Insurance Plans Comparison
Niva Bupa Senior First Platinum vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSenior First Platinum
Niva Bupa Senior First Platinum
What Makes It Special:
Niva Bupa Senior First Platinum is made for seniors to help them feel secure about health costs, giving full coverage for hospital stays, yearly check-ups, and quick claims. It’s simple to use and takes care of most medical needs without complicated rules.It covers expenses for in-patient hospitalization in a single...
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
Senior First Platinum Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Senior First Platinum Single Private Room 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 |
|---|
Senior First Platinum Modern treatments covered up to Sum Insured |
VS VS |
Cardiac Care Platinum Information Unavailable |
| ICU Charges |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 50% co-payment. |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Not mentioned — verify from policy wordings. Not mentioned — verify from policy wordings. Not mentioned — verify from policy wordings. |
VS VS |
Cardiac Care Platinum Information Unavailable |
| Cashless Healthcare Providers |
|---|
Senior First Platinum Not mentioned — verify from policy wordings |
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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Covered up to Sum Insured |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Cumulative Bonus |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Information Unavailable |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| Initial Waiting Period |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Senior First Platinum Information Unavailable |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Information Unavailable |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Senior First Platinum 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 |
|---|
Senior First Platinum Information Unavailable |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Senior First Platinum 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
Senior First Platinum vs Optima Secure
Senior First Platinum vs Super Mediclaim
Senior First Platinum vs Health Recharge
Senior First Platinum vs Cancer Cover Activ Cancer Secure Plan
Senior First Platinum vs Optima Secure Plus
Senior First Platinum vs Women Care
Senior First Platinum vs Aspire Diamond+
Senior First Platinum vs Activate Booster Plan A
Senior First Platinum vs Active Care Premier
Senior First Platinum vs ProHealth Accumulate
Senior First Platinum vs Health Super Saver Standard
Senior First Platinum vs Supreme Shine
Senior First Platinum vs Optima Secure Global Plus
Senior First Platinum vs Health Cardiac Care Silver & Gold Plan
Senior First Platinum vs myHealth Suraksha Gold
Senior First Platinum vs LifeTime Health Global
Senior First Platinum vs Active Fit Plus
Senior First Platinum vs OneHealth Premium
Senior First Platinum vs Activ Health Platinum Essential
Senior First Platinum vs Medicare Plus
Senior First Platinum vs Medicare Senior
Senior First Platinum vs Enhance Super Top-up Two
Senior First Platinum vs Medicare Protect
Senior First Platinum vs Activ One SAVR
Senior First Platinum vs Active Assure Diamond
Senior First Platinum vs Activ One VIP
Senior First Platinum vs Health Pulse Classic
Senior First Platinum vs Advantage
Senior First Platinum vs Special Care Gold
Senior First Platinum vs Activ One Max
Senior First Platinum vs Classic
Senior First Platinum vs Activ One Vytl
Senior First Platinum vs Supreme
Senior First Platinum vs Freedom
Senior First Platinum vs Sarvah Pratham
Senior First Platinum vs Joy Today
Senior First Platinum vs Medi Classic
Senior First Platinum vs Activate Booster Plan B
Senior First Platinum vs Aspire Gold+
Senior First Platinum vs Aspire Platinum+
Senior First Platinum vs Plus Complete
Senior First Platinum vs Reassure 2.0 Platinum+
Senior First Platinum vs Elder Care
Senior First Platinum vs Reassure 3.0 Elite
Senior First Platinum vs EquiCover
Senior First Platinum vs Young Star Gold
Senior First Platinum vs Enhance Super Top-up One
Senior First Platinum vs Joy Tomorrow
