Insurance Plans Comparison
Care Supreme Shine vs Care Super Mediclaim
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
Super Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
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.
Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Shine Health Insurance Plan VS VS |
Super Mediclaim Health Insurance Plan |
| Room Rent |
|---|
Supreme Shine Single room covered up to the available Sum Insured |
VS VS |
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
| ICU Charges |
|---|
Supreme Shine Covered up to Sum Insured |
VS VS |
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
| Co-payment |
|---|
Supreme Shine 20% co-payment applies when the optional co-payment benefit is selected |
VS VS |
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
| Disease-wise sublimits |
|---|
Supreme Shine Specific disease-wise sub-limits are not mentioned in the available plan details |
VS VS |
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
| Cashless Healthcare Providers |
|---|
Supreme Shine Cashless treatment available through the insurer's network hospitals |
VS VS |
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
| Restoration Benefit |
|---|
Supreme Shine Unlimited automatic recharge restores the base Sum Insured during the policy year |
VS VS |
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
| Cumulative Bonus |
|---|
Supreme Shine Cumulative Bonus up to 100% of Sum Insured |
VS VS |
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
| Daycare Treatment |
|---|
Supreme Shine All eligible daycare procedures are covered under the plan |
VS VS |
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
| Consumable Cover |
|---|
Supreme Shine Consumables covered through optional Care Shield add-on |
VS VS |
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
| AYUSH Treatment |
|---|
Supreme Shine Eligible AYUSH treatment expenses covered up to the available Sum Insured |
VS VS |
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
| Initial Waiting Period |
|---|
Supreme Shine 30-day waiting period, except for accident-related claims |
VS VS |
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
| Specific Waiting Period |
|---|
Supreme Shine 24-month waiting period for specified ailments and procedures |
VS VS |
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
| PED Waiting Period |
|---|
Supreme Shine 36-month waiting period for pre-existing diseases, subject to policy terms |
VS VS |
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
| Modern Treatment |
|---|
Supreme Shine Covered up to Sum Insured |
VS VS |
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
| Annual Health Checkup |
|---|
Supreme Shine Annual health check-up available through the insurer's network on a cashless basis |
VS VS |
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
| Pre-Hospitalisation |
|---|
Supreme Shine Pre-hospitalisation expenses covered for up to 60 days before hospitalisation |
VS VS |
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
| Post-Hospitalisation |
|---|
Supreme Shine Post-hospitalisation expenses covered for up to 180 days after discharge |
VS VS |
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Shine Unlimited e-consultations included, with physical OPD available through optional rider |
VS VS |
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
| Deductible Option |
|---|
Supreme Shine Optional deductible benefit available, subject to the policy schedule and applicable terms |
VS VS |
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
| Coverage Options |
|---|
Supreme Shine Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices |
VS VS |
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
| Claim Settlement Ratio |
|---|
Supreme Shine Claim Settlement Ratio is not mentioned in the available plan details |
VS VS |
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
| Maternity Cover |
|---|
Supreme Shine Maternity expenses are not listed as a base plan benefit |
VS VS |
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
Insurance Plans Comparison
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