Insurance Plans Comparison
Star Cardiac Care Platinum vs Star Young Star
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
Young Star
Star Young star policy
What Makes It Special:
Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...
Best For:
Buyers looking for long-term health insurance with lifelong renewability
Customers who want wellness-based premium discounts
Customers looking for automatic restoration of Basic Sum Insured
Young families seeking individual or family floater coverage
Adults between 18 and 40 years looking for health insurance
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.
The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.
The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.
Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.
Specified diseases and procedures have a 12-month waiting period.
The PED waiting period is 12 months.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Cardiac Care Platinum Health Insurance Plan VS VS |
![]() Young Star 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 |
Young Star Single Private A/C Room, with proportionate deductions applicable for higher room categories |
| 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 |
Young Star Covered as part of hospitalisation expenses |
| 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 |
Young Star Applicable limits may apply to specific treatments and benefits |
| Co-payment |
|---|
Cardiac Care Platinum No co-payment clause found in the policy documents. |
VS VS |
Young Star No standard co-payment specified in the supplied policy document |
| 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 |
Young Star 100% Automatic Restoration of Basic Sum Insured, subject to policy conditions |
| 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 |
Young Star Cashless hospitalisation available through Star Health 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 |
Young Star 20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured |
| Daycare Treatment |
|---|
Cardiac Care Platinum All Day care procedures are covered. |
VS VS |
Young Star All Day Care Procedures Covered |
| Consumable Cover |
|---|
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
VS VS |
Young Star Not specifically mentioned in the supplied policy document |
| 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 |
Young Star Covered, subject to applicable 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 VS |
Young Star 30 Days, except for eligible accident-related claims |
| Specific Waiting Period |
|---|
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation. |
VS VS |
Young Star 12 Months for specified diseases and procedures |
| 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 |
Young Star 12 Months for pre-existing diseases and their direct complications |
| 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 |
Young Star Covered subject to applicable 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 |
Young Star Available after completion of each policy year, subject to applicable limits and renewal |
| Pre-Hospitalisation |
|---|
Cardiac Care Platinum Up to 30 days before admission. |
VS VS |
Young Star Covered for up to 60 Days |
| Post-Hospitalisation |
|---|
Cardiac Care Platinum Up to 60 days after discharge. |
VS VS |
Young Star Covered for up to 90 Days |
| 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 |
Young Star Not specified as a standard OPD benefit |
| Deductible Option |
|---|
Cardiac Care Platinum Not available or mentioned in the policy documents. |
VS VS |
Young Star 1-day deductible applies to the Hospital Cash Benefit |
| 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 |
Young Star ₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis |
| Claim Settlement Ratio |
|---|
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
VS VS |
Young Star Not specified in the supplied policy document |
| Maternity Cover |
|---|
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
VS VS |
Young Star Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions |
Insurance Plans Comparison
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