gold
Comprehensive vs Active Fit Preferred
Comprehensive vs LifeTime Health
Comprehensive vs Medicare
Comprehensive vs ProHealth Prime Active
Comprehensive vs ProHealth Prime Senior Elite
Comprehensive vs Advanced Top Up
Comprehensive vs Multiplier Health
Comprehensive vs Ultimate (Direct)
Comprehensive vs Young Star
Comprehensive vs Star Women Care Policy
Comprehensive vs Family Plus
Comprehensive vs Sarvah Param
Comprehensive vs Optima Insurance
Comprehensive vs Smart Super Health Assure
Comprehensive vs Criti Shield Plus
Comprehensive vs Health Care Supreme Ultimo
Comprehensive vs Health Shield 360 Retail
Comprehensive vs Super Star
Comprehensive vs Reassure 3.0 Black
Comprehensive vs Health Guard Platinum
Comprehensive vs Health Guard Gold
Comprehensive vs Elevate (Direct)
Comprehensive vs Senior First Platinum
Comprehensive vs Extra Care Plus Super Top-up
Comprehensive vs Health Care Supreme Smart
Comprehensive vs Medi Classic Gold
Comprehensive vs Smart Health Pro
Comprehensive vs Optima Super Secure
Comprehensive vs Special Care
Comprehensive vs Optima Secure Global
Comprehensive vs Medicare LITE
Comprehensive vs Health Shield 360
Comprehensive vs NextGen
Comprehensive vs SecureHealth
Comprehensive vs Energy Silver With Copay
Comprehensive vs Supreme (Direct)
Comprehensive vs Plus
Comprehensive vs Medicare Select
Comprehensive vs myHealth Koti Suraksha
Comprehensive vs Senior
Comprehensive vs myHealth Suraksha Silver
Comprehensive vs Cardiac Care Platinum
Comprehensive vs Royal Sundaram Lifeline Elite
Comprehensive vs HeartBeat Platinum
Comprehensive vs Supreme Enhance One
Comprehensive vs HeartBeat Gold
Comprehensive vs Aspire Titanium+
Comprehensive vs iHealth Plus
Comprehensive vs Reassure 3.0 Classic
Comprehensive vs Senior Health Advantage
Comprehensive vs Health Wallet
Comprehensive vs Elevate
Comprehensive vs Heart
Comprehensive vs Reassure 2.0 Titanium+
Comprehensive vs Diabetes Safe Plan A
Comprehensive vs Reassure 2.0 Bronze+
Comprehensive vs Young Star Silver
Comprehensive vs Enhance Super Top-up
Comprehensive vs Joy
Comprehensive vs Supreme Senior Health AdvantEdge
Comprehensive vs Supreme Super Saver
Comprehensive vs Health Insurance Platinum
Oneassure
Health Insurance
Compare Health Insurance Plans
Critical Illness Platinum Plan Vs Comprehensive
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

