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Insurance Plans Comparison

Care Supreme Enhance vs Care Super Mediclaim

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

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Care

Supreme Enhance

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

What Makes It Special:

Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...

Best For:

  • Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.

  • Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.

  • Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.

  • Families looking to supplement their current health insurance with a higher overall coverage limit.

  • Individuals seeking additional medical expense protection beyond an existing health insurance policy.

VS
Care

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

  • Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.

  • Check room eligibility, exclusions and whether optional benefits are worth the additional premium.

  • Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.

  • Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.

  • Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.

  • 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
Supreme Enhance

Health Insurance Plan

VS
Super Mediclaim
Super Mediclaim

Health Insurance Plan

Room Rent

Supreme Enhance

Eligible room rent is covered up to the most economical single private room category, subject to policy terms.

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

No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible.

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 Enhance

No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions.

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 Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

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 Enhance

The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change.

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 Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

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 Enhance

Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims.

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

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

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

No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions.

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

Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions.

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

30 days for illnesses; accidental claims are exempt from the initial waiting period.

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

24 months for specified illnesses and procedures, subject to the applicable policy terms.

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

36 months for pre-existing diseases, subject to applicable policy terms.

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

Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms.

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

No separate standard annual health check-up benefit is established,

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

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

VS

Super Mediclaim

Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms.

Post-Hospitalisation

Supreme Enhance

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

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

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

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

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

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

Individual and family floater options are available for eligible family members.

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

Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio.

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

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

VS

Super Mediclaim

Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview.

Insurance Plans Comparison

Still Confused? Get Expert Advice

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Why Choose Our 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

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  • 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

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