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Insurance Plans Comparison

Care Supreme (Direct) vs Niva Bupa Aspire Titanium+

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
Niva Bupa

Aspire Titanium+

Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.

What Makes It Special:

Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.

Best For:

  • Buyers who want optional OPD, consumables or international treatment benefits where available.

  • People planning ahead for eligible maternity-related expenses.

  • Families looking for comprehensive hospitalisation coverage.

  • Individuals who want premiums linked to their entry age until a claim is paid.

  • People seeking high carry-forward coverage over multiple policy years.

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.

Niva Bupa Aspire Titanium+

  • Review room eligibility, co-payment, deductible and optional add-ons before buying.

  • Compare the PED and specific-disease waiting periods applicable to your selected schedule.

  • Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.

  • Review the Lock the Clock+ conditions to understand when premiums may change.

  • Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.

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
Aspire Titanium+
Aspire Titanium+

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme (Direct)

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

VS

Aspire Titanium+

All room categories are covered

ICU Charges

Supreme (Direct)

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

VS

Aspire Titanium+

No restriction on ICU room rent

Co-payment

Supreme (Direct)

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

VS

Aspire Titanium+

Available as an option

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Aspire Titanium+

No

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Aspire Titanium+

10,000+ Healthcare Providers

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Aspire Titanium+

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Supreme (Direct)

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

VS

Aspire Titanium+

Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs)

Daycare Treatment

Supreme (Direct)

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

VS

Aspire Titanium+

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Aspire Titanium+

No. However, available as an add-on

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Aspire Titanium+

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Aspire Titanium+

30 days

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Aspire Titanium+

2 years

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Aspire Titanium+

3 years

Modern Treatment

Supreme (Direct)

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

VS

Aspire Titanium+

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Aspire Titanium+

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Aspire Titanium+

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Aspire Titanium+

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

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

VS

Aspire Titanium+

OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Aspire Titanium+

Available as an option

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Aspire Titanium+

Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 1cr

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Aspire Titanium+

92.02%

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Aspire Titanium+

Available

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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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.

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