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Insurance Plans Comparison

Care Supreme Shine vs Star Diabetes Safe Plan A

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

Diabetes Safe Plan A

Health Insurance Designed for People with Type I or Type II Diabetes

What Makes It Special:

Diabetes-Focused Health Insurance

Best For:

  • Eligible couples considering individual or floater coverage.

  • Customers who want outpatient benefits at network hospitals and diagnostic centres.

  • Individuals looking for hospitalisation cover for other illnesses and accidental injuries.

  • Customers seeking cover for eligible diabetes complications.

  • Individuals aged 18 to 65 years with Type I or Type II Diabetes Mellitus.

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 Diabetes Safe Plan A

  • Understand the restoration benefit and its individual-policy restriction.

  • Review the room category and pre- and post-hospitalisation limits.

  • Check cataract and modern treatment sublimits.

  • Review the Sum Insured and outpatient benefit limits.

  • Check the waiting period for diabetes complications under Plan B.

  • Understand the medical screening requirement under Plan A.

  • Compare Plan A and Plan B.

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
Diabetes Safe Plan A
Diabetes Safe Plan A

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

Diabetes Safe Plan A

  1. Single standard air-conditioned room, subject to policy terms and applicable limits.
ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Diabetes Safe Plan A

Covered as part of eligible hospitalisation expenses, subject to policy terms.

Co-payment

Supreme Shine

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

VS

Diabetes Safe Plan A

Not specified.

Disease-wise sublimits

Supreme Shine

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

VS

Diabetes Safe Plan A

Sublimits apply to specified treatments, including cataract and certain modern treatments. Plan B also has limits for specified cardiovascular complications.

Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Diabetes Safe Plan A

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

Restoration Benefit

Supreme Shine

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

VS

Diabetes Safe Plan A

100% of the basic Sum Insured is restored once during the policy period for eligible Section 2 claims on individual policies. This benefit is not available on floater policies.

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

Diabetes Safe Plan A

Not specified.

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Diabetes Safe Plan A

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

Diabetes Safe Plan A

Not specified.

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Diabetes Safe Plan A

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms. Yoga and Naturopathy require prior approval.

Initial Waiting Period

Supreme Shine

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

VS

Diabetes Safe Plan A

  1. 30 days for applicable illnesses, except covered accidents. The waiting period applies according to the selected plan and policy section.
Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

Diabetes Safe Plan A

24 months for specified diseases and procedures under applicable sections. A 12-month waiting period applies to specified diabetes complications under Plan B.

PED Waiting Period

Supreme Shine

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

VS

Diabetes Safe Plan A

36 months for pre-existing diseases under applicable sections.

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

Diabetes Safe Plan A

  1. Specified modern treatments are covered, subject to treatment-specific limits.
Annual Health Checkup

Supreme Shine

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

VS

Diabetes Safe Plan A

Not specified.

Pre-Hospitalisation

Supreme Shine

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

VS

Diabetes Safe Plan A

Up to 30 days before hospital admission.

Post-Hospitalisation

Supreme Shine

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

VS

Diabetes Safe Plan A

Up to 60 days after discharge, limited to 7% of eligible hospitalisation expenses and a maximum of ₹5,000 per hospitalisation.

Outpatient Department Cover (OPD Expense)

Supreme Shine

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

VS

Diabetes Safe Plan A

Covered at network hospitals and diagnostic centres. Limits vary by plan, Sum Insured and individual or floater basis.

Deductible Option

Supreme Shine

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

VS

Diabetes Safe Plan A

Not specified.

Coverage Options

Supreme Shine

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

VS

Diabetes Safe Plan A

Individual and Family Floater for self and spouse.

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

Diabetes Safe Plan A

Insurer-level metric, not a policy benefit.

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Diabetes Safe Plan A

Not covered, except ectopic pregnancy as specified in the policy.

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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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

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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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