Insurance Plans Comparison
ICICI Lombard Health Shield 360 vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Shield 360
Health Shield 360
What Makes It Special:
Health Shield 360 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
![]() Health Shield 360 Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Health Shield 360 Normal: No Capping (Covered up to Sum Insured) ICU: No Capping (Covered up to Sum Insured) |
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 |
|---|
Health Shield 360 Day Care Procedures Organ Donor Expenses Home Healthcare (Optional) Air Ambulance (Optional) Worldwide Coverage (Optional) |
VS VS |
Cardiac Care Platinum Information Unavailable |
| ICU Charges |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 None (100% claims paid by insurer) |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Initial Waiting Period: 30 days Pre-existing Disease Waiting Period: 24 months |
VS VS |
Cardiac Care Platinum Information Unavailable |
| Cashless Healthcare Providers |
|---|
Health Shield 360 6500+ network hospitals |
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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Covered |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Cumulative Bonus |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| Initial Waiting Period |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Health Shield 360 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 |
|---|
Health Shield 360 Information Unavailable |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Health Shield 360 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
Health Shield 360 vs Optima Secure
Health Shield 360 vs Super Mediclaim
Health Shield 360 vs Health Recharge
Health Shield 360 vs Cancer Cover Activ Cancer Secure Plan
Health Shield 360 vs Optima Secure Plus
Health Shield 360 vs Women Care
Health Shield 360 vs Aspire Diamond+
Health Shield 360 vs Activate Booster Plan A
Health Shield 360 vs Active Care Premier
Health Shield 360 vs ProHealth Accumulate
Health Shield 360 vs Health Super Saver Standard
Health Shield 360 vs Supreme Shine
Health Shield 360 vs Optima Secure Global Plus
Health Shield 360 vs Health Cardiac Care Silver & Gold Plan
Health Shield 360 vs myHealth Suraksha Gold
Health Shield 360 vs LifeTime Health Global
Health Shield 360 vs Active Fit Plus
Health Shield 360 vs OneHealth Premium
Health Shield 360 vs Activ Health Platinum Essential
Health Shield 360 vs Medicare Plus
Health Shield 360 vs Medicare Senior
Health Shield 360 vs Enhance Super Top-up Two
Health Shield 360 vs Medicare Protect
Health Shield 360 vs Activ One SAVR
Health Shield 360 vs Active Assure Diamond
Health Shield 360 vs Activ One VIP
Health Shield 360 vs Health Pulse Classic
Health Shield 360 vs Advantage
Health Shield 360 vs Special Care Gold
Health Shield 360 vs Activ One Max
Health Shield 360 vs Classic
Health Shield 360 vs Activ One Vytl
Health Shield 360 vs Supreme
Health Shield 360 vs Freedom
Health Shield 360 vs Sarvah Pratham
Health Shield 360 vs Joy Today
Health Shield 360 vs Medi Classic
Health Shield 360 vs Activate Booster Plan B
Health Shield 360 vs Aspire Gold+
Health Shield 360 vs Aspire Platinum+
Health Shield 360 vs Plus Complete
Health Shield 360 vs Reassure 2.0 Platinum+
Health Shield 360 vs Elder Care
Health Shield 360 vs Reassure 3.0 Elite
Health Shield 360 vs EquiCover
Health Shield 360 vs Young Star Gold
Health Shield 360 vs Enhance Super Top-up One
Health Shield 360 vs Joy Tomorrow
Health Shield 360 vs Activ One VIP+
Health Shield 360 vs Reassure 3.0 Select
