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Insurance Plans Comparison

Care Supreme Enhance One vs Care Plus

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

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Care

What Makes It Special:

Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.

Best For:

  • Family-friendly coverage with wellness benefits

  • Extra add-ons for enhanced protection

  • Cashless treatment at a wide hospital network

  • Complete hospitalization & daycare coverage

  • High sum insured with affordable premiums

VS
Care

Plus

Comprehensive Health Cover with Unlimited Recharge and Wellness Benefits

What Makes It Special:

Care Plus is a comprehensive health insurance plan from Care Health Insurance that combines hospitalisation cover with unlimited automatic recharge, inflation-linked sum insured increases, and a No Claim Bonus Protect benefit. It also offers annual health check-ups, OPD benefits and optional maternity and newborn cover. The available room category, co-payment...

Best For:

  • Eligible families considering optional maternity and newborn cover.

  • Customers interested in OPD and wellness-related benefits.

  • People seeking additional protection against rising medical costs.

  • Customers who value unlimited automatic recharge for repeated claims.

  • Individuals and families looking for comprehensive hospitalisation cover.

Insurance Plans Comparison

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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 One

  • You want flexible add-ons for enhanced family protection

  • You want wellness benefits and rewards built into your plan

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless hospitalization across a wide network

  • You want high medical coverage at affordable premiums

Care Plus

  • Check optional maternity cover, OPD limits, deductible choices and Smart Select co-payment conditions.

  • Compare the No Claim Bonus Protect and unlimited recharge conditions.

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

  • Check room eligibility carefully, particularly for sum insured below ₹5 lakh.

  • Choose a sum insured that reflects your family's potential hospitalisation expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance One
Supreme Enhance One

Health Insurance Plan

Brochure

Policy Wording

VS
Plus
Plus

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Enhance One

  1. Normal:  No limit on room rent.
  2. ICU: No limit on ICU charges.
VS

Plus

  1. Normal: eligible to opt for a single A/C room or any low category room.

     

  2. ICU: No limit, the plan will cover the entire costs without restrictions
ICU Charges

Supreme Enhance One

No restriction on ICU room rent

VS

Plus

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day under the referenced brochure. For sum insured of ₹5 lakh or more, ICU charges have no separate monetary limit, subject to policy terms.

Advanced Treatments

Supreme Enhance One

  1. Robotic surgery
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Immunotherapy
  5. Monoclonal antibody injections
  6. Oral chemotherapy
  7. Intra-vitreal injections
  8. Balloon Sinuplasty.
VS

Plus

  1. Provides coverage for advanced treatments like;
  2. Deep brain stimulation
  3. Oral chemotherapy
  4. Uterine artery embolization
  5. HIFU
  6. Robotic surgeries And many more.
Disease-wise sublimits

Supreme Enhance One

No

VS

Plus

Information Unavailable

Co-payment

Supreme Enhance One

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

VS

Plus

Mandatory copayment limit of 20% for individuals above the age of 61.

Waiting Period

Supreme Enhance One

.

VS

Plus

Information Unavailable

Restoration Benefit

Supreme Enhance One

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

VS

Plus

Unlimited automatic recharge of the sum insured is a key advertised benefit. The brochure states that it can be used for the same insured person and the same illness. Actual utilisation remains subject to the applicable recharge rules and policy conditions.

Cashless Healthcare Providers

Supreme Enhance One

Access to 24,800+ network hospitals for cashless treatment.

VS

Plus

24800 + network hospitals

Cumulative Bonus

Supreme Enhance One

Your sum insured increases by 10% every year, maximum up to 100%

VS

Plus

The No Claim Bonus Protect benefit increases the sum insured by 50% for each claim-free policy year, up to 200% of the base sum insured. The accrued bonus can reduce after a claim, subject to the policy's claim thresholds and bonus rules.

Daycare Treatment

Supreme Enhance One

.

VS

Plus

3 - 7 lacs sum insured for up to 24 hour hospitalization. 

Consumable Cover

Supreme Enhance One

Yes

VS

Plus

Standard hospitalisation coverage should not be interpreted as coverage for every non-medical consumable. Consumables are covered only where included under the applicable policy terms or an eligible add-on.

AYUSH Treatment

Supreme Enhance One

.

VS

Plus

3 - 7 lacs sum insured for any non allopathic treatment covered by AYUSH.

Initial Waiting Period

Supreme Enhance One

30 days

VS

Plus

30 days for illnesses from policy commencement. This waiting period does not apply to eligible accident-related treatment, subject to the policy terms.

Specific Waiting Period

Supreme Enhance One

2 years

VS

Plus

24 months for specified illnesses and procedures listed in the policy. The applicable exclusions and conditions continue to apply.

PED Waiting Period

Supreme Enhance One

3 years

VS

Plus

36 months for pre-existing diseases under the referenced policy version, subject to accurate disclosure, underwriting and applicable policy terms.

Modern Treatment

Supreme Enhance One

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

VS

Plus

Covers eligible advanced technology treatment methods listed under the policy, subject to medical necessity, admissibility conditions and the applicable sum insured.

Annual Health Checkup

Supreme Enhance One

Health check-up is available once every policy year, from day 1 of the policy

VS

Plus

Available once in each policy year for each eligible insured member, subject to the insurer's prescribed arrangements and conditions.

Pre-Hospitalisation

Supreme Enhance One

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

VS

Plus

Covers eligible medical expenses for up to 60 days before hospitalisation, subject to the related hospitalisation claim being admissible.

Post-Hospitalisation

Supreme Enhance One

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Plus



Outpatient Department Cover (OPD Expense)

Supreme Enhance One

OPD expense is not included

VS

Plus

OPD consultation and specified dental and ophthalmic treatment benefits are available within prescribed limits. The referenced brochure lists limits of ₹1,500 for sum insured of ₹5–7 lakh and ₹2,500 for sum insured of ₹10–25 lakh, with a maximum of ₹350 per consultation. Check the applicable variant terms for eligibility.

Deductible Option

Supreme Enhance One

Available

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Coverage Options

Supreme Enhance One

Available coverage options: 20L to 1cr

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

Claim Settlement Ratio

Supreme Enhance One

96%

VS

Plus

Care Health Insurance's insurer-level claim settlement ratio is reported as 96.74% for FY 2024–25 in a secondary source referencing IRDAI data. This is an insurer-level metric, not a guarantee of approval for an individual Care Plus claim.

Maternity Cover

Supreme Enhance One

Not available

VS

Plus

Deductible options are available as optional choices, including ₹1 lakh, ₹2 lakh, ₹3 lakh and ₹5 lakh under the referenced prospectus. Availability and applicable terms depend on the selected policy option.

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Why Choose Our Expert Consultation?

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Talk to experienced advisors at no cost, and make confident decisions

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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

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  • Tailored for seniors healthcare needs

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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.

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