Insurance Plans Comparison
HDFC ERGO Optima Secure vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Secure
Get up to 4X coverage with built-in benefits that increase your cover, restore your sum insured and protect you against specified non-medical hospital expenses.
What Makes It Special:
HDFC ERGO Optima Secure is a comprehensive health insurance plan offering coverage from ₹5 lakh to ₹2 crore for individuals and families. It provides a Secure Benefit that doubles your coverage from day one, Plus Benefit that grows it further on renewal, and Restore Benefit that reinstates the base sum after a...
Best For:
Comprehensive Family Health Insurance
Multi-Benefit Medical Protection Plan
Coverage with Automatic Sum Boost
Restoration-enabled Secure Health Policy
VS
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.
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
Coverage growth with Secure and Plus Benefits
Automatic sum insured restoration after claims
No room-rent or ICU restrictions
Annual health check-ups and preventive care
Long-term loyalty rewards and discounts
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Secure Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Optima Secure All room categories are covered |
VS VS |
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. |
| ICU Charges |
|---|
Optima Secure No restriction on ICU room rent |
VS VS |
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated. |
| Co-payment |
|---|
Optima Secure Not available |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Optima Secure No |
VS VS |
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. |
| Restoration Benefit |
|---|
Optima Secure Yes, your sum insured restores to 100% once every policy year |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Optima Secure 16000+ Healthcare Providers |
VS VS |
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. |
| Daycare Treatment |
|---|
Optima Secure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Cumulative Bonus |
|---|
Optima Secure Your sum insured increases by 50% every year, maximum up to 300% |
VS VS |
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD. |
| AYUSH Treatment |
|---|
Optima Secure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
VS VS |
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. |
| Consumable Cover |
|---|
Optima Secure Yes |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| Initial Waiting Period |
|---|
Optima Secure 30 days |
VS VS |
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. |
| Specific Waiting Period |
|---|
Optima Secure 2 years |
VS VS |
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
| PED Waiting Period |
|---|
Optima Secure 3 years |
VS VS |
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2. |
| Modern Treatment |
|---|
Optima Secure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
VS VS |
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. |
| Annual Health Checkup |
|---|
Optima Secure Health check-up is available after the first policy year |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Optima Secure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Optima Secure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Secure OPD expense is not included |
VS VS |
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. |
| Deductible Option |
|---|
Optima Secure Available as an option |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Optima Secure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹1 Cr and ₹2 Cr |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Optima Secure 98% |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Optima Secure Not in base plan; available as paid add-on. |
VS VS |