Health Shield 360 vs Red Carpet Senior Citizens
Health Shield 360 vs Medicare Premier
Health Shield 360 vs Family Health Optima
Health Shield 360 vs Health Companion Variant 2022
Health Shield 360 vs Health Companion Variant 3
Health Shield 360 vs Plus Youth
Health Shield 360 vs Assure
Health Shield 360 vs Health Premia Gold
Health Shield 360 vs Health Premia Platinum
Health Shield 360 vs Cancer Care Platinum
Health Shield 360 vs Optima Lite
Health Shield 360 vs ProHealth Prime Protect
Health Shield 360 vs Comprehensive
Health Shield 360 vs HeartBeat Enhanced
Health Shield 360 vs Reassure
Health Shield 360 vs Supreme Senior Premium
Health Shield 360 vs Health Recharge Super Top Up Plan
Health Shield 360 vs Reassure 3.0
Health Shield 360 vs myHealth Suraksha Platinum
Health Shield 360 vs Supreme Value for Money
Health Shield 360 vs Supreme Senior Super
Health Shield 360 vs Supreme Enhance
Health Shield 360 vs Reassure 2.0 Gold
Health Shield 360 vs Medicare
Health Shield 360 vs Ultimate (Direct)
Health Shield 360 vs Young Star
Health Shield 360 vs Sarvah Param
Health Shield 360 vs Optima Insurance
Health Shield 360 vs Smart Super Health Assure
Health Shield 360 vs Reassure 3.0 Black
Health Shield 360 vs Health Guard Platinum
Health Shield 360 vs Health Guard Gold
Health Shield 360 vs Elevate (Direct)
Health Shield 360 vs Extra Care Plus Super Top-up
Health Shield 360 vs Health Care Supreme Smart
Health Shield 360 vs Smart Health Pro
Health Shield 360 vs Medi Classic Gold
Health Shield 360 vs Optima Super Secure
Health Shield 360 vs Special Care
Health Shield 360 vs Medicare LITE
Health Shield 360 vs SecureHealth
Health Shield 360 vs Supreme (Direct)
Health Shield 360 vs Plus
Health Shield 360 vs Mediclaim Insurance Policy
Health Shield 360 vs Medicare Select
Health Shield 360 vs Health Gain
Health Shield 360 vs myHealth Koti Suraksha
Health Shield 360 vs Senior
Health Shield 360 vs myHealth Suraksha Silver
Health Shield 360 vs Cardiac Care Platinum
Health Shield 360 vs Royal Sundaram Lifeline Elite
Health Shield 360 vs Super Surplus Gold
Health Shield 360 vs Supreme Enhance One
Health Shield 360 vs Supreme Enhance Two
Health Shield 360 vs HeartBeat Platinum
Health Shield 360 vs HeartBeat Gold
Health Shield 360 vs Health SuperCharge
Health Shield 360 vs Aspire Titanium+
Health Shield 360 vs iHealth Plus
Health Shield 360 vs ProHealth Prime Advantage
Health Shield 360 vs Active Fit Preferred
Health Shield 360 vs Reassure 3.0 Classic
Health Shield 360 vs Senior Health Advantage
Health Shield 360 vs Health Wallet
Health Shield 360 vs Elevate
Health Shield 360 vs Heart
Health Shield 360 vs LifeTime Health
Health Shield 360 vs Reassure 2.0 Titanium+
Health Shield 360 vs ProHealth Prime Active
Health Shield 360 vs ProHealth Prime Senior Elite
Health Shield 360 vs Advanced Top Up
Health Shield 360 vs Multiplier Health
Health Shield 360 vs Diabetes Safe Plan A
Health Shield 360 vs Reassure 2.0 Bronze+
Health Shield 360 vs Enhance Super Top-up
Health Shield 360 vs Young Star Silver
Health Shield 360 vs Star Women Care Policy
Health Shield 360 vs Joy
Health Shield 360 vs Supreme Senior Health AdvantEdge
Health Shield 360 vs Family Plus
Health Shield 360 vs Criti Shield Plus
Health Shield 360 vs Health Care Supreme Ultimo
Health Shield 360 vs Health Shield 360 Retail
Health Shield 360 vs Super Star
Health Shield 360 vs Supreme Super Saver
Health Shield 360 vs Senior First Platinum
Health Shield 360 vs Optima Secure Global
Health Shield 360 vs NextGen
Health Shield 360 vs Health Insurance Platinum
Health Shield 360 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)

