Insurance Plans Comparison
Star Special Care Gold vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSpecial Care Gold
Special Care Gold
What Makes It Special:
Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.
Best For:
Customers who need defined coverage with optional co-payment waiver
Customers looking for AYUSH hospitalisation coverage
Families seeking specialised health insurance for eligible members
Eligible individuals living with HIV/AIDS
Eligible persons with disabilities
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.
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Quick Decision Guide
No pre-policy medical test is required, subject to submission requirements.
A co-payment waiver is available for additional premium.
AYUSH inpatient treatment is covered up to 100% of Sum Insured.
Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.
The product is specifically structured for disability and HIV/AIDS-related eligibility.
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
![]() Special Care Gold Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Special Care Gold Up to 1% of Sum Insured per day |
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. |
| ICU Charges |
|---|
Special Care Gold Up to 2% of Sum Insured per day |
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. |
| Disease-wise sublimits |
|---|
Special Care Gold Specified treatment limits apply |
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. |
| Co-payment |
|---|
Special Care Gold 20% on all claims; waiver available for additional premium |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Restoration Benefit |
|---|
Special Care Gold Not specified |
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. |
| Cashless Healthcare Providers |
|---|
Special Care Gold Cashless treatment available at network hospitals |
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. |
| Cumulative Bonus |
|---|
Special Care Gold Not specified |
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. |
| Daycare Treatment |
|---|
Special Care Gold All daycare procedures covered |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Consumable Cover |
|---|
Special Care Gold Not specified |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| AYUSH Treatment |
|---|
Special Care Gold Covered up to 100% of 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. |
| Initial Waiting Period |
|---|
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
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 |
|---|
Special Care Gold 24 Months |
VS VS |
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
| PED Waiting Period |
|---|
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
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 |
|---|
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
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 |
|---|
Special Care Gold Not specified |
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 |
|---|
Special Care Gold Up to 30 Days |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Special Care Gold Up to 60 Days |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Special Care Gold Not a standard OPD benefit |
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 |
|---|
Special Care Gold Not specified |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
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 |
|---|
Special Care Gold Not specified |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Special Care Gold Not specified as a standard maternity benefit |
VS VS |
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
Insurance Plans Comparison
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