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Insurance Plans Comparison

Star Health Cardiac Care Silver & Gold Plan vs Star Young Star

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

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Star

Health Cardiac Care Silver & Gold Plan

Health Insurance for Individuals with a History of Cardiac Conditions

What Makes It Special:

Cardiac-Focused Health Insurance

Best For:

  • Customers seeking specified modern treatment and eligible AYUSH coverage.

  • Individuals seeking outpatient benefits at network hospitals.

  • Customers comparing Silver and Gold cardiac coverage options.

  • Customers seeking cover for eligible cardiac and non-cardiac hospitalisation.

  • Individuals with a qualifying history of cardiac conditions or procedures.

VS
Star

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

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

  • Check the outpatient benefit limit and network hospital requirements.

  • Review the room rent limit and post-hospitalisation benefit limit.

  • Check the 10% co-payment applicable from age 61.

  • Understand the 30-day initial waiting period and other applicable waiting periods.

  • Review the 90-day cardiac waiting period.

  • Compare the cardiac coverage offered under Silver and Gold.

  • Check whether you meet the policy’s cardiac eligibility criteria.

  • 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

Health Cardiac Care Silver & Gold Plan
Health Cardiac Care Silver & Gold Plan

Health Insurance Plan

VS
Young Star
Young Star

Health Insurance Plan

Room Rent

Health Cardiac Care Silver & Gold Plan

  1. Room, boarding and nursing expenses covered up to ₹5,000 per day.
VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Health Cardiac Care Silver & Gold Plan

Covered as part of eligible hospitalisation expenses, subject to policy terms.

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Health Cardiac Care Silver & Gold Plan

10% for insured persons aged 61 years and above at policy purchase or renewal.

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Health Cardiac Care Silver & Gold Plan

Sublimits apply to specified treatments, including cataract and modern treatments.

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Restoration Benefit

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Cashless Healthcare Providers

Health Cardiac Care Silver & Gold Plan

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

Daycare Treatment

Health Cardiac Care Silver & Gold Plan

Eligible daycare procedures are covered, subject to policy terms.

VS

Young Star

All Day Care Procedures Covered

Cumulative Bonus

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Health Cardiac Care Silver & Gold Plan

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Health Cardiac Care Silver & Gold Plan

30 days, except for covered accident-related claims.

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Health Cardiac Care Silver & Gold Plan

24 months for specified diseases and procedures.

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Health Cardiac Care Silver & Gold Plan

36 months for pre-existing diseases. Cardiac ailments covered under Section II have a separate 90-day waiting period.

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Health Cardiac Care Silver & Gold Plan

Specified modern treatments are covered within the applicable treatment limits.

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


Pre-Hospitalisation

Health Cardiac Care Silver & Gold Plan

Covered for up to 30 days before hospital admission.

VS

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Health Cardiac Care Silver & Gold Plan

Up to 60 days after discharge, limited to 7% of hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Health Cardiac Care Silver & Gold Plan

Up to ₹500 per event, subject to a maximum of ₹1,500 per policy period at network hospitals in India.

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Health Cardiac Care Silver & Gold Plan

Not specified.

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Health Cardiac Care Silver & Gold Plan

Individual coverage with Silver and Gold plan options.

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

Health Cardiac Care Silver & Gold Plan

Insurer-level metric, not a policy benefit.

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Health Cardiac Care Silver & Gold Plan

Not covered, except where the policy provides an applicable accident-related exception.

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

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

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Health Cardiac Care Silver & Gold Plan Vs Young Star

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