Insurance Plans Comparison
Care Supreme Shine vs Care Supreme Value for Money
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme 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
Supreme 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.
Insurance Plans Comparison
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Quick Decision Guide
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.
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Shine Health Insurance Plan VS VS |
Supreme Value for Money Health Insurance Plan |
| Room Rent |
|---|
Supreme Shine Single room covered up to the available Sum Insured |
VS VS |
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. |
| ICU Charges |
|---|
Supreme Shine Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
| Co-payment |
|---|
Supreme Shine 20% co-payment applies when the optional co-payment benefit is selected |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Supreme Shine Specific disease-wise sub-limits are not mentioned in the available plan details |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Supreme Shine Cashless treatment available through the insurer's network hospitals |
VS VS |
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. |
| Restoration Benefit |
|---|
Supreme Shine Unlimited automatic recharge restores the base Sum Insured during the policy year |
VS VS |
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. |
| Cumulative Bonus |
|---|
Supreme Shine Cumulative Bonus up to 100% of Sum Insured |
VS VS |
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. |
| Daycare Treatment |
|---|
Supreme Shine All eligible daycare procedures are covered under the plan |
VS VS |
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. |
| Consumable Cover |
|---|
Supreme Shine Consumables covered through optional Care Shield add-on |
VS VS |
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. |
| AYUSH Treatment |
|---|
Supreme Shine Eligible AYUSH treatment expenses covered up to the available Sum Insured |
VS VS |
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
| Initial Waiting Period |
|---|
Supreme Shine 30-day waiting period, except for accident-related claims |
VS VS |
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
| Specific Waiting Period |
|---|
Supreme Shine 24-month waiting period for specified ailments and procedures |
VS VS |
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
| PED Waiting Period |
|---|
Supreme Shine 36-month waiting period for pre-existing diseases, subject to policy terms |
VS VS |
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. |
| Modern Treatment |
|---|
Supreme Shine Covered up to Sum Insured |
VS VS |
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. |
| Annual Health Checkup |
|---|
Supreme Shine Annual health check-up available through the insurer's network on a cashless basis |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Supreme Shine Pre-hospitalisation expenses covered for up to 60 days before hospitalisation |
VS VS |
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
| Post-Hospitalisation |
|---|
Supreme Shine Post-hospitalisation expenses covered for up to 180 days after discharge |
VS VS |
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Shine Unlimited e-consultations included, with physical OPD available through optional rider |
VS VS |
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. |
| Deductible Option |
|---|
Supreme Shine Optional deductible benefit available, subject to the policy schedule and applicable terms |
VS VS |
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. |
| Coverage Options |
|---|
Supreme Shine Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Supreme Shine Claim Settlement Ratio is not mentioned in the available plan details |
VS VS |
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. |
| Maternity Cover |
|---|
Supreme Shine Maternity expenses are not listed as a base plan benefit |
VS VS |
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. |
Insurance Plans Comparison
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