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Compare Health Insurance Plans

Cardiac Care Platinum Vs Royal Sundaram Lifeline Elite

Insurance Plans Comparison

Star Cardiac Care Platinum vs Royal Sundaram Royal Sundaram Lifeline Elite

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...

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.

VS

Royal Sundaram Lifeline Elite

What Makes It Special:

Royal Sundaram Lifeline focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

Not available

Insurance Plans Comparison

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Quick Decision Guide

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.

Royal Sundaram Royal Sundaram Lifeline Elite

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cardiac Care Platinum

Health Insurance Plan

Brochure

VS

Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent
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.	Royal Sundaram Lifeline Elite Normal: Covered up to the sum insured. ICU: Covered up to the sum insured.

ICU Charges
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.	Royal Sundaram Lifeline Elite Information Unavailable

Advanced Treatments
Cardiac Care Platinum Information Unavailable	Royal Sundaram Lifeline Elite Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation d. Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Advanced Treatments

Cardiac Care Platinum

Information Unavailable

Royal Sundaram Lifeline Elite

Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation d. Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Disease-wise sublimits
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.	Royal Sundaram Lifeline Elite Information Unavailable

Disease-wise sublimits

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.

Royal Sundaram Lifeline Elite

Information Unavailable

Co-payment
Cardiac Care Platinum No co-payment clause found in the policy documents.	Royal Sundaram Lifeline Elite No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Waiting Period
Cardiac Care Platinum Information Unavailable	Royal Sundaram Lifeline Elite 30 days for illnesses (excluding accidents). 24 months for specific treatments like cataract surgery and joint replacements. 48 months for pre-existing diseases.

Restoration Benefit
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.	Royal Sundaram Lifeline Elite Information Unavailable

Cashless 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.	Royal Sundaram Lifeline Elite 10,000+ HealthCare Providers.

Cumulative Bonus
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.	Royal Sundaram Lifeline Elite Information Unavailable

Daycare Treatment
Cardiac Care Platinum All Day care procedures are covered.	Royal Sundaram Lifeline Elite Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Consumable Cover
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.	Royal Sundaram Lifeline Elite Information Unavailable

AYUSH Treatment
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.	Royal Sundaram Lifeline Elite Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Initial Waiting Period
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.	Royal Sundaram Lifeline Elite Information Unavailable

Specific Waiting Period
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.	Royal Sundaram Lifeline Elite Information Unavailable

PED Waiting Period
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.	Royal Sundaram Lifeline Elite Information Unavailable

Modern Treatment
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.	Royal Sundaram Lifeline Elite Information Unavailable

Annual Health Checkup
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.	Royal Sundaram Lifeline Elite Information Unavailable

Pre-Hospitalisation
Cardiac Care Platinum Up to 30 days before admission.	Royal Sundaram Lifeline Elite Information Unavailable

Post-Hospitalisation
Cardiac Care Platinum Up to 60 days after discharge.	Royal Sundaram Lifeline Elite Information Unavailable

Outpatient Department Cover (OPD Expense)
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.	Royal Sundaram Lifeline Elite Information Unavailable

Deductible Option
Cardiac Care Platinum Not available or mentioned in the policy documents.	Royal Sundaram Lifeline Elite Information Unavailable

Coverage Options
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.	Royal Sundaram Lifeline Elite Information Unavailable

Claim Settlement Ratio
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.	Royal Sundaram Lifeline Elite Information Unavailable

Maternity Cover
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.	Royal Sundaram Lifeline Elite Information Unavailable

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cardiac Care Platinum

Health Insurance Plan

Brochure

VS

Royal Sundaram Lifeline Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent
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.
VS VS
Royal Sundaram Lifeline Elite Normal: Covered up to the sum insured. ICU: Covered up to the sum insured.

ICU Charges
Cardiac Care Platinum Covered as part of hospitalisation expenses up to Sum Insured in Sections 1 and 2; no separate ICU cap stated.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Advanced Treatments
Cardiac Care Platinum Information Unavailable
VS VS
Royal Sundaram Lifeline Elite Uterine Artery Embolization and HIFU (High intensity focused ultrasound) Balloon Sinuplasty Deep Brain stimulation d. Oral chemotherapy Immunotherapy - Monoclonal Antibody to be given as injection Intra vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchical Thermoplasty Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) IONM - (Intra Operative Neuro Monitoring) Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.

