Insurance Plans Comparison
Care Supreme Value for Money vs Care Freedom
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme Value for Money
Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.
What Makes It Special:
Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...
Best For:
Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.
Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.
Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.
Customers who value unlimited automatic recharge for eligible repeat hospitalisations.
Individuals and families looking for health insurance with essential hospitalisation benefits.
VS
Freedom
Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period
What Makes It Special:
Care Freedom provides health insurance coverage without pre-policy medical check-ups for individuals managing Diabetes, High Blood Pressure, or high BMI.
Best For:
Buyers wanting consumable daily allowance
Families looking for annual health check-ups.
Individuals seeking health insurance without undergoing pre-policy medical screening.
Customer is looking for a short two year PED waiting period
Buyers managing diabetes, hypertension, or elevated BMI.
Insurance Plans Comparison
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Quick Decision Guide
Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.
Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.
Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.
Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.
Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.
Co-payment provisions applied based on age
In-built, one time, automatic sum insured recharge
Includes annual health checkups for all covered adult member.
Requires no pre-policy medical checkup across all ages and sum insured choices.
Features are reduced 24 months waiting period for pre-existing diseases.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Value for Money Health Insurance Plan VS VS |
Freedom Health Insurance Plan |
| Room Rent |
|---|
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation. |
VS VS |
Freedom For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered. |
| ICU Charges |
|---|
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
VS VS |
Freedom ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options. |
| Co-payment |
|---|
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim. |
VS VS |
Freedom 20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms. |
| Disease-wise sublimits |
|---|
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions. |
VS VS |
Freedom Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures. |
| Cashless Healthcare Providers |
|---|
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals. |
VS VS |
Freedom 11,600+ cashless network hospitals are available across India. |
| Restoration Benefit |
|---|
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms. |
VS VS |
Freedom Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims. |
| Cumulative Bonus |
|---|
Supreme Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims. |
VS VS |
Freedom No cumulative bonus is available. |
| Daycare Treatment |
|---|
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions. |
VS VS |
Freedom Covers all eligible Day Care Procedures up to the sum insured. |
| Consumable Cover |
|---|
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant. |
VS VS |
Freedom Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days. |
| AYUSH Treatment |
|---|
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
VS VS |
Freedom Covers AYUSH treatment expenses up to the sum insured during the policy period. |
| Initial Waiting Period |
|---|
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
VS VS |
Freedom 30 days for all illnesses, except accidental injuries. |
| Specific Waiting Period |
|---|
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
VS VS |
Freedom 2 years for specified named ailments. |
| PED Waiting Period |
|---|
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected. |
VS VS |
Freedom 2 years for pre-existing diseases. |
| Modern Treatment |
|---|
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions. |
VS VS |
Freedom Coverage for treatment using specified advanced technology methods is not available under the plan. |
| Annual Health Checkup |
|---|
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant. |
VS VS |
Freedom Annual health checkup is available for all adult members insured under the policy. |
| Pre-Hospitalisation |
|---|
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
VS VS |
Freedom Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option. |
| Post-Hospitalisation |
|---|
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
VS VS |
Freedom |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available. |
VS VS |
Freedom OPD expense is not included in the base plan. |
| Deductible Option |
|---|
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims. |
VS VS |
Freedom Not available as a standard deductible option. |
| Coverage Options |
|---|
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product. |
VS VS |
Freedom Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L. |
| Claim Settlement Ratio |
|---|
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved. |
VS VS |
Freedom 96.3% for the period April 2025 to December 2025. |
| Maternity Cover |
|---|
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage. |
VS VS |
Freedom Not available. |
Insurance Plans Comparison
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