Insurance Plans Comparison
Star Super Star vs Star Cardiac Care Platinum
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Star
Super Star
What Makes It Special:
Super Star is a highly customizable health insurance plan with broad hospitalisation coverage, unlimited restoration and flexible optional benefits. The product supports individual, floater and multi-individual structures and includes Freeze Your Age, wellness rewards, premium waiver and optional maternity and newborn covers
Best For:
Buyers who want extensive optional cover choices
Customers looking for any-room eligibility
Customers interested in unlimited restoration
Families wanting flexible floater options
Individuals seeking broad health coverage
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
Not available
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
![]() Super Star Health Insurance Plan VS VS |
![]() Cardiac Care Platinum Health Insurance Plan |
| Room Rent |
|---|
Super Star Any Room |
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 |
|---|
Super Star Covered up to Sum Insured |
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. |
| Co-payment |
|---|
Super Star No mandatory co-payment; voluntary options available |
VS VS |
Cardiac Care Platinum No co-payment clause found in the policy documents. |
| Disease-wise sublimits |
|---|
Super Star Applicable treatment-specific limits may 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. |
| Cashless Healthcare Providers |
|---|
Super Star Cashless treatment through 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. |
| Restoration Benefit |
|---|
Super Star Automatic restoration up to 100%, unlimited number of times |
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. |
| Cumulative Bonus |
|---|
Super Star 50% of Sum Insured for each claim-free year, up to 100% |
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 |
|---|
Super Star All daycare procedures covered |
VS VS |
Cardiac Care Platinum All Day care procedures are covered. |
| Consumable Cover |
|---|
Super Star Available subject to selected cover |
VS VS |
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents. |
| AYUSH Treatment |
|---|
Super Star Covered up to 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 |
|---|
Super Star 30 Days |
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 |
|---|
Super Star 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 |
|---|
Super Star 36 Months |
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 |
|---|
Super Star Covered up to Sum Insured |
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 |
|---|
Super Star Available subject to policy terms |
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 |
|---|
Super Star Up to 90 Days |
VS VS |
Cardiac Care Platinum Up to 30 days before admission. |
| Post-Hospitalisation |
|---|
Super Star Up to 180 Days |
VS VS |
Cardiac Care Platinum Up to 60 days after discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Star Not a standard base 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 |
|---|
Super Star Optional aggregate deductible available |
VS VS |
Cardiac Care Platinum Not available or mentioned in the policy documents. |
| Coverage Options |
|---|
Super Star ₹5 Lakh to ₹1 Crore and Unlimited Sum Insured under the applicable option |
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 |
|---|
Super Star Not specified |
VS VS |
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26. |
| Maternity Cover |
|---|
Super Star Available through optional covers |
VS VS |
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18. |
Insurance Plans Comparison
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