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Insurance Plans Comparison

Care Ultimate (Direct) vs Care Supreme (Direct)

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

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Care

What Makes It Special:

Ultimate (Direct) is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Care

Supreme (Direct)

Care Supreme (Direct)

What Makes It Special:

Supreme (Direct) focuses on providing essential health coverage at an affordable premium. It's designed for budget-conscious individuals who want reliable coverage.

Best For:

  • Not available

Insurance Plans Comparison

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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 Ultimate (Direct)

Not available

Care Supreme (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Ultimate (Direct)
Ultimate (Direct)

Health Insurance Plan

Brochure

VS
Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Ultimate (Direct)

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.

No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

VS

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

Advanced Treatments

Ultimate (Direct)

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.

Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

VS

Supreme (Direct)

Information Unavailable

ICU Charges

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

Co-payment

Ultimate (Direct)

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.

No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

VS

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

Disease-wise sublimits

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

No disease-wise sub-limits.

Waiting Period

Ultimate (Direct)

The duration after policy issuance during which certain illnesses or conditions are not covered.

Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

VS

Supreme (Direct)

Information Unavailable

Cashless Healthcare Providers

Ultimate (Direct)

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.

 

Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

VS

Supreme (Direct)

5,000+ network hospitals across India.

Restoration Benefit

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Unlimited restoration benefit available.

Daycare Treatment

Ultimate (Direct)

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.

 

Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

VS

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

Cumulative Bonus

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

Consumable Cover

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Included as part of hospitalisation expenses.

AYUSH Treatment

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Covered on cashless basis at network facilities.

Initial Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

30 days (except accidents).

Specific Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

2 years for specified ailments.

PED Waiting Period

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

3 years for pre-existing diseases.

Modern Treatment

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

Annual Health Checkup

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Available on cashless basis.

Pre-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

Post-Hospitalisation

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

Outpatient Department Cover (OPD Expense)

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Not available in base plan, present as an add on.

Deductible Option

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Optional feature available.

Coverage Options

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Multiple SI options available (varies by plan).

Claim Settlement Ratio

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

80%

Maternity Cover

Ultimate (Direct)

Information Unavailable

VS

Supreme (Direct)

Availability to be confirmed from policy document.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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Free Expert Consultation

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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

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

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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