Disease-wise sublimits
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Co-payment
Cardiac Care Platinum No co-payment clause found in the policy documents.
VS VS
Royal Sundaram Lifeline Elite No co-payment is required; the policy covers eligible medical expenses up to the sum insured without any cost-sharing by the insured.

Waiting Period
Cardiac Care Platinum Information Unavailable
VS VS
Royal Sundaram Lifeline Elite 30 days for illnesses (excluding accidents). 24 months for specific treatments like cataract surgery and joint replacements. 48 months for pre-existing diseases.

Restoration Benefit
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Cashless 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.
VS VS
Royal Sundaram Lifeline Elite 10,000+ HealthCare Providers.

Cumulative Bonus
Cardiac Care Platinum 10% of the Basic Sum Insured for each claim-free year, up to 100%; not applicable to Section 3 OPD.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Daycare Treatment
Cardiac Care Platinum All Day care procedures are covered.
VS VS
Royal Sundaram Lifeline Elite Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Consumable Cover
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

AYUSH Treatment
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.
VS VS
Royal Sundaram Lifeline Elite Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Initial Waiting Period
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Specific Waiting Period
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

PED Waiting Period
Cardiac Care Platinum 36 months for non-cardiac pre-existing diseases in Section 1; 30 days for cardiac pre-existing diseases in Section 2.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Modern Treatment
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Annual Health Checkup
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Pre-Hospitalisation
Cardiac Care Platinum Up to 30 days before admission.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Post-Hospitalisation
Cardiac Care Platinum Up to 60 days after discharge.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Outpatient Department Cover (OPD Expense)
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Deductible Option
Cardiac Care Platinum Not available or mentioned in the policy documents.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Coverage Options
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.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Claim Settlement Ratio
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Maternity Cover
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.
VS VS
Royal Sundaram Lifeline Elite Information Unavailable

Insurance Plans Comparison

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Zero Spam. Zero Hassle

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Secure against age-related medical costs
Tailored for seniors healthcare needs

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Multiple coverage options based on your family needs

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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

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Royal Sundaram Lifeline Elite vs Health Premia Gold

Royal Sundaram Lifeline Elite vs Health Premia Platinum

Royal Sundaram Lifeline Elite vs Cancer Care Platinum

Royal Sundaram Lifeline Elite vs Optima Lite

Royal Sundaram Lifeline Elite vs ProHealth Prime Protect

Royal Sundaram Lifeline Elite vs Comprehensive

Royal Sundaram Lifeline Elite vs HeartBeat Enhanced

Royal Sundaram Lifeline Elite vs Reassure

Royal Sundaram Lifeline Elite vs Supreme Senior Premium

Royal Sundaram Lifeline Elite vs Health Recharge Super Top Up Plan

Royal Sundaram Lifeline Elite vs Reassure 3.0

Royal Sundaram Lifeline Elite vs myHealth Suraksha Platinum

Royal Sundaram Lifeline Elite vs Supreme Value for Money

Royal Sundaram Lifeline Elite vs Supreme Senior Super

Royal Sundaram Lifeline Elite vs Supreme Enhance

Royal Sundaram Lifeline Elite vs Reassure 2.0 Gold

Royal Sundaram Lifeline Elite vs Medicare

Royal Sundaram Lifeline Elite vs Ultimate (Direct)

Royal Sundaram Lifeline Elite vs Young Star

Royal Sundaram Lifeline Elite vs Sarvah Param

Royal Sundaram Lifeline Elite vs Optima Insurance

Royal Sundaram Lifeline Elite vs Smart Super Health Assure

Royal Sundaram Lifeline Elite vs Reassure 3.0 Black

Royal Sundaram Lifeline Elite vs Health Guard Platinum

Royal Sundaram Lifeline Elite vs Health Guard Gold

Royal Sundaram Lifeline Elite vs Elevate (Direct)

