Insurance Plans Comparison
Star Health Gain vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreHealth Gain
Flexible Health Insurance with Hospitalisation and OPD Benefits
What Makes It Special:
Inpatient Hospitalisation and Outpatient Medical Expenses
Best For:
Customers looking for daycare and eligible AYUSH treatment coverage.
Customers who use outpatient services at networked facilities.
Customers seeking flexible Sum Insured options.
Families looking for Individual or Family Floater coverage.
Individuals seeking inpatient and outpatient health insurance benefits.
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
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Quick Decision Guide
Check the treatment-specific sublimits.
Review the pre- and post-hospitalisation benefit periods.
Check the selected OPD benefit limit.
Understand the waiting periods for pre-existing diseases and specified treatments.
Review the co-payment applicable to entry age 61 and above.
Check the room rent limit.
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
![]() Health Gain Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Health Gain
|
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 |
|---|
Health Gain Covered as part of eligible hospitalisation expenses. |
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 |
|---|
Health Gain Sublimits apply to specified treatments, including cataract and listed modern treatments. |
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 |
|---|
Health Gain 20% for insured persons whose age at entry is 61 years and above. |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Restoration Benefit |
|---|
Health Gain 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 |
|---|
Health Gain Cashless treatment is available at eligible network hospitals, subject to pre-authorisation. |
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. |
| Daycare Treatment |
|---|
Health Gain Eligible daycare procedures are covered, subject to policy terms. |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Cumulative Bonus |
|---|
Health Gain 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. |
| AYUSH Treatment |
|---|
Health Gain Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms. |
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 |
|---|
Health Gain Not specified. |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| Initial Waiting Period |
|---|
Health Gain 30 days, except for covered accident-related claims. |
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 |
|---|
Health Gain 24 months for specified diseases and procedures. |
VS VS |
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
| PED Waiting Period |
|---|
Health Gain 36 months for pre-existing diseases. |
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 |
|---|
Health Gain Specified modern treatments are covered, subject to policy limits. |
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 |
|---|
Health Gain 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 |
|---|
Health Gain Covered for up to 30 days before hospital admission. |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Health Gain Covered for up to 60 days after discharge. |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Health Gain Available at networked facilities in India, up to the selected benefit limit. |
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 |
|---|
Health Gain Not specified. |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Health Gain Individual and Family Floater. |
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 |
|---|
Health Gain Insurer-level metric, not a policy benefit. |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Health Gain Maternity expenses are excluded, except for the specified ectopic pregnancy exception. |
VS VS |
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
Insurance Plans Comparison
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