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OneAssure allows you to compare multiple health insurance policies side by side, analyzing coverage, premiums, hospital networks, and benefits to choose the most suitable plan for your needs.

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Cashless claims let you get treatment at network hospitals without paying upfront, while reimbursement claims require you to pay first and get refunded later.

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Yes, OneAssure’s insurance experts guide you in selecting plans with maternity benefits, newborn cover, and short waiting periods for family planning needs.

How do co-payment clauses impact health insurance premiums and claim settlements?

Co-payment means you share a part of the claim cost. Opting for co-pay lowers your premium but increases your out-of-pocket expenses.

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Plans with comprehensive coverage, minimal waiting periods, and optional critical illness riders are ideal. OneAssure helps identify policies that best meet these requirements.

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Compare Health Insurance Plans

Young Star Gold Vs Cardiac Care Platinum

Insurance Plans Comparison

Star Young Star Gold vs Star Cardiac Care Platinum

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare coverage, benefits, and premiums to find the perfect plan for your needs.

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

Young Star Gold

Star Health Young Star Gold Plan

What Makes It Special:

Star Young Star Gold is a smart health insurance plan designed for young adults, offering sum insured options from ₹3 lakh up to ₹1 crore. The plan covers hospitalization, daycare procedures, pre and post-hospitalization expenses, and provides cashless treatment across a wide hospital network. It features no pre-acceptance medical screening,...

Best For:

Young families using a floater policy
Customers wanting automatic restoration
Flexible payment and coverage options
Comprehensive high-limit individual and floater
Smart young adult health protection

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

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.

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Quick Decision Guide

Star Young Star Gold

You seek automatic sum insured restoration
You enjoy wellness rewards and teleconsultations
You value maternity and newborn benefits included
You want cashless treatments at many hospitals
You prefer no medical screening for easy entry
You want broad coverage up to ₹1 crore

Star Cardiac Care Platinum

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

Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

VS

Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent
Young Star Gold Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category	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
Young Star Gold No restriction on ICU room rent	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
Young Star Gold Yes, certain diseases have coverage limits	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.

Disease-wise sublimits

Young Star Gold

Yes, certain diseases have coverage limits

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
Young Star Gold Not Available	Cardiac Care Platinum No co-payment clause found in the policy documents.

Cashless Healthcare Providers
Young Star Gold 13000+ 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.

Restoration Benefit
Young Star Gold Sum insured restores to 100% after each claim during the policy year	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
Young Star Gold Sum insured increases by 20% every year, up to 100% max	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
Young Star Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured	Cardiac Care Platinum All Day care procedures are covered.

Consumable Cover
Young Star Gold Yes	Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment
Young Star Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period	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
Young Star Gold 30 days.	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
Young Star Gold 1 year	Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Young Star Gold 1 year	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
Young Star Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period	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
Young Star Gold Health check-up is available once every policy year, from day 1 of the policy	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
Young Star Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved	Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Young Star Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it	Cardiac Care Platinum Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)
Young Star Gold Not covered under base plan (available as add-on)	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
Young Star Gold Available as an option	Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Young Star Gold Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr	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
Young Star Gold 82.31%	Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Young Star Gold Available	Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Young Star Gold

Health Insurance Plan

Brochure

Policy Wording

VS

Cardiac Care Platinum

Health Insurance Plan

Brochure

Room Rent
Young Star Gold Single Private Room is included as part of base cover. However, you can opt for Room Modifier Add-on to upgrade or downgrade the room category
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
Young Star Gold No restriction on ICU room rent
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.

Disease-wise sublimits
Young Star Gold Yes, certain diseases have coverage limits
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.

Co-payment
Young Star Gold Not Available
VS VS
Cardiac Care Platinum No co-payment clause found in the policy documents.

Cashless Healthcare Providers
Young Star Gold 13000+ Healthcare Providers
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
Young Star Gold Sum insured restores to 100% after each claim during the policy year
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
Young Star Gold Sum insured increases by 20% every year, up to 100% max
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
Young Star Gold Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured
VS VS
Cardiac Care Platinum All Day care procedures are covered.

Consumable Cover
Young Star Gold Yes
VS VS
Cardiac Care Platinum Not mentioned as a separate benefit in the policy documents.

AYUSH Treatment
Young Star Gold Covers AYUSH treatment expenses up to your annual sum insured during the policy period
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
Young Star Gold 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
Young Star Gold 1 year
VS VS
Cardiac Care Platinum 24 months for listed diseases and procedures in Section 1; 24 months for heart transplantation.

PED Waiting Period
Young Star Gold 1 year
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
Young Star Gold Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
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
Young Star Gold Health check-up is available once every policy year, from day 1 of the policy
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
Young Star Gold You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
VS VS
Cardiac Care Platinum Up to 30 days before admission.

Post-Hospitalisation
Young Star Gold You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
VS VS
Cardiac Care Platinum Up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)
Young Star Gold Not covered under base plan (available as add-on)
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
Young Star Gold Available as an option
VS VS
Cardiac Care Platinum Not available or mentioned in the policy documents.

Coverage Options
Young Star Gold Available coverage options:₹3L, ₹5L, 10L, 15L, 20L, 25L, 50L, 75L and 1 Cr
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
Young Star Gold 82.31%
VS VS
Cardiac Care Platinum 92.16% of claims settled by number in FY 2025–26.

Maternity Cover
Young Star Gold Available
VS VS
Cardiac Care Platinum Not covered; maternity is excluded under Code Excl 18.

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.

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Pure advice, no unwanted calls, no unnecessary push

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

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

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

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

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

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

Smart, Tech-Enabled Experience

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

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

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

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

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Cardiac Care Platinum vs Heart

Cardiac Care Platinum vs LifeTime Health

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Cardiac Care Platinum vs ProHealth Prime Active

Cardiac Care Platinum vs ProHealth Prime Senior Elite

Cardiac Care Platinum vs Advanced Top Up

Cardiac Care Platinum vs Multiplier Health

Cardiac Care Platinum vs Diabetes Safe Plan A

Cardiac Care Platinum vs Reassure 2.0 Bronze+

Cardiac Care Platinum vs Enhance Super Top-up

Cardiac Care Platinum vs Young Star Silver

Cardiac Care Platinum vs Star Women Care Policy

Cardiac Care Platinum vs Joy

Cardiac Care Platinum vs Supreme Senior Health AdvantEdge

Cardiac Care Platinum vs Family Plus

Cardiac Care Platinum vs Criti Shield Plus

Cardiac Care Platinum vs Health Care Supreme Ultimo

Cardiac Care Platinum vs Health Shield 360 Retail

Cardiac Care Platinum vs Super Star

Cardiac Care Platinum vs Supreme Super Saver

Cardiac Care Platinum vs Senior First Platinum

Cardiac Care Platinum vs Optima Secure Global

Cardiac Care Platinum vs NextGen

Cardiac Care Platinum vs Health Insurance Platinum

Cardiac Care Platinum vs Energy Silver With Copay

Cardiac Care Platinum vs Optima Secure

Cardiac Care Platinum vs Super Mediclaim

Cardiac Care Platinum vs Health Recharge

Cardiac Care Platinum vs Cancer Cover Activ Cancer Secure Plan

Cardiac Care Platinum vs Optima Secure Plus

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