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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.

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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?

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Compare Health Insurance Plans

Myhealth Suraksha Gold Vs Cardiac Care Platinum

Insurance Plans Comparison

HDFC ERGO myHealth Suraksha Gold vs Star Cardiac Care Platinum

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...

myHealth Suraksha Gold

What Makes It Special:

myHealth Suraksha is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

Not available

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.

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Quick Decision Guide

HDFC ERGO myHealth Suraksha Gold

Not available

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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

VS

Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Gold Paid in full	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.

Advanced Treatments
myHealth Suraksha Gold Home Healthcare Domiciliary Hospitalization Organ Donor Expenses Mental Healthcare Air Ambulance Cover AYUSH Treatment	Cardiac Care Platinum Information Unavailable

ICU Charges
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold No mandatory co-payment under Tier 1 premium option	Cardiac Care Platinum No co-payment clause found in the policy documents.

Disease-wise sublimits
myHealth Suraksha Gold Information Unavailable	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.

Disease-wise sublimits

myHealth Suraksha Gold

Information Unavailable

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.

Waiting Period
myHealth Suraksha Gold Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months Specific Disease/Procedure Waiting Period: 24 Months	Cardiac Care Platinum Information Unavailable

Cashless Healthcare Providers
myHealth Suraksha Gold Cashless treatment available through network 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.

Restoration Benefit
myHealth Suraksha Gold Information Unavailable	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.

Daycare Treatment
myHealth Suraksha Gold Covered	Cardiac Care Platinum All Day care procedures are covered.

Cumulative Bonus
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Covered	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
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
myHealth Suraksha Gold Information Unavailable	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
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
myHealth Suraksha Gold Information Unavailable	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

myHealth Suraksha Gold

Health Insurance Plan

Brochure

Policy Wording

VS

Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent
myHealth Suraksha Gold Paid in full
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.

Advanced Treatments
myHealth Suraksha Gold Home Healthcare Domiciliary Hospitalization Organ Donor Expenses Mental Healthcare Air Ambulance Cover AYUSH Treatment
VS VS
Cardiac Care Platinum Information Unavailable

ICU Charges
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold No mandatory co-payment under Tier 1 premium option
VS VS
Cardiac Care Platinum No co-payment clause found in the policy documents.

Disease-wise sublimits
myHealth Suraksha Gold Information Unavailable
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.

Waiting Period
myHealth Suraksha Gold Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 36 Months Specific Disease/Procedure Waiting Period: 24 Months
VS VS
Cardiac Care Platinum Information Unavailable

Cashless Healthcare Providers
myHealth Suraksha Gold Cashless treatment available through network 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.

Restoration Benefit
myHealth Suraksha Gold Information Unavailable
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.

Daycare Treatment
myHealth Suraksha Gold Covered
VS VS
Cardiac Care Platinum All Day care procedures are covered.

Cumulative Bonus
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Covered
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
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
myHealth Suraksha Gold Information Unavailable
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
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
myHealth Suraksha Gold Information Unavailable
VS VS
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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End-to-End Support

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

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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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

Insurance Plans Comparison

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