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Insurance Plans Comparison

Care Supreme Senior Premium vs Care Ultimate

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

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Care

Supreme Senior Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Premium is designed for senior citizens aged 61 years and above, including customers managing multiple health conditions such as diabetes, hypertension or high BMI, subject to underwriting and eligibility requirements. It offers hospitalisation coverage up to the selected sum insured, unlimited automatic recharge for subsequent claims, cumulative...

Best For:

  • Buyers who value cumulative bonus growth and the possibility of renewal premium discounts through the wellness benefit.

  • Families seeking senior-focused coverage with individual or family floater options, subject to eligible relationships and member limits.

  • Customers looking for additional coverage through unlimited automatic recharge for multiple hospitalisation claims.

  • Older adults managing multiple co-morbidities, such as diabetes or hypertension, subject to underwriting and eligibility.

  • Senior citizens aged 61 years and above seeking health insurance with no upper adult entry-age limit.

VS
Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation coverage.

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 Premium

  • Check the availability, cost and terms of optional benefits, including air ambulance, wellness, annual health check-ups and relevant add-ons. Renewal discounts depend on meeting the prescribed Healthy Days criteria.

  • Senior Premium has no specified treatment sub-limits in the plan comparison, unlike Senior Super. Confirm the final policy terms and any other applicable limits or exclusions.

  • The standard room category is the most economical single private AC room. Check whether the optional Room Rent Modification benefit is selected and what room eligibility it provides.

  • Pre-existing medical condition: The stated PED waiting period is 48 months. Disclose medical history accurately and confirm underwriting acceptance, exclusions and any applicable terms.

  • Co-payment on claims:tThe standard configuration has a 20% co-payment on all claims. Review the applicable option and its effect on out-of-pocket expenses before purchasing.

Care Ultimate

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Premium
Supreme Senior Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate
Ultimate

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Premium

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

VS

Ultimate

All room categories are covered

ICU Charges

Supreme Senior Premium

No limit specified for ICU charges.

VS

Ultimate

No restriction on ICU room rent

Co-payment

Supreme Senior Premium

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

VS

Ultimate

Not available

Disease-wise sublimits

Supreme Senior Premium

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

VS

Ultimate

No 

Restoration Benefit

Supreme Senior Premium

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

VS

Ultimate

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cashless Healthcare Providers

Supreme Senior Premium

11000+ network hospitals

VS

Ultimate

21700+ Healthcare Providers

Daycare Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Ultimate

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Cumulative Bonus

Supreme Senior Premium

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

VS

Ultimate

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.

AYUSH Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Ultimate

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Supreme Senior Premium

Not specified.

VS

Ultimate

No. However, available as an add-on

Initial Waiting Period

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

VS

Ultimate

30 days

Specific Waiting Period

Supreme Senior Premium

24 months for named ailments.

VS

Ultimate

2 years
 

PED Waiting Period

Supreme Senior Premium

48 months.

VS

Ultimate

3 years
 

Modern Treatment

Supreme Senior Premium

Covered up to the sum insured, subject to policy terms.

VS

Ultimate

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Supreme Senior Premium

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

VS

Ultimate

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Supreme Senior Premium

60 days.

VS

Ultimate

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Supreme Senior Premium

180 days.

VS

Ultimate

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Supreme Senior Premium

Available through optional Care OPD add-on, subject to limits and co-payments.

VS

Ultimate

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Supreme Senior Premium

Not specified.

VS

Ultimate

Not available

Coverage Options

Supreme Senior Premium

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

VS

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

Supreme Senior Premium

99.98% FY 2024-25

VS

Ultimate

96%

Maternity Cover

Supreme Senior Premium

Not available.

VS

Ultimate

Not available

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

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