Insurance Plans Comparison
Care Supreme Enhance vs Star Comprehensive
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme Enhance
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:
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.
VS
Comprehensive
Family health insurance with maternity, OPD, dental and eye cover, 100% restoration and up to 100% cumulative bonus.
What Makes It Special:
An all-in-one family health plan that combines hospitalisation cover with maternity and new-born cover, OPD consultations, dental and eye care, hospital cash, bariatric surgery and accidental death/disability cover in a single policy.
Best For:
People under 61 who want to avoid co-payment
Buyers looking for a fast-growing bonus (100% after one claim-free year for SI ₹7.5L+)
People who want OPD, dental and eye expenses included
Families wanting individual or floater cover up to ₹1 crore
Young couples planning a family (maternity and new-born cover)
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
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.
Things to Consider: Premiums vary by city zone.
Things to Consider: Modern treatments and bariatric surgery have sublimits.
Things to Consider: Maternity needs both spouses covered for 24 months, and delivery limits are modest at lower SI.
Things to Consider: 10% co-payment for people who join at age 61 or above.
Things to Consider: 36-month PED waiting period, unless you buy the optional PED buy-back (reduces it to 12 months).
Reasons to Consider: 60 days of pre- and 90 days of post-hospitalisation cover, plus air ambulance and home care.
Reasons to Consider: Cumulative bonus up to 100% of SI, plus 100% restoration once a year (usable for the same illness).
Reasons to Consider: OPD consultations and dental/eye treatment covered outside the Sum Insured.
Reasons to Consider: Delivery (up to 2) and new-born cover after 24 months.
Reasons to Consider: Private single AC room with no fixed room rent cap.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Enhance Health Insurance Plan VS VS |
![]() Comprehensive Health Insurance Plan |
| Room Rent |
|---|
Supreme Enhance Eligible room rent is covered up to the most economical single private room category, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| ICU Charges |
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Supreme Enhance No separate ICU expense limit; eligible charges are covered up to the sum insured after the applicable deductible. |
VS VS |
Comprehensive Covered up to Sum Insured; no separate ICU cap. |
| Advanced Treatments |
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Supreme Enhance Information Unavailable |
VS VS |
Comprehensive Coverage includes robotic surgeries, stem cell therapy, organ transplants, modern cancer treatments, bariatric surgery, and advanced cardiac procedures as per policy terms. |
| Co-payment |
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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. |
VS VS |
Comprehensive This policy is subject to co-payment of 10% of each and every claim amount for fresh as well as renewal policies for insured persons whose age at the time of entry is 61 years and above |
| Disease-wise sublimits |
|---|
Supreme Enhance No separate sublimits apply to eligible modern or conventional treatments under the stated plan benefits, subject to policy terms and exclusions. |
VS VS |
Comprehensive Information Unavailable |
| Waiting Period |
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Supreme Enhance Information Unavailable |
VS VS |
Comprehensive
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| Cashless Healthcare Providers |
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Supreme Enhance The insurer lists 22,100+ cashless healthcare providers on its product website. Network availability may change. |
VS VS |
Comprehensive Access to over 14,000+ cashless healthcare providers for seamless treatment. |
| Restoration Benefit |
|---|
Supreme Enhance Unlimited automatic recharge of the sum insured during a policy year for eligible related or unrelated illnesses, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Cumulative Bonus |
|---|
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. |
VS VS |
Comprehensive SI ₹5L: 50% of Basic SI per claim-free year, max 100%. SI ₹7.5L and above: 100% of Basic SI after one claim-free year, max 100%. |
| Daycare Treatment |
|---|
Supreme Enhance Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy terms. |
VS VS |
Comprehensive covered by the policy. |
| Consumable Cover |
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Supreme Enhance No separate standard consumables benefit. Non-medical expenses remain subject to applicable policy terms and exclusions. |
VS VS |
Comprehensive Not mentioned (no separate consumables cover in the policy documents). |
| AYUSH Treatment |
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Supreme Enhance Eligible inpatient AYUSH treatment is covered up to the sum insured, subject to applicable conditions. |
VS VS |
Comprehensive AYUSH treatments are covered up to the sum insured. |
| Initial Waiting Period |
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Supreme Enhance 30 days for illnesses; accidental claims are exempt from the initial waiting period. |
VS VS |
Comprehensive 30 days (accidents excepted) |
| Specific Waiting Period |
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Supreme Enhance 24 months for specified illnesses and procedures, subject to the applicable policy terms. |
VS VS |
Comprehensive 24 months for listed diseases/procedures; 36 months for Bariatric Surgery; 24 months for Delivery and New Born cover |
| PED Waiting Period |
|---|
Supreme Enhance 36 months for pre-existing diseases, subject to applicable policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Modern Treatment |
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Supreme Enhance Eligible advanced technology treatments are covered up to the sum insured, subject to policy terms. |
VS VS |
Comprehensive
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| Annual Health Checkup |
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Supreme Enhance No separate standard annual health check-up benefit is established, |
VS VS |
Comprehensive Information Unavailable |
| Pre-Hospitalisation |
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Supreme Enhance Eligible medical expenses are covered for up to 60 days before hospitalisation, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Post-Hospitalisation |
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Supreme Enhance Eligible medical expenses are covered for up to 90 days after hospitalisation, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Outpatient Department Cover (OPD Expense) |
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Supreme Enhance Routine OPD expenses are not a standard hospitalisation benefit. E-consultations and healthcare service discounts may be available separately. |
VS VS |
Comprehensive Information Unavailable |
| Deductible Option |
|---|
Supreme Enhance Offers an aggregate deductible selected with the sum insured. Eligible expenses above the deductible are covered, subject to policy terms. |
VS VS |
Comprehensive Information Unavailable |
| Coverage Options |
|---|
Supreme Enhance Individual and family floater options are available for eligible family members. |
VS VS |
Comprehensive Information Unavailable |
| Claim Settlement Ratio |
|---|
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. |
VS VS |
Comprehensive Information Unavailable |
| Maternity Cover |
|---|
Supreme Enhance Maternity and childbirth expenses are not covered as a standard benefit. Healthcare service discounts, where available, are not insurance coverage. |
VS VS |
Comprehensive Information Unavailable |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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