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Insurance Plans Comparison

Digit Arogya Sanjeevani vs Care Supreme Enhance

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

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Digit

Arogya Sanjeevani

Cover hospitalisation with a 5% co-pay on every admissible claim, cap room rent at 2% of the sum insured up to ₹5,000 a day, and add a 5% cumulative bonus each claim-free year up to 50%.

What Makes It Special:

Arogya Sanjeevani is a Niva Bupa standard health plan with a sum insured of ₹1 lakh to ₹5 lakh, AYUSH and modern treatment cover, and a 15-day free-look period. It excludes maternity and carries a 5% co-payment on each claim. It provides in-patient hospitalisation cover on an individual or family...

Best For:

  • Buyers who want AYUSH and modern treatment cover

  • Buyers who do not need maternity or OPD cover

  • Families who want a floater with parents and children under one policy

  • Buyers who want basic in-patient cover at an affordable premium

  • First-time health insurance buyers

VS
Care

Supreme Enhance

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

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:

  • Buyers seeking higher coverage with a cumulative bonus that can increase the sum insured over time.

  • Policyholders looking for unlimited automatic recharge for eligible hospitalisation claims.

  • Customers comfortable bearing a chosen aggregate deductible before the super top-up benefit applies.

  • Families looking to supplement their current health insurance with a higher overall coverage limit.

  • Individuals seeking additional medical expense protection beyond an existing health insurance policy.

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

  • Call 1860-500-8888 to confirm room rent limits and the current network before buying.

  • Confirm the waiting periods and any cataract sublimit on your policy schedule before buying.

  • The sum insured is capped at ₹5 lakh, so check whether it covers your expected treatment costs.

  • A 5% co-payment applies to each claim, so factor that into your out-of-pocket costs.

  • Maternity is excluded, so choose another plan if you need it.

  • Understand how the aggregate deductible applies across eligible claims during the policy year before purchasing the plan.

  • Check room eligibility, exclusions and whether optional benefits are worth the additional premium.

  • Review the 30-day initial waiting period, 24-month specified illness waiting period and 36-month PED waiting period.

  • Compare the available sum insured options against potential hospitalisation costs and your existing policy limits.

  • Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.Choose a deductible that aligns with your existing health cover and your ability to pay out-of-pocket expenses.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Arogya Sanjeevani
Arogya Sanjeevani

Health Insurance Plan

VS
Supreme Enhance
Supreme Enhance

Health Insurance Plan

Room Rent

Arogya Sanjeevani

  1. Normal:  Covered up to 2% of the sum insured, with a maximum limit of ₹5,000 per day.

     

  2. ICU: Covered up to 5% of the sum insured, with a maximum limit of ₹10,000 per day​.
VS

Supreme Enhance

Eligible room rent is covered up to the most economical single private room category, subject to policy terms.

Advanced Treatments

Arogya Sanjeevani

  1. Uterine Artery Embolization and HIFU (High intensity focused ultrasound) 
  2. Balloon Sinuplasty
  3. Deep Brain stimulation 
  4. Oral chemotherapy 
  5. Immunotherapy - Monoclonal Antibody to be given as injection 
  6. Intra vitreal injections 
  7. Robotic surgeries 
  8. Stereotactic radio surgeries 
  9. Bronchical Thermoplasty
  10. Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  11. IONM - (Intra Operative Neuro Monitoring) 
  12. Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to 50% of sum insured.
VS

Supreme Enhance

Information Unavailable

ICU Charges

Arogya Sanjeevani

Covered as part of in-patient hospitalisation, up to the sum insured. Confirm any room or ICU limit on the policy schedule, or with 1860-500-8888.

VS

Supreme Enhance

No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible.

Co-payment

Arogya Sanjeevani

5% co-payment is applicable to all claims, meaning the policyholder must bear 5% of the admissible claim amount​.

VS

Supreme Enhance

No standard co-payment percentage is established for this variant in the supplied plan terms. The selected policy schedule governs applicable cost-sharing conditions.

Disease-wise sublimits

Arogya Sanjeevani

A cataract sublimit may apply. The standard product in other insurers’ versions caps cataract at 25% of the sum insured or ₹40,000, whichever is lower. Confirm Niva Bupa’s sublimits on the policy schedule, or with 1860-500-8888.

VS

Supreme Enhance

No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions.

Cashless Healthcare Providers

Arogya Sanjeevani

Access to over 16,400 cashless network hospitals across India. 

VS

Supreme Enhance

The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change.

Restoration Benefit

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Supreme Enhance

Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms.

Daycare Treatment

Arogya Sanjeevani

Covers medical procedures requiring hospitalization for less than 24 hours, such as cataract surgery, chemotherapy, and dialysis, when conducted in a recognized hospital​.

VS

Supreme Enhance

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms.

Cumulative Bonus

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Supreme Enhance

Increases the sum insured by 10% annually, up to 100% of the base sum insured. The accrued bonus is not reduced due to claims.

AYUSH Treatment

Arogya Sanjeevani

Covers Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH) inpatient treatments up to the sum insured, provided the treatment is taken at an AYUSH-recognized hospital​.

VS

Supreme Enhance

Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions.

Consumable Cover

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Supreme Enhance

No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions.

Initial Waiting Period

Arogya Sanjeevani

30 days from inception, except for accidents

VS

Supreme Enhance

30 days for illnesses; accidental claims are exempt from the initial waiting period.

Specific Waiting Period

Arogya Sanjeevani

Kindly refer to the policy wording.

VS

Supreme Enhance

24 months for specified illnesses and procedures, subject to the applicable policy terms.

PED Waiting Period

Arogya Sanjeevani

Up to 48 months under the IRDAI standard. Confirm on the policy schedule, or with 1860-500-8888.

VS

Supreme Enhance

36 months for pre-existing diseases, subject to applicable policy terms.

Modern Treatment

Arogya Sanjeevani

Covered up to 50% of the sum insured, including robotic surgery and oral chemotherapy (BankBazaar). Confirm the limit on the policy schedule.

VS

Supreme Enhance

Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms.

Annual Health Checkup

Arogya Sanjeevani

Kindly refer to the policy wording. Confirm with Niva Bupa on 1860-500-8888.

VS

Supreme Enhance

No separate standard annual health check-up benefit is established,

Pre-Hospitalisation

Arogya Sanjeevani

Up to 30 days before admission under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Supreme Enhance

Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Arogya Sanjeevani

Up to 60 days after discharge under the IRDAI standard product. Confirm on the policy schedule, or with 1860-500-8888.

VS

Supreme Enhance

Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Arogya Sanjeevani

Not covered (not listed in the standard product’s benefits)

VS

Supreme Enhance

Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately.

Deductible Option

Arogya Sanjeevani

kindly refer to the policy wording.

VS

Supreme Enhance

Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms.

Coverage Options

Arogya Sanjeevani

Individual or family floater, within the ₹1 lakh to ₹5 lakh sum insured range

VS

Supreme Enhance

Individual and family floater options are available for eligible family members.

Claim Settlement Ratio

Arogya Sanjeevani

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).

VS

Supreme Enhance

Care Health Insurance reported a 96.74% insurer-level claim settlement ratio for FY 2024–25. This is an insurer-level metric, not a product-specific ratio.

Maternity Cover

Arogya Sanjeevani

Not covered. Maternity expenses are excluded.

VS

Supreme Enhance

Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage.

Insurance Plans Comparison

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  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

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