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Insurance Plans Comparison

Care Supreme (Direct) vs ICICI Lombard Elevate (Direct)

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

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Care

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

VS
ICICI Lombard

Elevate (Direct)

Get comprehensive health insurance with customisable benefits, flexible sum insured options and a 5% online purchase discount with Elevate Direct.

What Makes It Special:

ICICI Lombard Elevate Direct is the online-purchase variant of the Elevate health insurance plan. It offers the same underlying coverage and customisation options as standard Elevate, including hospitalisation benefits, pre- and post-hospitalisation expenses, restoration features and a range of optional benefits. Customers can customise their protection through available add-ons for...

Best For:

  • Value-conscious customers: People who want the same core Elevate plan benefits while saving through the online purchase discount.

  • Additional benefit seekers: Buyers interested in optional benefits such as worldwide cover, maternity, chronic care or Claim Protector.

  • Higher coverage requirements: Customers considering a range of sum insured options, including high-cover options subject to eligibility.

  • Customisable health protection: Buyers who want to select coverage and add-ons based on their needs.

  • Online insurance buyers: Customers who prefer purchasing and managing their policy digitally and want the 5% online discount.

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

Care Supreme (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

ICICI Lombard Elevate (Direct)

  • Purchase online to save: Elevate Direct offers a 5% online purchase discount, while the underlying coverage remains the same as standard Elevate.

  • Compare add-ons: Consider whether options such as Claim Protector, Worldwide Cover, Maternity Benefit or Infinite Care meet your needs and budget.

  • Check zone-based conditions: Review any applicable zone-based co-payment and room eligibility conditions before purchasing.

  • Review waiting periods: Check the 30-day initial waiting period, 24-month specified-disease waiting period and 36-month pre-existing disease waiting period.

  • Choose the right sum insured: Compare the available cover options against your family size, existing insurance and expected healthcare expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Elevate (Direct)
Elevate (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme (Direct)

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

VS

Elevate (Direct)

Room eligibility depends on selected plan; Room Modifier add-on for eligible SI amounts.

ICU Charges

Supreme (Direct)

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

VS

Elevate (Direct)

Covered as per applicable policy terms and eligible room category.

Co-payment

Supreme (Direct)

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

VS

Elevate (Direct)

Voluntary co-payment available as optional cover.

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Elevate (Direct)

Not Available.

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Elevate (Direct)

Network hospitals plus Cashless Everywhere option for any hospital in India.

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Elevate (Direct)

Reset Benefit restores SI for future claims; unlimited resets per year.

Cumulative Bonus

Supreme (Direct)

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

VS

Elevate (Direct)

Loyalty Bonus: guaranteed 20% annual SI increase, up to 100% maximum.

Daycare Treatment

Supreme (Direct)

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

VS

Elevate (Direct)

Eligible day-care procedures covered under base plan.

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Elevate (Direct)

Covered under Claim Protector add-on for specified items (gloves, syringes, masks)

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Elevate (Direct)

In-patient AYUSH hospitalisation covered up to applicable SI

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Elevate (Direct)

30 days from policy start for specified illnesses.

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Elevate (Direct)

24 months for specified diseases.

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Elevate (Direct)

36 months for pre-existing diseases.

Modern Treatment

Supreme (Direct)

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

VS

Elevate (Direct)

Covers modern treatments as specified per policy with applicable per-treatment conditions.

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Elevate (Direct)

Optional cover with cashless package worth up to 0.5% of SI (max ₹5,000).

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Elevate (Direct)

Up to 90 days before hospitalisation for eligible expenses.

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Elevate (Direct)

Up to 180 days after hospitalisation for eligible expenses.

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

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

VS

Elevate (Direct)

Available via optional BeFit benefit for cashless OPD, pharmacy, physiotherapy, diagnostics.

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Elevate (Direct)

Voluntary deductible available as optional cover.

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Elevate (Direct)

Flexible SI options including unlimited sum insured option.

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Elevate (Direct)

Not publicly specified on official product page.

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Elevate (Direct)

Optional add-on for normal/C-section deliveries: up to 10% SI (max ₹1L) after 24 months WP.

Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

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Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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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