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Insurance Plans Comparison

Care Supreme Enhance vs Star Health Gain

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

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Care

Supreme 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
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

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

  • 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.

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Enhance
Supreme Enhance

Health Insurance Plan

Brochure

Policy Wording

VS
Health Gain
Health Gain

Health Insurance Plan

Brochure

Room Rent

Supreme Enhance

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

VS

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
ICU Charges

Supreme Enhance

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

VS

Health Gain

Covered as part of eligible hospitalisation expenses.

Co-payment

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

Health Gain

20% for insured persons whose age at 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

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

Cashless Healthcare Providers

Supreme Enhance

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

VS

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

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

Health Gain

Not specified.

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

Health Gain

Not specified.

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

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

Supreme Enhance

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

VS

Health Gain

Not specified.

AYUSH Treatment

Supreme Enhance

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

VS

Health Gain

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered, subject to policy terms.

Initial Waiting Period

Supreme Enhance

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

VS

Health Gain

30 days, except for covered accident-related claims.

Specific Waiting Period

Supreme Enhance

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

VS

Health Gain

24 months for specified diseases and procedures.

PED Waiting Period

Supreme Enhance

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

VS

Health Gain

36 months for pre-existing diseases.

Modern Treatment

Supreme Enhance

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

VS

Health Gain

Specified modern treatments are covered, subject to policy limits.

Annual Health Checkup

Supreme Enhance

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

VS

Health Gain

Not specified.

Pre-Hospitalisation

Supreme Enhance

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

VS

Health Gain

Covered for up to 30 days before hospital admission.

Post-Hospitalisation

Supreme Enhance

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

VS

Health Gain

Covered for up to 60 days after discharge.

Outpatient Department Cover (OPD Expense)

Supreme Enhance

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

VS

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

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

Health Gain

Not specified.

Coverage Options

Supreme Enhance

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

VS

Health Gain

Individual and Family Floater.

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

Health Gain

Insurer-level metric, not a policy benefit.

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

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

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

Zero Spam. Zero Hassle

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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