Insurance Plans Comparison
HDFC ERGO Critical Illness Silver Plan vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreCritical Illness Silver Plan
Affordable lump-sum cover for 8 major critical illnesses
What Makes It Special:
The Silver Plan pays the sum insured as a single lump sum on first diagnosis of any one of 8 listed critical illnesses after the chosen survival period of 15 or 30 days, and at every age band and sum insured its premium is lower than the Platinum Plan's, which...
Best For:
Buyers topping up an existing critical illness benefit from an employer or a life insurer with additional standalone cover
Younger applicants looking to start critical illness cover early, since entry is permitted from 5 years of age
Buyers who already hold a hospitalisation policy and want a separate lump sum for income loss and non-medical costs
Buyers whose main concern is the four most common critical illness categories — heart, cancer, stroke and kidney failure
Buyers who want critical illness cover at the lowest premium within this product and accept a shorter list of covered conditions
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
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
Set the sum insured against the income and costs you would need to replace during treatment rather than against expected hospital bills, because the payout is a fixed benefit and not a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, weigh whether the Silver Plan's lower premium still meets your need over that delay.
The benefit is payable once, so treat this as a supplement to a hospitalisation policy and not a substitute for one.
The plan pays only on first diagnosis of a listed condition as defined in the policy, so read the severity thresholds on heart attack, cancer and stroke before assuming a diagnosis will qualify.
Compare the 8-illness list against the Platinum Plan's 15 before choosing, since the Silver Plan excludes Parkinson's disease, Alzheimer's disease, benign brain tumour, end-stage liver failure, surgery of aorta, primary pulmonary hypertension and heart valve replacement or repair.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Critical Illness Silver Plan Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
|---|
Critical Illness Silver Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
|---|
Critical Illness Silver Plan Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
|---|
Critical Illness Silver Plan Information Unavailable |
VS VS |
Comprehensive
|
| Cashless Healthcare Providers |
|---|
Critical Illness Silver Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Critical Illness Silver Plan Not applicable — the benefit is payable once, on first diagnosis |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
Critical Illness Silver Plan Not specified |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
|---|
Critical Illness Silver Plan Not applicable. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
|---|
Critical Illness Silver Plan 90 days |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
|---|
Critical Illness Silver Plan Not specified. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Critical Illness Silver Plan 48 months for all pre-existing conditions declared and/or accepted at application |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
|---|
Critical Illness Silver Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
VS VS |
Comprehensive
|
| Annual Health Checkup |
|---|
Critical Illness Silver Plan Not specified. A pre-policy medical check may be required based on age and sum insured; 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Critical Illness Silver Plan Not applicable |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Critical Illness Silver Plan Not specified — cover is written per insured person; no individual/floater structure is stated |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
Critical Illness Silver Plan 97% approximately |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Critical Illness Silver Plan Not covered. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
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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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
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