Senior First Platinum vs Activ One VIP+
Senior First Platinum vs Reassure 3.0 Select
Senior First Platinum vs Red Carpet Senior Citizens
Senior First Platinum vs Medicare Premier
Senior First Platinum vs Family Health Optima
Senior First Platinum vs Health Companion Variant 2022
Senior First Platinum vs Health Companion Variant 3
Senior First Platinum vs Plus Youth
Senior First Platinum vs Assure
Senior First Platinum vs Health Premia Gold
Senior First Platinum vs Health Premia Platinum
Senior First Platinum vs Cancer Care Platinum
Senior First Platinum vs Optima Lite
Senior First Platinum vs ProHealth Prime Protect
Senior First Platinum vs Comprehensive
Senior First Platinum vs HeartBeat Enhanced
Senior First Platinum vs Reassure
Senior First Platinum vs Supreme Senior Premium
Senior First Platinum vs Health Recharge Super Top Up Plan
Senior First Platinum vs Reassure 3.0
Senior First Platinum vs myHealth Suraksha Platinum
Senior First Platinum vs Supreme Value for Money
Senior First Platinum vs Supreme Senior Super
Senior First Platinum vs Supreme Enhance
Senior First Platinum vs Reassure 2.0 Gold
Senior First Platinum vs Medicare
Senior First Platinum vs Ultimate (Direct)
Senior First Platinum vs Young Star
Senior First Platinum vs Sarvah Param
Senior First Platinum vs Optima Insurance
Senior First Platinum vs Smart Super Health Assure
Senior First Platinum vs Reassure 3.0 Black
Senior First Platinum vs Health Guard Platinum
Senior First Platinum vs Health Guard Gold
Senior First Platinum vs Elevate (Direct)
Senior First Platinum vs Extra Care Plus Super Top-up
Senior First Platinum vs Health Care Supreme Smart
Senior First Platinum vs Smart Health Pro
Senior First Platinum vs Medi Classic Gold
Senior First Platinum vs Optima Super Secure
Senior First Platinum vs Special Care
Senior First Platinum vs Medicare LITE
Senior First Platinum vs Health Shield 360
Senior First Platinum vs SecureHealth
Senior First Platinum vs Supreme (Direct)
Senior First Platinum vs Plus
Senior First Platinum vs Mediclaim Insurance Policy
Senior First Platinum vs Medicare Select
Senior First Platinum vs Health Gain
Senior First Platinum vs myHealth Koti Suraksha
Senior First Platinum vs Senior
Senior First Platinum vs myHealth Suraksha Silver
Senior First Platinum vs Cardiac Care Platinum
Senior First Platinum vs Royal Sundaram Lifeline Elite
Senior First Platinum vs Super Surplus Gold
Senior First Platinum vs Supreme Enhance One
Senior First Platinum vs Supreme Enhance Two
Senior First Platinum vs HeartBeat Platinum
Senior First Platinum vs HeartBeat Gold
Senior First Platinum vs Health SuperCharge
Senior First Platinum vs Aspire Titanium+
Senior First Platinum vs iHealth Plus
Senior First Platinum vs ProHealth Prime Advantage
Senior First Platinum vs Active Fit Preferred
Senior First Platinum vs Reassure 3.0 Classic
Senior First Platinum vs Senior Health Advantage
Senior First Platinum vs Health Wallet
Senior First Platinum vs Elevate
Senior First Platinum vs Heart
Senior First Platinum vs LifeTime Health
Senior First Platinum vs Reassure 2.0 Titanium+
Senior First Platinum vs ProHealth Prime Active
Senior First Platinum vs ProHealth Prime Senior Elite
Senior First Platinum vs Advanced Top Up
Senior First Platinum vs Multiplier Health
Senior First Platinum vs Diabetes Safe Plan A
Senior First Platinum vs Reassure 2.0 Bronze+
Senior First Platinum vs Enhance Super Top-up
Senior First Platinum vs Young Star Silver
Senior First Platinum vs Star Women Care Policy
Senior First Platinum vs Joy
Senior First Platinum vs Supreme Senior Health AdvantEdge
Senior First Platinum vs Family Plus
Senior First Platinum vs Criti Shield Plus
Senior First Platinum vs Health Care Supreme Ultimo
Senior First Platinum vs Health Shield 360 Retail
Senior First Platinum vs Super Star
Senior First Platinum vs Supreme Super Saver
Senior First Platinum vs Optima Secure Global
Senior First Platinum vs NextGen
Senior First Platinum vs Health Insurance Platinum
Senior First Platinum 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
Oneassure
Health Insurance
Compare Health Insurance Plans
Senior First Platinum Vs Cardiac Care Platinum
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

