Insurance Plans Comparison
Star Cardiac Care Platinum vs Niva Bupa Health Recharge
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCardiac 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
Health Recharge
Super top-up health insurance for additional financial protection against hospitalisation expenses.
What Makes It Special:
Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.
Best For:
Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.
People looking for optional personal accident or critical illness cover.
Buyers who want to supplement an existing base health insurance policy.
Families seeking a higher total health cover with a chosen deductible.
People who already have employer-provided or individual health insurance and want additional cover.
Insurance Plans Comparison
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Quick Decision Guide
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.
Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.
Review the waiting periods and exclusions in the complete policy wording before purchasing.
Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.
Check whether your existing health insurance cover and the selected deductible work well together.
Choose a deductible you can comfortably pay before the plan begins contributing.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Cardiac Care Platinum Health Insurance Plan VS VS |
Health Recharge Health Insurance Plan |
| 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 |
Health Recharge Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible. |
| 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 |
Health Recharge Covered up to sum insured with no specific restrictions. |
| 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 |
Health Recharge Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K) |
| Co-payment |
|---|
Cardiac Care Platinum No co-payment clause found in the policy documents. |
VS VS |
Health Recharge Not applicable; annual aggregate deductible is the cost-sharing mechanism. |
| 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 |
Health Recharge Not available under Health Recharge plan. |
| 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 |
Health Recharge 10,000+ Niva Bupa empanelled network hospitals. |
| 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 |
Health Recharge Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L). |
| Daycare Treatment |
|---|
Cardiac Care Platinum All Day care procedures are covered. |
VS VS |
Health Recharge All eligible day-care treatments covered up to sum insured. |
| Consumable Cover |
|---|
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
VS VS |
Health Recharge Yes, medicines, drugs and consumables as prescribed by treating practitioner. |
| 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 |
Health Recharge Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI. |
| 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 |
Health Recharge 30 days from first policy commencement (no exception for accidents). |
| Specific Waiting Period |
|---|
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
VS VS |
Health Recharge 24 months for specified diseases and procedures listed in policy. |
| 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 |
Health Recharge 36 months continuous coverage from policy inception. |
| 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 |
Health Recharge Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits. |
| 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 |
Health Recharge Not listed as base benefit; health assessment available separately. |
| Pre-Hospitalisation |
|---|
Cardiac Care Platinum Up to 30 days before admission. |
VS VS |
Health Recharge Up to 60 days before hospitalisation when related claim is admissible. |
| Post-Hospitalisation |
|---|
Cardiac Care Platinum Up to 60 days after discharge. |
VS VS |
Health Recharge Up to 90 days after discharge for eligible medical expenses. |
| 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 |
Health Recharge Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access. |
| Deductible Option |
|---|
Cardiac Care Platinum Not available or mentioned in the policy documents. |
VS VS |
Health Recharge Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available. |
| 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 |
Health Recharge ₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L. |
| Claim Settlement Ratio |
|---|
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
VS VS |
Health Recharge 80% |
| Maternity Cover |
|---|
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
VS VS |
Health Recharge Excluded under this policy. |
Insurance Plans Comparison
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