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Insurance Plans Comparison

Care Supreme (Direct) vs Liberty Health Connect Elite

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
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

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
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme (Direct)

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

VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

Supreme (Direct)

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

VS

Health Connect Elite

Covered as per selected plan

Co-payment

Supreme (Direct)

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

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Health Connect Elite

Applicable as per selected plan

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Health Connect Elite

6,100+ network hospitals available

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Health Connect Elite

Reload available from first claim

Cumulative Bonus

Supreme (Direct)

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

VS

Health Connect Elite

Up to 150% of Sum Insured

Daycare Treatment

Supreme (Direct)

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

VS

Health Connect Elite

405 daycare procedures covered

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Health Connect Elite

Not specified in the brochure

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Supreme (Direct)

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

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

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

VS

Health Connect Elite

Not covered under the policy

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Health Connect Elite

Not covered except ectopic pregnancy

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?

End-to-End Support

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From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

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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