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Insurance Plans Comparison

Care Supreme Shine vs Care Ultimate (Direct)

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

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Care

Supreme Shine

Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.

What Makes It Special:

Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.

Best For:

  • People who want unlimited e-consultations with general physicians

  • Customers wanting AYUSH and domiciliary treatment cover

  • People looking for wellness-linked renewal discounts

  • Customers wanting unlimited automatic recharge

  • Families looking for comprehensive health coverage

VS
Care

What Makes It Special:

Ultimate (Direct) focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

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

Care Supreme Shine

  • Check the waiting periods and optional benefits before buying the plan.

  • Wellness benefits can provide up to 30% renewal discount.

  • Unlimited e-consultations with general physicians are included.

  • The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.

  • Consider this plan if you want unlimited automatic recharge during the policy year.

Care Ultimate (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Shine
Supreme Shine

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Ultimate (Direct)

Information Unavailable

Advanced Treatments

Supreme Shine

Information Unavailable

VS

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

Co-payment

Supreme Shine

20% co-payment applies when the optional co-payment benefit is selected

VS

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

Disease-wise sublimits

Supreme Shine

Specific disease-wise sub-limits are not mentioned in the available plan details

VS

Ultimate (Direct)

Information Unavailable

Waiting Period

Supreme Shine

Information Unavailable

VS

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

Restoration Benefit

Supreme Shine

Unlimited automatic recharge restores the base Sum Insured during the policy year

VS

Ultimate (Direct)

Information Unavailable

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

Ultimate (Direct)

Information Unavailable

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

Ultimate (Direct)

Information Unavailable

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Ultimate (Direct)

Information Unavailable

Initial Waiting Period

Supreme Shine

30-day waiting period, except for accident-related claims

VS

Ultimate (Direct)

Information Unavailable

Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

Ultimate (Direct)

Information Unavailable

PED Waiting Period

Supreme Shine

36-month waiting period for pre-existing diseases, subject to policy terms

VS

Ultimate (Direct)

Information Unavailable

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

Ultimate (Direct)

Information Unavailable

Annual Health Checkup

Supreme Shine

Annual health check-up available through the insurer's network on a cashless basis

VS

Ultimate (Direct)

Information Unavailable

Pre-Hospitalisation

Supreme Shine

Pre-hospitalisation expenses covered for up to 60 days before hospitalisation

VS

Ultimate (Direct)

Information Unavailable

Post-Hospitalisation

Supreme Shine

Post-hospitalisation expenses covered for up to 180 days after discharge

VS

Ultimate (Direct)

Information Unavailable

Outpatient Department Cover (OPD Expense)

Supreme Shine

Unlimited e-consultations included, with physical OPD available through optional rider

VS

Ultimate (Direct)

Information Unavailable

Deductible Option

Supreme Shine

Optional deductible benefit available, subject to the policy schedule and applicable terms

VS

Ultimate (Direct)

Information Unavailable

Coverage Options

Supreme Shine

Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices

VS

Ultimate (Direct)

Information Unavailable

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

Ultimate (Direct)

Information Unavailable

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Ultimate (Direct)

Information Unavailable

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?

End-to-End Support

End-to-End Support

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

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

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