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
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
Optima Secure vs Super Mediclaim
Optima Secure vs Health Recharge
Optima Secure vs Cancer Cover Activ Cancer Secure Plan
Optima Secure vs Optima Secure Plus
Optima Secure vs Women Care
Optima Secure vs Aspire Diamond+
Optima Secure vs Activate Booster Plan A
Optima Secure vs Active Care Premier
Optima Secure vs ProHealth Accumulate
Optima Secure vs Health Super Saver Standard
Optima Secure vs Supreme Shine
Optima Secure vs Optima Secure Global Plus
Optima Secure vs Health Cardiac Care Silver & Gold Plan
Optima Secure vs myHealth Suraksha Gold
Optima Secure vs LifeTime Health Global
Optima Secure vs Active Fit Plus
Optima Secure vs OneHealth Premium
Optima Secure vs Activ Health Platinum Essential
Optima Secure vs Medicare Plus
Optima Secure vs Medicare Senior
Optima Secure vs Enhance Super Top-up Two
Optima Secure vs Medicare Protect
Optima Secure vs Activ One SAVR
Optima Secure vs Active Assure Diamond
Optima Secure vs Activ One VIP
Optima Secure vs Health Pulse Classic
Optima Secure vs Advantage
Optima Secure vs Special Care Gold
Optima Secure vs Activ One Max
Optima Secure vs Classic
Optima Secure vs Activ One Vytl
Optima Secure vs Supreme
Optima Secure vs Freedom
Optima Secure vs Sarvah Pratham
Optima Secure vs Joy Today
Optima Secure vs Medi Classic
Optima Secure vs Activate Booster Plan B
Optima Secure vs Aspire Gold+
Optima Secure vs Aspire Platinum+
Optima Secure vs Plus Complete
Optima Secure vs Reassure 2.0 Platinum+
Optima Secure vs Elder Care
Optima Secure vs Reassure 3.0 Elite
Optima Secure vs EquiCover
Optima Secure vs Young Star Gold
Optima Secure vs Enhance Super Top-up One
Optima Secure vs Joy Tomorrow
Optima Secure vs Activ One VIP+
Optima Secure vs Reassure 3.0 Select
Optima Secure vs Red Carpet Senior Citizens
Optima Secure vs Medicare Premier
Optima Secure vs Family Health Optima
Optima Secure vs Health Companion Variant 2022
Optima Secure vs Health Companion Variant 3
Optima Secure vs Plus Youth
Optima Secure vs Assure
Optima Secure vs Health Premia Gold
Optima Secure vs Health Premia Platinum
Optima Secure vs Cancer Care Platinum
Optima Secure vs Optima Lite
Optima Secure vs ProHealth Prime Protect
Optima Secure vs Comprehensive
Optima Secure vs HeartBeat Enhanced
Optima Secure vs Reassure
Optima Secure vs Supreme Senior Premium
Optima Secure vs Health Recharge Super Top Up Plan
Optima Secure vs Reassure 3.0
Optima Secure vs myHealth Suraksha Platinum
Optima Secure vs Supreme Value for Money
Optima Secure vs Supreme Senior Super
Optima Secure vs Supreme Enhance
Optima Secure vs Reassure 2.0 Gold
Optima Secure vs Medicare
Optima Secure vs Ultimate (Direct)
Optima Secure vs Young Star
Optima Secure vs Sarvah Param
Optima Secure vs Optima Insurance
Optima Secure vs Smart Super Health Assure
Optima Secure vs Reassure 3.0 Black
Optima Secure vs Health Guard Platinum
Optima Secure vs Health Guard Gold
Optima Secure vs Elevate (Direct)
Optima Secure vs Extra Care Plus Super Top-up
Optima Secure vs Health Care Supreme Smart
Optima Secure vs Smart Health Pro
Optima Secure vs Medi Classic Gold
Optima Secure vs Optima Super Secure
Optima Secure vs Special Care
Optima Secure vs Medicare LITE
Optima Secure vs Health Shield 360
Optima Secure vs SecureHealth
Optima Secure vs Supreme (Direct)
Optima Secure vs Plus
Optima Secure vs Mediclaim Insurance Policy
Optima Secure vs Medicare Select
Optima Secure vs Health Gain
Optima Secure vs myHealth Koti Suraksha
Optima Secure vs Senior
Optima Secure vs myHealth Suraksha Silver
Optima Secure vs Cardiac Care Platinum
Optima Secure vs Royal Sundaram Lifeline Elite
Optima Secure vs Super Surplus Gold
