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Insurance Plans Comparison

Star Cardiac Care Platinum vs Star Red Carpet Senior Citizens

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Star

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
Star

Red Carpet Senior Citizens

Senior Citizen Health Insurance with Lifelong Renewability

What Makes It Special:

A senior citizen health insurance policy designed for people entering between 60 and 75 years, with lifelong renewability and individual or floater sum insured options. The brochure lists hospitalization, daycare treatment and senior-focused coverage, along with medical underwriting and optional premium payment modes.

Best For:

  • Senior citizens aged 60 to 75 years

  • People looking for lifelong renewability

  • Customers considering individual or floater cover

  • Seniors seeking dedicated hospitalization protection

  • Customers who want multiple policy-term choices

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.

  • Check the applicable room and hospitalization benefit table before purchase

  • Review medical underwriting requirements based on age, health history and sum insured

  • Review waiting periods and exclusions in the policy wording

  • Compare individual and floater coverage based on family requirements

  • Check premium loading for monthly, quarterly or half-yearly payment modes

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

VS
Red Carpet Senior Citizens
Red Carpet Senior Citizens

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

Red Carpet Senior Citizens

  1. Covered according to the applicable room, boarding and nursing benefit table
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

Red Carpet Senior Citizens

Covered as per the applicable hospitalization benefit

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

Red Carpet Senior Citizens

Not fully specified in the retrieved source

Co-payment

Cardiac Care Platinum

No co-payment clause found in the policy documents.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Available through network hospitals, subject to policy terms

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Daycare Treatment

Cardiac Care Platinum

All Day care procedures are covered.

VS

Red Carpet Senior Citizens

All daycare procedures covered

Consumable Cover

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Covered, subject to policy terms

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

Red Carpet Senior Citizens

  1. Not specified in the retrieved source
Specific Waiting Period

Cardiac Care Platinum

24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

  1. Covered, subject to policy-specified 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

Red Carpet Senior Citizens

Not specified in the retrieved source

Pre-Hospitalisation

Cardiac Care Platinum

Up to 30 days before admission.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Post-Hospitalisation

Cardiac Care Platinum

Up to 60 days after discharge.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Not specified in the retrieved source

Deductible Option

Cardiac Care Platinum

Not available or mentioned in the policy documents.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

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

Red Carpet Senior Citizens

Individual and Floater Sum Insured

Claim Settlement Ratio

Cardiac Care Platinum

92.16% of claims settled by number in FY 2025–26.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Maternity Cover

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

VS

Red Carpet Senior Citizens

Not specified in the retrieved source

Insurance Plans Comparison

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Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

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Family Health Plan

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

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Cardiac Care Platinum Vs Red Carpet Senior Citizens

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