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Insurance Plans Comparison

Star Health Cardiac Care Silver & Gold Plan vs Royal Sundaram Royal Sundaram Lifeline Elite

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
Royal Sundaram

Royal Sundaram Lifeline Elite

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

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.

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
Royal Sundaram Lifeline Elite
Royal Sundaram Lifeline Elite

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

Royal Sundaram Lifeline Elite

  1. Normal: Covered up to the sum insured.

     

  2. ICU: Covered up to the sum insured.
ICU Charges

Health Cardiac Care Silver & Gold Plan

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

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Advanced Treatments

Health Cardiac Care Silver & Gold Plan

Information Unavailable

VS

Royal Sundaram Lifeline Elite

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

Health Cardiac Care Silver & Gold Plan

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

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.

Disease-wise sublimits

Health Cardiac Care Silver & Gold Plan

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

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Waiting Period

Health Cardiac Care Silver & Gold Plan

Information Unavailable

VS

Royal Sundaram Lifeline Elite

  1. 30 days for illnesses (excluding accidents).
  2. 24 months for specific treatments like cataract surgery and joint replacements.
  3. 48 months for pre-existing diseases.
Restoration Benefit

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Cashless Healthcare Providers

Health Cardiac Care Silver & Gold Plan

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

VS

Royal Sundaram Lifeline Elite

10,000+ HealthCare Providers.

Daycare Treatment

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

VS

Royal Sundaram Lifeline Elite

Covers all day care procedures that require hospitalization for less than 24 hours, up to the sum insured.

Cumulative Bonus

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

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

Royal Sundaram Lifeline Elite

Expenses for alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.

Consumable Cover

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Initial Waiting Period

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Specific Waiting Period

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

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

Royal Sundaram Lifeline Elite

Information Unavailable

Modern Treatment

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Annual Health Checkup

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Pre-Hospitalisation

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

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

Royal Sundaram Lifeline Elite

Information Unavailable

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

Royal Sundaram Lifeline Elite

Information Unavailable

Deductible Option

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Coverage Options

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Claim Settlement Ratio

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

VS

Royal Sundaram Lifeline Elite

Information Unavailable

Maternity Cover

Health Cardiac Care Silver & Gold Plan

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

VS

Royal Sundaram Lifeline Elite

Information Unavailable

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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Pure advice, no unwanted calls, no unnecessary push

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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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 Royal Sundaram Lifeline Elite

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