Optima Secure vs Supreme Enhance One
Optima Secure vs Supreme Enhance Two
Optima Secure vs HeartBeat Platinum
Optima Secure vs HeartBeat Gold
Optima Secure vs Health SuperCharge
Optima Secure vs Aspire Titanium+
Optima Secure vs iHealth Plus
Optima Secure vs ProHealth Prime Advantage
Optima Secure vs Active Fit Preferred
Optima Secure vs Reassure 3.0 Classic
Optima Secure vs Senior Health Advantage
Optima Secure vs Health Wallet
Optima Secure vs Elevate
Optima Secure vs Heart
Optima Secure vs LifeTime Health
Optima Secure vs Reassure 2.0 Titanium+
Optima Secure vs ProHealth Prime Active
Optima Secure vs ProHealth Prime Senior Elite
Optima Secure vs Advanced Top Up
Optima Secure vs Multiplier Health
Optima Secure vs Diabetes Safe Plan A
Optima Secure vs Reassure 2.0 Bronze+
Optima Secure vs Enhance Super Top-up
Optima Secure vs Young Star Silver
Optima Secure vs Star Women Care Policy
Optima Secure vs Joy
Optima Secure vs Supreme Senior Health AdvantEdge
Optima Secure vs Family Plus
Optima Secure vs Criti Shield Plus
Optima Secure vs Health Care Supreme Ultimo
Optima Secure vs Health Shield 360 Retail
Optima Secure vs Super Star
Optima Secure vs Supreme Super Saver
Optima Secure vs Senior First Platinum
Optima Secure vs Optima Secure Global
Optima Secure vs NextGen
Optima Secure vs Health Insurance Platinum
Optima Secure vs Energy Silver With Copay
Cardiac Care Platinum vs Optima Secure
Cardiac Care Platinum vs Super Mediclaim
Cardiac Care Platinum vs Health Recharge
Cardiac Care Platinum vs Cancer Cover Activ Cancer Secure Plan
Cardiac Care Platinum vs Optima Secure Plus
Cardiac Care Platinum vs Women Care
Cardiac Care Platinum vs Aspire Diamond+
Cardiac Care Platinum vs Activate Booster Plan A
Cardiac Care Platinum vs Active Care Premier
Cardiac Care Platinum vs ProHealth Accumulate
Cardiac Care Platinum vs Health Super Saver Standard
Cardiac Care Platinum vs Supreme Shine
Cardiac Care Platinum vs Optima Secure Global Plus
Cardiac Care Platinum vs Health Cardiac Care Silver & Gold Plan
Cardiac Care Platinum vs myHealth Suraksha Gold
Cardiac Care Platinum vs LifeTime Health Global
Cardiac Care Platinum vs Active Fit Plus
Cardiac Care Platinum vs OneHealth Premium
Cardiac Care Platinum vs Activ Health Platinum Essential
Cardiac Care Platinum vs Medicare Plus
Cardiac Care Platinum vs Medicare Senior
Cardiac Care Platinum vs Enhance Super Top-up Two
Cardiac Care Platinum vs Medicare Protect
Cardiac Care Platinum vs Activ One SAVR
Cardiac Care Platinum vs Active Assure Diamond
Cardiac Care Platinum vs Activ One VIP
Cardiac Care Platinum vs Health Pulse Classic
Cardiac Care Platinum vs Advantage
Cardiac Care Platinum vs Special Care Gold
Cardiac Care Platinum vs Activ One Max
Cardiac Care Platinum vs Classic
Cardiac Care Platinum vs Activ One Vytl
Cardiac Care Platinum vs Supreme
Cardiac Care Platinum vs Freedom
Cardiac Care Platinum vs Sarvah Pratham
Cardiac Care Platinum vs Joy Today
Cardiac Care Platinum vs Medi Classic
Cardiac Care Platinum vs Activate Booster Plan B
Cardiac Care Platinum vs Aspire Gold+
Cardiac Care Platinum vs Aspire Platinum+
Cardiac Care Platinum vs Plus Complete
Cardiac Care Platinum vs Reassure 2.0 Platinum+
Cardiac Care Platinum vs Elder Care
Cardiac Care Platinum vs Reassure 3.0 Elite
Cardiac Care Platinum vs EquiCover
Cardiac Care Platinum vs Young Star Gold
Cardiac Care Platinum vs Enhance Super Top-up One
Cardiac Care Platinum vs Joy Tomorrow
Cardiac Care Platinum vs Activ One VIP+
Cardiac Care Platinum vs Reassure 3.0 Select
Cardiac Care Platinum vs Red Carpet Senior Citizens
Cardiac Care Platinum vs Medicare Premier
Cardiac Care Platinum vs Family Health Optima
Cardiac Care Platinum vs Health Companion Variant 2022
Cardiac Care Platinum vs Health Companion Variant 3
