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Insurance Plans Comparison

Care Supreme Shine vs Care Supreme Enhance

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

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Care

Supreme Shine

Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.

What Makes It Special:

Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.

Best For:

  • People who want unlimited e-consultations with general physicians

  • Customers wanting AYUSH and domiciliary treatment cover

  • People looking for wellness-linked renewal discounts

  • Customers wanting unlimited automatic recharge

  • Families looking for comprehensive health coverage

VS
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.

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 Supreme Shine

  • Check the waiting periods and optional benefits before buying the plan.

  • Wellness benefits can provide up to 30% renewal discount.

  • Unlimited e-consultations with general physicians are included.

  • The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.

  • Consider this plan if you want unlimited automatic recharge during the policy year.

Care Supreme Enhance

  • 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.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Shine
Supreme Shine

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme Enhance
Supreme Enhance

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

Supreme Enhance

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

ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Supreme Enhance

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

Co-payment

Supreme Shine

20% co-payment applies when the optional co-payment benefit is selected

VS

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.

Disease-wise sublimits

Supreme Shine

Specific disease-wise sub-limits are not mentioned in the available plan details

VS

Supreme Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Supreme Enhance

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

Restoration Benefit

Supreme Shine

Unlimited automatic recharge restores the base Sum Insured during the policy year

VS

Supreme Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

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.

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Supreme Enhance

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

Supreme Enhance

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

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Supreme Enhance

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

Initial Waiting Period

Supreme Shine

30-day waiting period, except for accident-related claims

VS

Supreme Enhance

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

Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

Supreme Enhance

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

PED Waiting Period

Supreme Shine

36-month waiting period for pre-existing diseases, subject to policy terms

VS

Supreme Enhance

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

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

Supreme Enhance

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

Annual Health Checkup

Supreme Shine

Annual health check-up available through the insurer's network on a cashless basis

VS

Supreme Enhance

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

Pre-Hospitalisation

Supreme Shine

Pre-hospitalisation expenses covered for up to 60 days before hospitalisation

VS

Supreme Enhance

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

Post-Hospitalisation

Supreme Shine

Post-hospitalisation expenses covered for up to 180 days after discharge

VS

Supreme Enhance

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

Outpatient Department Cover (OPD Expense)

Supreme Shine

Unlimited e-consultations included, with physical OPD available through optional rider

VS

Supreme Enhance

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

Deductible Option

Supreme Shine

Optional deductible benefit available, subject to the policy schedule and applicable terms

VS

Supreme Enhance

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

Coverage Options

Supreme Shine

Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices

VS

Supreme Enhance

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

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

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.

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Supreme Enhance

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

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?

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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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