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Insurance Plans Comparison

Star Medi Classic 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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Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Care Supreme (Direct)

Not available

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

VS
Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



VS

Supreme (Direct)

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

ICU Charges

Medi Classic

Covered as per the applicable policy terms and limits.

VS

Supreme (Direct)

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

Co-payment

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

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

Disease-wise sublimits

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



VS

Supreme (Direct)

No disease-wise sub-limits.

Cashless Healthcare Providers

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

5,000+ network hospitals across India.

Restoration Benefit

Medi Classic

Not specified in the retrieved source.

VS

Supreme (Direct)

Unlimited restoration benefit available.

Cumulative Bonus

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



VS

Supreme (Direct)

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

Daycare Treatment

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

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

Consumable Cover

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

Included as part of hospitalisation expenses.

AYUSH Treatment

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

Covered on cashless basis at network facilities.

Initial Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

30 days (except accidents).

Specific Waiting Period

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

2 years for specified ailments.

PED Waiting Period

Medi Classic





VS

Supreme (Direct)

3 years for pre-existing diseases.

Modern Treatment

Medi Classic

Covered, subject to applicable limits and policy terms.



VS

Supreme (Direct)

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

Annual Health Checkup

Medi Classic

Preventive health check-up is covered as per policy terms.



VS

Supreme (Direct)

Available on cashless basis.

Pre-Hospitalisation

Medi Classic

Covered for 30 days.



VS

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

Post-Hospitalisation

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



VS

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

Outpatient Department Cover (OPD Expense)

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



VS

Supreme (Direct)

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

Deductible Option

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

Optional feature available.

Coverage Options

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



VS

Supreme (Direct)

Multiple SI options available (varies by plan).

Claim Settlement Ratio

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

80%

Maternity Cover

Medi Classic

Not specified in the retrieved source.



VS

Supreme (Direct)

Availability to be confirmed from policy document.

Insurance Plans Comparison

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What Our Experts Help You With

Personalised Recommendations

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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

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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)

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