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Insurance Plans Comparison

Care Supreme Shine vs Star Comprehensive

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
Star

Comprehensive

Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.

What Makes It Special:

An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.

Best For:

  • People under 61 who want to avoid co-payment

  • Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)

  • People who want OPD, dental and eye expenses included

  • Families wanting individual or floater cover up to ₹1 crore

  • Young couples planning a family (maternity and new-born cover)

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.

Star Comprehensive

  • Things to Consider: Premiums vary by city zone.

  • Things to Consider: Modern treatments and bariatric surgery have sublimits.

  • Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.

  • Things to Consider: 10% co-payment for people who join at age 61 or above.

  • Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).

  • Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.

  • Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).

  • Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.

  • Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.

  • Reasons to Consider: Private single AC room with no fixed room rent cap.

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
Comprehensive
Comprehensive

Health Insurance Plan

Brochure

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

Comprehensive

Information Unavailable

ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Comprehensive

Covered up to Sum Insured; no separate ICU cap.

Advanced Treatments

Supreme Shine

Information Unavailable

VS

Comprehensive

Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms.

Co-payment

Supreme Shine

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

VS

Comprehensive

This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above

Disease-wise sublimits

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Waiting Period

Supreme Shine

Information Unavailable

VS

Comprehensive

  1. Initial Waiting Period: A 30-day waiting period applies from the policy's inception, during which claims are not admissible, except for those arising from accidents. 
     
  2. Pre-existing Disease Waiting Period: For the Silver plan, pre-existing diseases are covered after 48 months of continuous coverage. For Gold and Platinum plans, this period is reduced to 24 months.
     
  3. Specific Disease/Procedure Waiting Period: For individuals above 45 years of age, certain listed illnesses and procedures are covered after a 24-month waiting period from the policy's inception.
Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Comprehensive

Access to over 14,000+  cashless healthcare providers for seamless treatment.

Restoration Benefit

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

Comprehensive

SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%.

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Comprehensive

covered by the policy.

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

Comprehensive

Not mentioned (no separate consumables cover in the policy documents).

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Comprehensive

AYUSH treatments are covered up to the sum insured.

Initial Waiting Period

Supreme Shine

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

VS

Comprehensive

30 days (accidents excepted)

Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

Comprehensive

24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover

PED Waiting Period

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

Comprehensive

  1. Covered up to treatment-wise sublimits that vary by Sum Insured, e.g. robotic surgery ₹2.5L (SI ₹5L) to ₹7.5L (SI ₹1 Cr); immunotherapy ₹2.5L to ₹10L; bronchial thermoplasty, prostate vaporisation and IONM up to Sum Insured. Part of Sum Insured.
Annual Health Checkup

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Pre-Hospitalisation

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Post-Hospitalisation

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Outpatient Department Cover (OPD Expense)

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Deductible Option

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Coverage Options

Supreme Shine

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

VS

Comprehensive

Information Unavailable

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

Comprehensive

Information Unavailable

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Comprehensive

Information Unavailable

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free 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

  • 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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