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Insurance Plans Comparison

Care Supreme Senior Health AdvantEdge vs Niva Bupa GoActive

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

GoActive

Cover doctor visits and hospital stays together, refill the base sum insured, and get 90 days of pre-hospitalisation cover plus 180 days after discharge.

What Makes It Special:

GoActive combines in-patient cover with OPD consultations, a personal health coach and an annual health check-up. It has a refill benefit, an optional sum insured escalator, and a renewal discount for buyers who start young.

Best For:

  • Buyers who do not need maternity cover

  • Buyers who want the sum insured to grow over time through I-Protect

  • Buyers who want a health coach and an annual check-up

  • Families who visit doctors often and want OPD reimbursement

  • Younger, active buyers who want the 10% early-age discount and a renewal discount for healthy habits

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 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 GoActive

  • Zone 2 adds a 20% co-payment in four cities, so choose Zone 1 unless you know you will not be treated there.

  • The 1% room rent cap applies to the lower sum insured options, so pick ₹5 lakh or above if you want room choice.

  • The 36-month PED waiting period is long, so buy early if anyone has an existing condition.

  • Maternity is excluded, so choose another plan if you plan to start a family.

  • Check the OPD limit for your sum insured and number of adults, since the limit is shared across the family.

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
GoActive
GoActive

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Senior Health AdvantEdge

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

VS

GoActive

Normal:

For Sum Insured below ₹5 Lakhs: 1% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: No room rent restriction (except Suite Room and above)

ICU:

For Sum Insured below ₹5 Lakhs: 2% of Base Sum Insured per day

For Sum Insured ₹5 Lakhs and above: Covered up to Sum Insured

ICU Charges

Supreme Senior Health AdvantEdge

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

VS

GoActive

Up to 2% of base sum insured per day for the ₹1 lakh to ₹4 lakh options. Covered up to the sum insured for ₹5 lakh and above. Confirm the split on the policy schedule.

Advanced Treatments

Supreme Senior Health AdvantEdge

Information Unavailable

VS

GoActive

Covered up to Sum Insured

Co-payment

Supreme Senior Health AdvantEdge

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

VS

GoActive

No mandatory age-based co-payment mentioned

Disease-wise sublimits

Supreme Senior Health AdvantEdge

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

VS

GoActive

No general disease sublimit in the prospectus. Robotic surgery has a ₹1 lakh sub-limit, and OPD, diagnostics and some optional covers have their own limits.

Cashless Healthcare Providers

Supreme Senior Health AdvantEdge

11000+ NETWORK HOSPITALS.

VS

GoActive

4,200+ Network Hospitals

Restoration Benefit

Supreme Senior Health AdvantEdge

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

VS

GoActive

Refill benefit: up to 100% of base sum insured in a policy year, for a different illness from one already claimed. It is available on a floater basis and does not carry forward. Maximum liability per claim after refill is the base sum insured plus any I-Protect amount.

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

GoActive

Not offered. The optional I-Protect adds 10% of base sum insured every renewal year.

Daycare Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

GoActive

Covered up to Sum Insured

Consumable Cover

Supreme Senior Health AdvantEdge

Not specified as a standard benefit in the supplied document.

VS

GoActive

Medicines, drugs, consumables, IV fluids, blood, injection charges and OT charges are covered within in-patient care. Items in Annexure A (for example baby food, belts, gloves, diapers and Vasofix) are not payable.

AYUSH Treatment

Supreme Senior Health AdvantEdge

Covered up to the sum insured.

VS

GoActive

Covered up to Sum Insured

Initial Waiting Period

Supreme Senior Health AdvantEdge

30 days, except accident-related hospitalisation.

VS

GoActive

30 days from policy start. Waived after 12 months of continuous coverage. Accidents are covered from day 1.

Specific Waiting Period

Supreme Senior Health AdvantEdge

24 months for named ailments.

VS

GoActive

24 months for listed conditions and procedures. Cancer is covered after 30 days.

PED Waiting Period

Supreme Senior Health AdvantEdge

48 months

VS

GoActive

36 months

Modern Treatment

Supreme Senior Health AdvantEdge

Eligible advanced technology treatments covered up to the sum insured.

VS

GoActive

Covered up to the sum insured, covering uterine artery embolisation, HIFU, deep brain stimulation, oral chemotherapy, immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, and other listed treatments. Robotic surgeries have a ₹1 lakh sub-limit, except robotic prostatectomy for cancer, robotic cardiac surgery, robotic partial nephrectomy, and robotic surgery for malignancies.

Annual Health Checkup

Supreme Senior Health AdvantEdge

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

VS

GoActive

Covered for insured persons aged 18 and over, booked through the Niva Bupa app or website. Not available on the ₹1 lakh and ₹2 lakh options. Unused check-ups do not carry forward.

Pre-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 60 days.

VS

GoActive

Up to 90 days before admission, within the sum insured

Post-Hospitalisation

Supreme Senior Health AdvantEdge

Covered for 180 days.

VS

GoActive

Up to 180 days after discharge, within the sum insured

Outpatient Department Cover (OPD Expense)

Supreme Senior Health AdvantEdge

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

VS

GoActive

Covered. Number of consultations per policy year depends on the sum insured and the number of adults. Reimbursement is up to ₹600 per consultation in Zone 1 and ₹500 in Zone 2. The limit is shared by all members.

Deductible Option

Supreme Senior Health AdvantEdge

Not specified in the supplied document.

VS

GoActive

Optional annual aggregate deductible of ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹5 lakh or ₹10 lakh. It does not apply to health check-ups, second opinions, OPD, behavioural assistance or personal accident.

Coverage Options

Supreme Senior Health AdvantEdge

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

VS

GoActive

Information Unavailable

Claim Settlement Ratio

Supreme Senior Health AdvantEdge

99.95% FY 2024-25

VS

GoActive

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

GoActive

Not offered. Maternity and related childbirth expenses are excluded.

Insurance Plans Comparison

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Insurance Plans Comparison

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  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

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