Royal Sundaram Lifeline Elite vs Extra Care Plus Super Top-up

Royal Sundaram Lifeline Elite vs Health Care Supreme Smart

Royal Sundaram Lifeline Elite vs Smart Health Pro

Royal Sundaram Lifeline Elite vs Medi Classic Gold

Royal Sundaram Lifeline Elite vs Optima Super Secure

Royal Sundaram Lifeline Elite vs Special Care

Royal Sundaram Lifeline Elite vs Medicare LITE

Royal Sundaram Lifeline Elite vs Health Shield 360

Royal Sundaram Lifeline Elite vs SecureHealth

Royal Sundaram Lifeline Elite vs Supreme (Direct)

Royal Sundaram Lifeline Elite vs Plus

Royal Sundaram Lifeline Elite vs Mediclaim Insurance Policy

Royal Sundaram Lifeline Elite vs Medicare Select

Royal Sundaram Lifeline Elite vs Health Gain

Royal Sundaram Lifeline Elite vs myHealth Koti Suraksha

Royal Sundaram Lifeline Elite vs Senior

Royal Sundaram Lifeline Elite vs myHealth Suraksha Silver

Royal Sundaram Lifeline Elite vs Cardiac Care Platinum

Royal Sundaram Lifeline Elite vs Super Surplus Gold

Royal Sundaram Lifeline Elite vs Supreme Enhance One

Royal Sundaram Lifeline Elite vs Supreme Enhance Two

Royal Sundaram Lifeline Elite vs HeartBeat Platinum

Royal Sundaram Lifeline Elite vs HeartBeat Gold

Royal Sundaram Lifeline Elite vs Health SuperCharge

Royal Sundaram Lifeline Elite vs Aspire Titanium+

Royal Sundaram Lifeline Elite vs iHealth Plus

Royal Sundaram Lifeline Elite vs ProHealth Prime Advantage

Royal Sundaram Lifeline Elite vs Active Fit Preferred

Royal Sundaram Lifeline Elite vs Reassure 3.0 Classic

Royal Sundaram Lifeline Elite vs Senior Health Advantage

Royal Sundaram Lifeline Elite vs Health Wallet

Royal Sundaram Lifeline Elite vs Elevate

Royal Sundaram Lifeline Elite vs Heart

Royal Sundaram Lifeline Elite vs LifeTime Health

Royal Sundaram Lifeline Elite vs Reassure 2.0 Titanium+

Royal Sundaram Lifeline Elite vs ProHealth Prime Active

Royal Sundaram Lifeline Elite vs ProHealth Prime Senior Elite

Royal Sundaram Lifeline Elite vs Advanced Top Up

Royal Sundaram Lifeline Elite vs Multiplier Health

Royal Sundaram Lifeline Elite vs Diabetes Safe Plan A

Royal Sundaram Lifeline Elite vs Reassure 2.0 Bronze+

Royal Sundaram Lifeline Elite vs Enhance Super Top-up

Royal Sundaram Lifeline Elite vs Young Star Silver

Royal Sundaram Lifeline Elite vs Star Women Care Policy

Royal Sundaram Lifeline Elite vs Joy

Royal Sundaram Lifeline Elite vs Supreme Senior Health AdvantEdge

Royal Sundaram Lifeline Elite vs Family Plus

Royal Sundaram Lifeline Elite vs Criti Shield Plus

Royal Sundaram Lifeline Elite vs Health Care Supreme Ultimo

Royal Sundaram Lifeline Elite vs Health Shield 360 Retail

Royal Sundaram Lifeline Elite vs Super Star

Royal Sundaram Lifeline Elite vs Supreme Super Saver

Royal Sundaram Lifeline Elite vs Senior First Platinum

Royal Sundaram Lifeline Elite vs Optima Secure Global

Royal Sundaram Lifeline Elite vs NextGen

Royal Sundaram Lifeline Elite vs Health Insurance Platinum

Royal Sundaram Lifeline Elite vs Energy Silver With Copay

Royal Sundaram Lifeline Elite vs Optima Secure

Royal Sundaram Lifeline Elite vs Super Mediclaim

Royal Sundaram Lifeline Elite vs Health Recharge

Royal Sundaram Lifeline Elite vs Cancer Cover Activ Cancer Secure Plan

Royal Sundaram Lifeline Elite vs Optima Secure Plus

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