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Insurance Plans Comparison

Care Supreme Super Saver 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 Super Saver

Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.

What Makes It Special:

Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...

Best For:

  • Individuals looking for optional OPD consultations and wellness benefits.

  • Customers interested in optional coverage for listed non-payable hospital expenses.

  • People who want to build additional coverage through cumulative bonus benefits.

  • Customers looking for unlimited automatic recharge for eligible medical claims.

  • Individuals and families seeking comprehensive hospitalisation coverage.

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 renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.

  • Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.

  • Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.

  • Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.

  • Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size and budget.

  • 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 Super Saver
Supreme Super Saver

Health Insurance Plan

VS
Super Mediclaim
Super Mediclaim

Health Insurance Plan

Room Rent

Supreme Super Saver

Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable 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 Super Saver

ICU expenses are covered up to the sum insured, subject to the applicable policy terms.


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.

Disease-wise sublimits

Supreme Super Saver

No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions.

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 Super Saver

Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment.

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.

Cashless Healthcare Providers

Supreme Super Saver

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

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 Super Saver

Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, 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 Super Saver

Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%.

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 Super Saver

All eligible daycare procedures 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 Super Saver

The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium.

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 Super Saver

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

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 Super Saver

30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims.

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 Super Saver

24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions.

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 Super Saver

36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy.

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 Super Saver

Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, 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 Super Saver

One health check-up per insured person per policy year, subject to the policy terms.

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 Super Saver

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

VS

Super Mediclaim

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

Post-Hospitalisation

Supreme Super Saver

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

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 Super Saver

Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments.

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 Super Saver

A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible.

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 Super Saver

Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility.

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 Super Saver

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

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 Super Saver

Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage.

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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