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Insurance Plans Comparison

Star Smart Health Pro vs Star Cardiac Care Platinum

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

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Star

Smart Health Pro

Customisable online health insurance with high Sum Insured options, restoration, wellness benefits and optional coverage enhancements.

What Makes It Special:

Smart Health Pro is an online health insurance plan built around flexible coverage. It provides hospitalisation, daycare, AYUSH, modern treatment, home care, ambulance and annual health check-up benefits, while optional covers allow customers to modify room eligibility, add consumables, reduce the PED waiting period and increase cumulative bonus.

Best For:

  • Young adults and families seeking flexible health insurance

  • Customers looking for Sum Insured up to ₹1 Crore

  • Customers interested in restoration benefits

  • People seeking extended post-hospitalisation coverage

  • Buyers who want optional coverage customisation

VS
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.

Insurance Plans Comparison

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Quick Decision Guide

  • Reasons to Consider: Sum Insured options range from ₹5 Lakh to ₹1 Crore.

  • Reasons to Consider: The base plan provides automatic restoration once during the policy year.

  • Reasons to Consider: Home care and air ambulance benefits are included.

  • Reasons to Consider: Post-hospitalisation expenses are covered for up to 180 days.

  • Reasons to Consider: Optional covers allow additional customisation.

  • Things to Consider: The base PED waiting period is 48 months.

  • Things to Consider: Entry age is limited to the eligibility specified by the product.

  • Things to Consider: Several enhanced benefits require optional covers and additional premium.

  • Things to Consider: The product is available online only.

  • Things to Consider: Room category and consumables options depend on the selected cover.

  • 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

Smart Health Pro
Smart Health Pro

Health Insurance Plan

VS
Cardiac Care Platinum
Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent

Smart Health Pro

Private Single A/C Room; optional room modification available

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

Smart Health Pro

Covered up to Sum Insured

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

Smart Health Pro

Applicable limits may apply

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

Smart Health Pro

No standard co-payment specified

VS

Cardiac Care Platinum

No co-payment clause found in the policy documents.

Restoration Benefit

Smart Health Pro

100% once under base cover; unlimited restoration available as an optional cover

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

Smart Health Pro

Available through Star Health network hospitals

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

Smart Health Pro

50% of Sum Insured for each claim-free year, up to 100%; optional booster up to 600%

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

Smart Health Pro

Covered up to Sum Insured

VS

Cardiac Care Platinum

All Day care procedures are covered.

AYUSH Treatment

Smart Health Pro

Covered up to Sum Insured

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

Smart Health Pro

Optional cover available

VS

Cardiac Care Platinum

Not mentioned as a separate benefit in the policy documents.

Initial Waiting Period

Smart Health Pro

30 Days, except applicable accident and renewal cases

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

Smart Health Pro

24 Months for specified conditions and procedures

VS

Cardiac Care Platinum

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

PED Waiting Period

Smart Health Pro

48 Months under the base plan; optional reduction available

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

Smart Health Pro

Covered up to Sum Insured

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

Smart Health Pro

Available every policy year, subject to applicable limits

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

Smart Health Pro

Up to 60 Days

VS

Cardiac Care Platinum

Up to 30 days before admission.

Post-Hospitalisation

Smart Health Pro

Up to 180 Days

VS

Cardiac Care Platinum

Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Smart Health Pro

Not a standard OPD benefit

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

Smart Health Pro

Not specified as a standard base deductible

VS

Cardiac Care Platinum

Not available or mentioned in the policy documents.

Coverage Options

Smart Health Pro

₹5 Lakh to ₹1 Crore

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

Smart Health Pro

Not specified

VS

Cardiac Care Platinum

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

Maternity Cover

Smart Health Pro

Optional maternity-related cover may be selected subject to product terms

VS

Cardiac Care Platinum

Not covered; maternity is excluded under Code Excl 18.

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

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