Cardiac Care Platinum vs Plus Youth
Cardiac Care Platinum vs Assure
Cardiac Care Platinum vs Health Premia Gold
Cardiac Care Platinum vs Health Premia Platinum
Cardiac Care Platinum vs Cancer Care Platinum
Cardiac Care Platinum vs Optima Lite
Cardiac Care Platinum vs ProHealth Prime Protect
Cardiac Care Platinum vs Comprehensive
Cardiac Care Platinum vs HeartBeat Enhanced
Cardiac Care Platinum vs Reassure
Cardiac Care Platinum vs Supreme Senior Premium
Cardiac Care Platinum vs Health Recharge Super Top Up Plan
Cardiac Care Platinum vs Reassure 3.0
Cardiac Care Platinum vs myHealth Suraksha Platinum
Cardiac Care Platinum vs Supreme Value for Money
Cardiac Care Platinum vs Supreme Senior Super
Cardiac Care Platinum vs Supreme Enhance
Cardiac Care Platinum vs Reassure 2.0 Gold
Cardiac Care Platinum vs Medicare
Cardiac Care Platinum vs Ultimate (Direct)
Cardiac Care Platinum vs Young Star
Cardiac Care Platinum vs Sarvah Param
Cardiac Care Platinum vs Optima Insurance
Cardiac Care Platinum vs Smart Super Health Assure
Cardiac Care Platinum vs Reassure 3.0 Black
Cardiac Care Platinum vs Health Guard Platinum
Cardiac Care Platinum vs Health Guard Gold
Cardiac Care Platinum vs Elevate (Direct)
Cardiac Care Platinum vs Extra Care Plus Super Top-up
Cardiac Care Platinum vs Health Care Supreme Smart
Cardiac Care Platinum vs Smart Health Pro
Cardiac Care Platinum vs Medi Classic Gold
Cardiac Care Platinum vs Optima Super Secure
Cardiac Care Platinum vs Special Care
Cardiac Care Platinum vs Medicare LITE
Cardiac Care Platinum vs Health Shield 360
Cardiac Care Platinum vs SecureHealth
Cardiac Care Platinum vs Supreme (Direct)
Cardiac Care Platinum vs Plus
Cardiac Care Platinum vs Mediclaim Insurance Policy
Cardiac Care Platinum vs Medicare Select
Cardiac Care Platinum vs Health Gain
Cardiac Care Platinum vs myHealth Koti Suraksha
Cardiac Care Platinum vs Senior
Cardiac Care Platinum vs myHealth Suraksha Silver
Cardiac Care Platinum vs Royal Sundaram Lifeline Elite
Cardiac Care Platinum vs Super Surplus Gold
Cardiac Care Platinum vs Supreme Enhance One
Cardiac Care Platinum vs Supreme Enhance Two
Cardiac Care Platinum vs HeartBeat Platinum
Cardiac Care Platinum vs HeartBeat Gold
Cardiac Care Platinum vs Health SuperCharge
Cardiac Care Platinum vs Aspire Titanium+
Cardiac Care Platinum vs iHealth Plus
Cardiac Care Platinum vs ProHealth Prime Advantage
Cardiac Care Platinum vs Active Fit Preferred
Cardiac Care Platinum vs Reassure 3.0 Classic
Cardiac Care Platinum vs Senior Health Advantage
Cardiac Care Platinum vs Health Wallet
Cardiac Care Platinum vs Elevate
Cardiac Care Platinum vs Heart
Cardiac Care Platinum vs LifeTime Health
Cardiac Care Platinum vs Reassure 2.0 Titanium+
Cardiac Care Platinum vs ProHealth Prime Active
Cardiac Care Platinum vs ProHealth Prime Senior Elite
Cardiac Care Platinum vs Advanced Top Up
Cardiac Care Platinum vs Multiplier Health
Cardiac Care Platinum vs Diabetes Safe Plan A
Cardiac Care Platinum vs Reassure 2.0 Bronze+
Cardiac Care Platinum vs Enhance Super Top-up
Cardiac Care Platinum vs Young Star Silver
Cardiac Care Platinum vs Star Women Care Policy
Cardiac Care Platinum vs Joy
Cardiac Care Platinum vs Supreme Senior Health AdvantEdge
Cardiac Care Platinum vs Family Plus
Cardiac Care Platinum vs Criti Shield Plus
Cardiac Care Platinum vs Health Care Supreme Ultimo
Cardiac Care Platinum vs Health Shield 360 Retail
Cardiac Care Platinum vs Super Star
Cardiac Care Platinum vs Supreme Super Saver
Cardiac Care Platinum vs Senior First Platinum
Cardiac Care Platinum vs Optima Secure Global
Cardiac Care Platinum vs NextGen
Cardiac Care Platinum vs Health Insurance Platinum
Cardiac Care Platinum vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

