Insurance Plans Comparison
HDFC ERGO Optima Lite vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Lite
Optima Lite
What Makes It Special:
Optima Lite 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.
Quick Decision Guide
Not available
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 Lite Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day |
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 |
|---|
Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy |
VS VS |
Cardiac Care Platinum Information Unavailable |
| ICU Charges |
|---|
Optima Lite 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 |
|---|
Optima Lite Not mentioned |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Optima Lite 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 |
|---|
Optima Lite Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 3 Years Specific Disease/Procedure Waiting Period: 2 Years |
VS VS |
Cardiac Care Platinum Information Unavailable |
| Cashless Healthcare Providers |
|---|
Optima Lite 16,000+ Cashless 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 |
|---|
Optima Lite 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 |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Cumulative Bonus |
|---|
Optima Lite 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 |
|---|
Optima Lite Covered up to Sum Insured |
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 Lite Information Unavailable |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| Initial Waiting Period |
|---|
Optima Lite 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 |
|---|
Optima Lite 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 |
|---|
Optima Lite 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 |
|---|
Optima Lite 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 |
|---|
Optima Lite 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 |
|---|
Optima Lite Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Optima Lite Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Lite 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 |
|---|
Optima Lite Information Unavailable |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Optima Lite 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 |
|---|
Optima Lite Information Unavailable |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Optima Lite Information Unavailable |
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 Lite vs Optima Secure
Optima Lite vs Super Mediclaim
Optima Lite vs Health Recharge
Optima Lite vs Cancer Cover Activ Cancer Secure Plan
Optima Lite vs Optima Secure Plus
Optima Lite vs Women Care
Optima Lite vs Aspire Diamond+
Optima Lite vs Activate Booster Plan A
Optima Lite vs Active Care Premier
Optima Lite vs ProHealth Accumulate
Optima Lite vs Health Super Saver Standard
Optima Lite vs Supreme Shine
Optima Lite vs Optima Secure Global Plus
Optima Lite vs Health Cardiac Care Silver & Gold Plan
Optima Lite vs myHealth Suraksha Gold
Optima Lite vs LifeTime Health Global
Optima Lite vs Active Fit Plus
Optima Lite vs OneHealth Premium
Optima Lite vs Activ Health Platinum Essential
Optima Lite vs Medicare Plus
Optima Lite vs Medicare Senior
Optima Lite vs Enhance Super Top-up Two
Optima Lite vs Medicare Protect
Optima Lite vs Activ One SAVR
Optima Lite vs Active Assure Diamond
Optima Lite vs Activ One VIP
Optima Lite vs Health Pulse Classic
Optima Lite vs Advantage
Optima Lite vs Special Care Gold
Optima Lite vs Activ One Max
Optima Lite vs Classic
Optima Lite vs Activ One Vytl
Optima Lite vs Supreme
Optima Lite vs Freedom
Optima Lite vs Sarvah Pratham
Optima Lite vs Joy Today
Optima Lite vs Medi Classic
Optima Lite vs Activate Booster Plan B
Optima Lite vs Aspire Gold+
Optima Lite vs Aspire Platinum+
Optima Lite vs Plus Complete
Optima Lite vs Reassure 2.0 Platinum+
Optima Lite vs Elder Care
Optima Lite vs Reassure 3.0 Elite
Optima Lite vs EquiCover
Optima Lite vs Young Star Gold
Optima Lite vs Enhance Super Top-up One
Optima Lite vs Joy Tomorrow
Optima Lite vs Activ One VIP+
Optima Lite vs Reassure 3.0 Select
Optima Lite vs Red Carpet Senior Citizens
Optima Lite vs Medicare Premier
Optima Lite vs Family Health Optima
Optima Lite vs Health Companion Variant 2022
Optima Lite vs Health Companion Variant 3
Optima Lite vs Plus Youth
Optima Lite vs Assure
Optima Lite vs Health Premia Gold
Optima Lite vs Health Premia Platinum
Optima Lite vs Cancer Care Platinum
Optima Lite vs ProHealth Prime Protect
Optima Lite vs Comprehensive
Optima Lite vs HeartBeat Enhanced
Optima Lite vs Reassure
Optima Lite vs Supreme Senior Premium
Optima Lite vs Health Recharge Super Top Up Plan
Optima Lite vs Reassure 3.0
Optima Lite vs myHealth Suraksha Platinum
Optima Lite vs Supreme Value for Money
Optima Lite vs Supreme Senior Super
Optima Lite vs Supreme Enhance
Optima Lite vs Reassure 2.0 Gold
Optima Lite vs Medicare
Optima Lite vs Ultimate (Direct)
Optima Lite vs Young Star
Optima Lite vs Sarvah Param
Optima Lite vs Optima Insurance
Optima Lite vs Smart Super Health Assure
Optima Lite vs Reassure 3.0 Black
Optima Lite vs Health Guard Platinum
Optima Lite vs Health Guard Gold
Optima Lite vs Elevate (Direct)
Optima Lite vs Extra Care Plus Super Top-up
Optima Lite vs Health Care Supreme Smart
Optima Lite vs Smart Health Pro
Optima Lite vs Medi Classic Gold
Optima Lite vs Optima Super Secure
Optima Lite vs Special Care
Optima Lite vs Medicare LITE
Optima Lite vs Health Shield 360
Optima Lite vs SecureHealth
Optima Lite vs Supreme (Direct)
Optima Lite vs Plus
Optima Lite vs Mediclaim Insurance Policy
Optima Lite vs Medicare Select
Optima Lite vs Health Gain
Optima Lite vs myHealth Koti Suraksha
Optima Lite vs Senior
Optima Lite vs myHealth Suraksha Silver
Optima Lite vs Cardiac Care Platinum
Optima Lite vs Royal Sundaram Lifeline Elite
Optima Lite vs Super Surplus Gold
Optima Lite vs Supreme Enhance One
Optima Lite vs Supreme Enhance Two
Optima Lite vs HeartBeat Platinum
Optima Lite vs HeartBeat Gold
Optima Lite vs Health SuperCharge
Optima Lite vs Aspire Titanium+
Optima Lite vs iHealth Plus
Optima Lite vs ProHealth Prime Advantage
Optima Lite vs Active Fit Preferred
Optima Lite vs Reassure 3.0 Classic
Optima Lite vs Senior Health Advantage
Optima Lite vs Health Wallet
Optima Lite vs Elevate
Optima Lite vs Heart
Optima Lite vs LifeTime Health
Optima Lite vs Reassure 2.0 Titanium+
Optima Lite vs ProHealth Prime Active
Optima Lite vs ProHealth Prime Senior Elite
Optima Lite vs Advanced Top Up
Optima Lite vs Multiplier Health
Optima Lite vs Diabetes Safe Plan A
Optima Lite vs Reassure 2.0 Bronze+
Optima Lite vs Enhance Super Top-up
Optima Lite vs Young Star Silver
Optima Lite vs Star Women Care Policy
Optima Lite vs Joy
Optima Lite vs Supreme Senior Health AdvantEdge
Optima Lite vs Family Plus
Optima Lite vs Criti Shield Plus
Optima Lite vs Health Care Supreme Ultimo
Optima Lite vs Health Shield 360 Retail
Optima Lite vs Super Star
Optima Lite vs Supreme Super Saver
Optima Lite vs Senior First Platinum
Optima Lite vs Optima Secure Global
Optima Lite vs NextGen
Optima Lite vs Health Insurance Platinum
Optima Lite 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)

