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Insurance Plans Comparison

Care Supreme Enhance vs Care Plus Youth

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

Plus Youth

Care Plus Youth is a health insurance plan for young adults, offering hospitalisation cover, unlimited automatic recharge, OPD benefits and protection against rising medical costs.

What Makes It Special:

Care Plus Youth is designed for young adults, with individual and family floater options. Its benefits include hospitalisation, OPD consultations and dental and eye treatments, No Claim Bonus Protect, Inflation Shield and unlimited automatic recharge, subject to policy terms.

Best For:

  • Couples or families considering optional maternity and newborn cover.

  • Individuals looking for automatic recharge and a no-claim bonus.

  • Customers who value OPD consultations and dental and eye treatment benefits.

  • People who want hospitalisation and eligible daycare treatment cover.

  • Young adults looking to buy individual health insurance early.

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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

  • 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.

  • If you need maternity cover, verify eligibility, the 24-month waiting period and the applicable benefit limit.

  • Check the OPD limits and whether the optional Smart Select benefit suits your preferred hospitals.

  • Review room-rent and ICU limits based on your chosen sum insured.

  • Check the 30-day initial waiting period, 24-month named-ailment waiting period and 36-month PED waiting period.

  • Choose a sum insured that suits your healthcare needs and budget.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance
Supreme Enhance

Health Insurance Plan

VS
Plus Youth
Plus Youth

Health Insurance Plan

Room Rent

Supreme Enhance

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

VS

Plus Youth

For sum insured below ₹5 lakh, room rent is limited to 1% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure lists a single private AC room.

ICU Charges

Supreme Enhance

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

VS

Plus Youth

For sum insured below ₹5 lakh, ICU charges are limited to 2% of the sum insured per day. For sum insured of ₹5 lakh or above, the brochure states no ICU charge limit.

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

Plus Youth

The Smart Select optional benefit offers a 15% discount on the base benefit premium and eligible maternity/newborn premium. If treatment is taken at a non-Smart Select network hospital, a 20% co-payment per claim applies under this option.

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

Plus Youth

Room-rent, ICU and benefit-specific limits apply. OPD, ambulance and optional maternity/newborn cover have defined monetary limits. Review the policy schedule for other applicable restrictions.

Cashless Healthcare Providers

Supreme Enhance

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

VS

Plus Youth

Cashless treatment is available through eligible network hospitals, subject to network status, pre-authorisation and policy conditions. Confirm the current hospital count before publishing a number.

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

Plus Youth

Unlimited Automatic Recharge is included as a listed base benefit. It can replenish the sum insured for eligible claims, subject to the policy’s recharge conditions.

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

Plus Youth

No Claim Bonus Protect increases the sum insured by 50% per claim-free policy year, up to 200% of the sum insured. If the total claim amount in a policy year is below 25% of the applicable sum insured, the accrued bonus is not reduced in the subsequent year. If the claim amount reaches or exceeds 25%, the accrued bonus may reduce according to the policy terms.

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

Plus Youth

All eligible daycare procedures are covered up to the sum insured, subject to the policy’s definitions and exclusions.

Consumable Cover

Supreme Enhance

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

VS

Plus Youth

A separate comprehensive consumables benefit is not specified in the uploaded brochure.

AYUSH Treatment

Supreme Enhance

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

VS

Plus Youth

Eligible AYUSH treatment is covered up to the sum insured, subject to the policy wording.


Initial Waiting Period

Supreme Enhance

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

VS

Plus Youth

30 days from policy commencement for illnesses, except claims arising from accidents, as specified in the brochure.


Specific Waiting Period

Supreme Enhance

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

VS

Plus Youth

24 months for named ailments and procedures, subject to the policy wording and applicable exclusions.

PED Waiting Period

Supreme Enhance

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

VS

Plus Youth

36 months for pre-existing diseases, subject to disclosure, acceptance and policy terms.

Modern Treatment

Supreme Enhance

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

VS

Plus Youth

Covers eligible advanced technology treatments up to the sum insured, subject to policy terms, exclusions and applicable treatment definitions.

Annual Health Checkup

Supreme Enhance

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

VS

Plus Youth

Available for adult insured members, subject to the applicable policy terms.

Pre-Hospitalisation

Supreme Enhance

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

VS

Plus Youth

Eligible medical expenses are covered for up to 60 days before an admissible hospitalisation, up to the sum insured.

Post-Hospitalisation

Supreme Enhance

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

VS

Plus Youth

Eligible medical expenses are covered for up to 90 days after discharge from an admissible hospitalisation, up to the sum insured.

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

Plus Youth

Outpatient consultations and outpatient dental and ophthalmic treatments are covered within specified limits. For sum insured of ₹5 lakh–₹7 lakh, the brochure lists up to ₹1,500; for ₹10 lakh–₹25 lakh, up to ₹2,500. Consultation limits are ₹350 per consultation.

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

Plus Youth

No deductible option is listed in the uploaded brochure’s optional-benefit section.

Coverage Options

Supreme Enhance

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

VS

Plus Youth

Available as individual or family floater cover, with annual sum insured options listed from ₹3 lakh to ₹25 lakh. The brochure lists several family combinations.

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

Plus Youth

This is an insurer-level metric, not a product-specific ratio. Use Care Health Insurance’s verified latest financial-year claim settlement figure if required; the uploaded brochure does not provide one.

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

Plus Youth

Optional maternity and newborn cover: ₹15,000 for sum insured up to ₹5 lakh and ₹25,000 for sum insured above ₹5 lakh. Available only under specified family-floater combinations, with a 24-month waiting period and eligibility conditions.


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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

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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

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