Care Insurance Supreme vs Care Insurance Heart

All room categories are covered

Up to ₹3 L sum insured – 1% of Sum Insured per day

Not available

In-built co-payment: 20% if entry age ≤ 70 years, 30% if entry age > 70 years.

21700+ Healthcare Providers

21700+ Healthcare Providers

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

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

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

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

No 

Yes

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)

Provides 1 restoration of the base cover upon exhaustion, applicable for unrelated illnesses only

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)

Your sum insured increases by 10% each policy year as a No-Claim Bonus, up to 50% of the sum insured. The bonus reduces by 10% for every claim paid

No. However, available as an add-on

No. However, available as an add-on

2 years

2 years

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

Health check-up is available from the first policy year

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

You get cover for medical tests and doctor visits up to 30 days before hospitalisation, if your main claim is approved

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

You get cover for medical bills up to 60 days after discharge, including physiotherapy if your doctor prescribes it

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

OPD expense is not included

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

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L

87.10%

87.10%

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

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

Not available

Not available

No restriction on ICU room rent

Up to ₹3 L sum insured – 2% of Sum Insured per day

30 days

30 days

3 years

2 years

Not available

Not available