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Insurance Plans Comparison

Care Supreme Enhance One vs Niva Bupa Health Companion Variant 2

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

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Care

Supreme Enhance One

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

What Makes It Special:

Care Supreme Enhance is a super top-up health insurance plan designed to provide additional financial protection against high medical expenses after the selected aggregate deductible is met. It offers flexible sum insured options, coverage for eligible hospitalisation and daycare treatments, a cumulative bonus of up to 100%, and unlimited automatic...

Best For:

  • Family-friendly coverage with wellness benefits

  • Extra add-ons for enhanced protection

  • Cashless treatment at a wide hospital network

  • Complete hospitalization & daycare coverage

  • High sum insured with affordable premiums

VS
Niva Bupa

Health Companion Variant 2

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹5,000 with an annual health check-up.

What Makes It Special:

Health Companion Variant 2 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit, no-claim bonus and 2- or 3-year term discounts. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who plan to pay for two or three years to get term discounts

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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 Enhance One

  • You want flexible add-ons for enhanced family protection

  • You want wellness benefits and rewards built into your plan

  • You want daycare, pre- and post-hospitalization expenses covered

  • You want cashless hospitalization across a wide network

  • You want high medical coverage at affordable premiums

Niva Bupa Health Companion Variant 2

  • The refill applies only once a policy year.

  • The 20% co-payment for higher room categories applies on Variant 2023.

  • Maternity is not covered, so plan separately if needed.

  • Term discounts do not apply if premium is paid monthly, half-yearly or quarterly.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance One
Supreme Enhance One

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 2
Health Companion Variant 2

Health Insurance Plan

Brochure

Room Rent

Supreme Enhance One

  1. Normal:  No limit on room rent.
  2. ICU: No limit on ICU charges.
VS

Health Companion Variant 2

  1. Normal Room: No limit (any single private room covered)
  2. ICU Charges: Fully covered (as per actual hospitalization expenses)
ICU Charges

Supreme Enhance One

No restriction on ICU room rent

VS

Health Companion Variant 2

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Supreme Enhance One

  1. Robotic surgery
  2. Stem cell therapy
  3. Deep brain stimulation
  4. Immunotherapy
  5. Monoclonal antibody injections
  6. Oral chemotherapy
  7. Intra-vitreal injections
  8. Balloon Sinuplasty.
VS

Health Companion Variant 2

  1. Robotic Surgery Therapy
  2. Bariatric Surgery 
  3. Oral Chemotherapy 
  4. Proton Beam Therapy 
  5. Deep Brain Stimulation 
  6. Implantable Devices 
Disease-wise sublimits

Supreme Enhance One

No

VS

Health Companion Variant 2

No disease sublimit schedule in the prospectus

Co-payment

Supreme Enhance One

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

VS

Health Companion Variant 2

No mandatory co-payment for most policyholders. However, for individuals aged 65 years and above at the time of entry, a co-payment of 20% applies to each claim.

Waiting Period

Supreme Enhance One

.

VS

Health Companion Variant 2

Information Unavailable

Restoration Benefit

Supreme Enhance One

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

VS

Health Companion Variant 2

Information Unavailable

Cashless Healthcare Providers

Supreme Enhance One

Access to 24,800+ network hospitals for cashless treatment.

VS

Health Companion Variant 2

10,000+ network hospitals.

Cumulative Bonus

Supreme Enhance One

Your sum insured increases by 10% every year, maximum up to 100%

VS

Health Companion Variant 2

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Supreme Enhance One

.

VS

Health Companion Variant 2

Covered under the policy. 

Consumable Cover

Supreme Enhance One

Yes

VS

Health Companion Variant 2

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Supreme Enhance One

.

VS

Health Companion Variant 2

Covered under this policy

Initial Waiting Period

Supreme Enhance One

30 days

VS

Health Companion Variant 2

30 days, except accidents

Specific Waiting Period

Supreme Enhance One

2 years

VS

Health Companion Variant 2

24 months for listed conditions

PED Waiting Period

Supreme Enhance One

3 years

VS

Health Companion Variant 2

36 months

Modern Treatment

Supreme Enhance One

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

VS

Health Companion Variant 2

Covered up to the sum insured

Annual Health Checkup

Supreme Enhance One

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

VS

Health Companion Variant 2

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Supreme Enhance One

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

VS

Health Companion Variant 2

60 days before admission

Post-Hospitalisation

Supreme Enhance One

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

VS

Health Companion Variant 2

180 days after discharge

Outpatient Department Cover (OPD Expense)

Supreme Enhance One

OPD expense is not included

VS

Health Companion Variant 2

Not covered

Deductible Option

Supreme Enhance One

Available

VS

Health Companion Variant 2

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Supreme Enhance One

Available coverage options: 20L to 1cr

VS

Health Companion Variant 2

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Supreme Enhance One

96%

VS

Health Companion Variant 2

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Supreme Enhance One

Not available

VS

Health Companion Variant 2

Not covered

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

End-to-End Support

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

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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

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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)

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

1-5 of 10 FAQs

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