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Insurance Plans Comparison

Care Classic vs Care Supreme

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

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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.

VS
Care

Supreme

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

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 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.

Care Supreme

  • You want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Classic
Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Classic

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

VS

Supreme

All room categories are covered

ICU Charges

Classic

No limit for SI ≥ ₹5 lakh.

VS

Supreme

No restriction on ICU room rent

Co-payment

Classic

Optional

VS

Supreme

Not available

Disease-wise sublimits

Classic

Standard sublimits apply

VS

Supreme

No 

Cashless Healthcare Providers

Classic

10000+ network hospitals.

VS

Supreme

21700+ Healthcare Providers

Restoration Benefit

Classic

Standard No-Claim Bonus.

VS

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Cumulative Bonus

Classic

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

VS

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

Daycare Treatment

Classic

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

VS

Supreme

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Consumable Cover

Classic

Not Available

VS

Supreme

No. However, available as an add-on

AYUSH Treatment

Classic

Covered

VS

Supreme

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Classic

30 days

VS

Supreme

30 days

Specific Waiting Period

Classic

24 months

VS

Supreme

2 years

PED Waiting Period

Classic

36 months

VS

Supreme

3 years

Modern Treatment

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.

VS

Supreme

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Classic

Available as add-on

VS

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Classic

60 days

VS

Supreme

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Classic

180 days post-discharge

VS

Supreme

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Classic

Optional Add-on

VS

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Classic

Available

VS

Supreme

Not available

Coverage Options

Classic

Individual or Family Floater

VS

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Classic

95.45%

VS

Supreme

96%

Maternity Cover

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.

VS

Supreme

Not available

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

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

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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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