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Insurance Plans Comparison

Care Supreme Senior Health AdvantEdge vs Niva Bupa Health Companion Family First Plan

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

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Care

Supreme Senior Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

What Makes It Special:

Care Supreme Senior is designed for senior citizens aged 61 years and above, with no upper age limit for adult entry. It offers hospitalisation coverage, day-care treatment, AYUSH treatment, domiciliary hospitalisation, organ donor expenses and unlimited automatic recharge. The product is available through two options—Care Supreme Senior Super and Care...

Best For:

  • Eligible customers who may benefit from optional wellness, health-checkup or OPD-related benefits.

  • Families looking for individual or family floater cover for eligible members.

  • Customers seeking additional coverage through unlimited automatic recharge for subsequent eligible claims.

  • Older adults who want cover for eligible hospitalisation and day-care procedures.

  • Senior citizens looking for health insurance with entry available from age 61.

VS
Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

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

  • Families who want a floater with a refill benefit

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

Care Supreme Senior Health AdvantEdge

  • Review optional benefits carefully: Confirm the availability, cost and terms of benefits such as wellness, Care OPD, annual health checkups and room-rent modification.

  • Review waiting periods: The initial waiting period is 30 days, the named-ailment waiting period is 24 months, and the PED waiting period is 48 months.

  • Check room eligibility: The stated room category is the most economical single private AC room unless an applicable room-rent modification benefit changes it.

  • Account for co-payment: The stated 20% co-payment means the insured pays a share of eligible claim expenses.

  • Compare the two plan options: Senior Super has sub-limits for specified treatments, whereas Senior Premium lists these sub-limits as not applicable.

Niva Bupa Health Companion Family First Plan

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

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

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Health AdvantEdge
Supreme Senior Health AdvantEdge

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Health AdvantEdge

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

VS

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
ICU Charges

Supreme Senior Health AdvantEdge

No limit specified in the plan benefit, subject to policy terms.

VS

Health Companion Family First Plan

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

Advanced Treatments

Supreme Senior Health AdvantEdge

Information Unavailable

VS

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
Co-payment

Supreme Senior Health AdvantEdge

20% co-payment applies to all claims under the described plan options.

VS

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits

Supreme Senior Health AdvantEdge

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

VS

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

VS

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Supreme Senior Health AdvantEdge

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

VS

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

Cumulative Bonus

Supreme Senior Health AdvantEdge

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

VS

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

Daycare Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Health Companion Family First Plan

Covers medical procedures that require less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

VS

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

AYUSH Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

Health Companion Family First Plan

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

VS

Health Companion Family First Plan

30 days, except accidents

Specific Waiting Period

Supreme Senior Health AdvantEdge

24 months for named ailments.

VS

Health Companion Family First Plan

24 months for listed conditions

PED Waiting Period

Supreme Senior Health AdvantEdge

48 months

VS

Health Companion Family First Plan

36 months.

Modern Treatment

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

VS

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup

Supreme Senior Health AdvantEdge

Available as an optional benefit; once a year for all insured members.

VS

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 60 days.

VS

Health Companion Family First Plan

60 days before admission, up to the sum insured

Post-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 180 days.

VS

Health Companion Family First Plan

180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Supreme Senior Health AdvantEdge

Optional Care OPD benefit; limits and consultation co-payments apply.

VS

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

Deductible Option

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options

Supreme Senior Health AdvantEdge

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

VS

Health Companion Family First Plan

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

Claim Settlement Ratio

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

VS

Health Companion Family First Plan

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 Senior Health AdvantEdge

Not specified in the supplied document.

VS

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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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

Most Popular

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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