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Insurance Plans Comparison

Star Health Cardiac Care Silver & Gold Plan vs Niva Bupa Reassure 2.0 Titanium+

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

VS
Niva Bupa

Reassure 2.0 Titanium+

Comprehensive health insurance with unlimited ReAssure+ claims benefit and up to 10X Booster+ accumulation.

What Makes It Special:

Niva Bupa ReAssure 2.0 Titanium+ combines hospitalisation coverage with benefits designed to support long-term medical expenses. ReAssure+ is triggered after the first paid eligible claim and provides unlimited additional claim capacity, subject to a maximum of the Base Sum Insured for each claim under that benefit. Booster+ carries forward unused...

Best For:

  • Premium All-Round Health Coverage

  • High-Sum Insured Family Plan

  • Unlimited Restoration Medical Insurance

  • Global Treatment Protection Policy

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

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

  • You need a very high sum insured with global coverage

  • You prefer unlimited restoration of coverage after every claim

  • You want modern treatment and maternity benefits included

  • You are looking for a premium family floater plan

  • You value wellness programs and annual health check-ups

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

VS
Reassure 2.0 Titanium+
Reassure 2.0 Titanium+

Health Insurance Plan

Room Rent

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
VS

Reassure 2.0 Titanium+

All room categories are covered

ICU Charges

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

VS

Reassure 2.0 Titanium+

No restriction on ICU room rent

Co-payment

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

VS

Reassure 2.0 Titanium+

Not available

Disease-wise sublimits

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

VS

Reassure 2.0 Titanium+

No

Restoration Benefit

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Reassure 2.0 Titanium+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Cashless Healthcare Providers

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

VS

Reassure 2.0 Titanium+

10,000+ Healthcare Providers

Daycare Treatment

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

VS

Reassure 2.0 Titanium+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Cumulative Bonus

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Reassure 2.0 Titanium+

Your sum insured increases by 100% every year, maximum up to 1000%


AYUSH Treatment

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

VS

Reassure 2.0 Titanium+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Reassure 2.0 Titanium+

No. However, available as an add-on

Initial Waiting Period

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

VS

Reassure 2.0 Titanium+

30 days

Specific Waiting Period

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

VS

Reassure 2.0 Titanium+

2 years

PED Waiting Period

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

VS

Reassure 2.0 Titanium+

3 years
 

Modern Treatment

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

VS

Reassure 2.0 Titanium+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Reassure 2.0 Titanium+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

VS

Reassure 2.0 Titanium+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

VS

Reassure 2.0 Titanium+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

VS

Reassure 2.0 Titanium+

OPD expense is not included

Deductible Option

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Reassure 2.0 Titanium+

Available as an option

Coverage Options

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

VS

Reassure 2.0 Titanium+

Available coverage options: ₹5L, ₹7.5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

VS

Reassure 2.0 Titanium+

92.02%

Maternity Cover

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

VS

Reassure 2.0 Titanium+

Not available

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?

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

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Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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Health Cardiac Care Silver & Gold Plan Vs Reassure 2.0 Titanium+

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