Insurance Plans Comparison
Care Supreme Enhance One vs Care Super Mediclaim
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreWhat Makes It Special:
Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.
Best For:
Family-friendly coverage with wellness benefits
Extra add-ons for enhanced protection
Cashless treatment at a wide hospital network
Complete hospitalization & daycare coverage
High sum insured with affordable premiums
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
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
You want flexible add-ons for enhanced family protection
You want wellness benefits and rewards built into your plan
You want daycare, pre- and post-hospitalization expenses covered
You want cashless hospitalization across a wide network
You want high medical coverage at affordable premiums
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 Enhance One Health Insurance Plan VS VS |
Super Mediclaim Health Insurance Plan |
| Room Rent |
|---|
Supreme Enhance One
|
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 Enhance One No restriction on ICU room rent |
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. |
| Advanced Treatments |
|---|
Supreme Enhance One
|
VS VS |
Super Mediclaim Information Unavailable |
| Disease-wise sublimits |
|---|
Supreme Enhance One No |
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. |
| Co-payment |
|---|
Supreme Enhance One No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment. |
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. |
| Waiting Period |
|---|
Supreme Enhance One . |
VS VS |
Super Mediclaim Information Unavailable |
| Restoration Benefit |
|---|
Supreme Enhance One Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
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. |
| Cashless Healthcare Providers |
|---|
Supreme Enhance One Access to 24,800+ network hospitals for cashless treatment. |
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. |
| Cumulative Bonus |
|---|
Supreme Enhance One Your sum insured increases by 10% every year, maximum up to 100% |
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 Enhance One . |
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 Enhance One Yes |
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 Enhance One . |
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 Enhance One 30 days |
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 Enhance One 2 years |
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 Enhance One 3 years |
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 Enhance One Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
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 Enhance One Health check-up is available once every policy year, from day 1 of the policy |
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 Enhance One You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
VS VS |
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
| Post-Hospitalisation |
|---|
Supreme Enhance One You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it |
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 Enhance One OPD expense is not included |
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 Enhance One Available |
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 Enhance One Available coverage options: 20L to 1cr |
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 Enhance One 96% |
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 Enhance One Not available |
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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