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Insurance Plans Comparison

Care Supreme Enhance vs Care Classic

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

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Care

Supreme Enhance

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

What Makes It Special:

Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...

Best For:

  • Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.

  • Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.

  • Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.

  • Families looking to supplement their current health insurance with a higher overall coverage limit.

  • Individuals seeking additional medical expense protection beyond an existing health insurance policy.

VS
Care

Classic

Comprehensive Family Health Insurance with Unlimited Recharge and Extensive Hospitalisation Coverage

What Makes It Special:

Care Classic is a family-focused health insurance plan offering comprehensive hospitalisation coverage, unlimited automatic recharge, 60-day pre-hospitalisation and 180-day post-hospitalisation coverage, AYUSH benefits, annual health check-ups, and a cumulative bonus of up to 150% of the Base Sum Insured, subject to policy terms.

Best For:

  • Customers looking for long-term coverage benefits – The plan offers a cumulative bonus that can increase up to 150% of the Base Sum Insured, subject to policy terms.

  • Those preferring higher room eligibility – Suitable for eligible Sum Insured options offering a Single Private A/C Room.

  • Customers seeking extensive hospitalisation coverage – Includes pre- and post-hospitalisation, daycare, AYUSH and other eligible medical expenses.

  • Families seeking comprehensive health coverage – Suitable for families wanting a single floater policy with broad hospitalisation benefits.

  • People wanting unlimited recharge – Useful for those who want the Sum Insured to be replenished multiple times during a policy year, subject to terms.

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 Enhance

  • Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.

  • Check room eligibility, exclusions and whether optional benefits are worth the additional premium.

  • Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.

  • Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.

  • Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.

Care Classic

  • Review the applicable room-rent, treatment sub-limits and waiting periods before purchasing, particularly the 36-month PED waiting period.

  • Check the plan carefully if maternity coverage is a priority, as maternity expenses are not covered.

  • Consider it if you want AYUSH treatment and annual health check-up benefits.

  • Choose it if 60-day pre- and 180-day post-hospitalisation coverage is important to you.

  • Choose Care Classic if you want family floater coverage with unlimited automatic recharge.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance
Supreme Enhance

Health Insurance Plan

Brochure

Policy Wording

VS
Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Enhance

Eligible room rent is covered up to the most economical single private room category, subject to policy terms.

VS

Classic

Single Private A/C Room for SI ≥ ₹5 lakh.

ICU Charges

Supreme Enhance

No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible.

VS

Classic

No limit for SI ≥ ₹5 lakh.

Co-payment

Supreme Enhance

No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions.

VS

Classic

Optional

Disease-wise sublimits

Supreme Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

VS

Classic

Standard sublimits apply

Cashless Healthcare Providers

Supreme Enhance

The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change.

VS

Classic

10000+ network hospitals.

Restoration Benefit

Supreme Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

VS

Classic

Standard No-Claim Bonus.

Cumulative Bonus

Supreme Enhance

Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims.

VS

Classic

25% of Base SI for each claim-free year, up to a maximum of 150% of Base SI.

Daycare Treatment

Supreme Enhance

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

VS

Classic

All Day Care Procedures are covered, subject to policy terms.

Consumable Cover

Supreme Enhance

No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions.

VS

Classic

Not Available

AYUSH Treatment

Supreme Enhance

Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions.

VS

Classic

Covered

Initial Waiting Period

Supreme Enhance

30 days for illnesses; accidental claims are exempt from the initial waiting period.

VS

Classic

30 days

Specific Waiting Period

Supreme Enhance

24 months for specified illnesses and procedures, subject to the applicable policy terms.

VS

Classic

24 months

PED Waiting Period

Supreme Enhance

36 months for pre-existing diseases, subject to applicable policy terms.

VS

Classic

36 months

Modern Treatment

Supreme Enhance

Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms.

VS

Classic

Covered up to the Sum Insured, subject to applicable policy terms/sub-limits for specified advanced technology methods. Care specifically says advanced technology treatment is subject to the applicable sub-limit.

Annual Health Checkup

Supreme Enhance

No separate standard annual health check-up benefit is established,

VS

Classic

Available as add-on

Pre-Hospitalisation

Supreme Enhance

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

VS

Classic

60 days

Post-Hospitalisation

Supreme Enhance

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

VS

Classic

180 days post-discharge

Outpatient Department Cover (OPD Expense)

Supreme Enhance

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

VS

Classic

Optional Add-on

Deductible Option

Supreme Enhance

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

VS

Classic

Available

Coverage Options

Supreme Enhance

Individual and family floater options are available for eligible family members.

VS

Classic

Individual or Family Floater

Claim Settlement Ratio

Supreme Enhance

Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio.

VS

Classic

95.45%

Maternity Cover

Supreme Enhance

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

VS

Classic

Maternity/childbirth is excluded. The current Care Classic page specifically excludes expenses attributable to childbirth, including complicated deliveries and Caesarean sections, except ectopic pregnancy.

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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