Insurance Plans Comparison
Care Supreme Super Saver vs HDFC ERGO Critical Illness Platinum Plan
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme Super Saver
Care Supreme Super Saver offers health insurance coverage with unlimited automatic recharge, cumulative bonus options, modern treatment coverage and wellness benefits, subject to the selected benefits and policy terms.
What Makes It Special:
Care Supreme Super Saver offers health insurance coverage for individuals and families, with benefits including hospitalisation, daycare procedures, modern treatments, AYUSH treatment, domiciliary hospitalisation and unlimited automatic recharge. Customers can also choose eligible optional benefits for enhanced cumulative bonuses, non-payable hospital expense coverage, OPD consultations and modifications to the pre-existing...
Best For:
Individuals looking for optional OPD consultations and wellness benefits.
Customers interested in optional coverage for listed non-payable hospital expenses.
People who want to build additional coverage through cumulative bonus benefits.
Customers looking for unlimited automatic recharge for eligible medical claims.
Individuals and families seeking comprehensive hospitalisation coverage.
VS
Critical Illness Platinum Plan
Lump-sum payout on first diagnosis of any of 15 critical illnesses
What Makes It Special:
The Platinum Plan pays the sum insured as a single lump sum on first diagnosis of any one of 15 listed critical illnesses after the chosen survival period of 15 or 30 days, and because the money is paid as a benefit rather than against hospital bills it can be...
Best For:
Buyers who prefer a benefit paid on diagnosis rather than one requiring hospital bills and cashless authorisation
Younger applicants looking to lock in cover early, since entry is permitted from 5 years of age
Buyers who want a wider critical illness list than a basic plan, including Parkinson's disease, Alzheimer's disease, benign brain tumour and end-stage liver failure
Sole earners whose household would face a sustained income gap if they were diagnosed with cancer, a heart condition or a neurological illness
Buyers who already hold a hospitalisation policy and want a separate lump sum to cover income loss and non-medical costs during a serious illness
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
Understand renewal discounts: Check the healthy-day requirements and other conditions that determine eligibility for wellness-linked renewal discounts.
Evaluate optional benefits: Compare the cost and coverage of OPD, Claim Shield, wellness benefits and other available add-ons.
Review waiting periods: Consider the initial, named-ailment and pre-existing disease waiting periods.
Compare bonus options: Understand the standard cumulative bonus and optional enhancements before choosing.
Choose your sum insured: Compare available coverage amounts against your healthcare needs, family size and budget.
Set the sum insured against the income and costs you would need to replace over a treatment period, not against hospital bills, since the payout is a fixed benefit rather than a reimbursement.
Pre-existing conditions carry a 48-month waiting period, so if you have a declared condition, factor that delay into whether the cover meets your need.
Choose the survival period deliberately: the quoted premiums are based on 30 days, and the 15-day option changes the price.
The benefit is paid once, so treat this as a supplement to a hospitalisation policy rather than a replacement for one.
This plan pays only on first diagnosis of one of the 15 listed conditions as defined in the policy, so read those definitions — including the severity thresholds on heart attack, cancer and stroke — before assuming a diagnosis will qualify.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Super Saver Health Insurance Plan VS VS |
![]() Critical Illness Platinum Plan Health Insurance Plan |
| Room Rent |
|---|
Supreme Super Saver Room rent is covered up to the sum insured, subject to the policy’s room eligibility and applicable terms. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| ICU Charges |
|---|
Supreme Super Saver ICU expenses are covered up to the sum insured, subject to the applicable policy terms. |
VS VS |
Critical Illness Platinum Plan Not applicable — hospitalisation expenses are not indemnified under this policy |
| Disease-wise sublimits |
|---|
Supreme Super Saver No sublimits on modern or conventional treatments. Individual treatments and claims remain subject to policy exclusions, definitions and other applicable conditions. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Co-payment |
|---|
Supreme Super Saver Optional Care OPD has specified co-payments: 10% for general physician consultations under one listed option and 5% for specialist consultations under that option. Check the selected policy schedule for any other applicable co-payment. |
VS VS |
Critical Illness Platinum Plan Not specified. |
| Cashless Healthcare Providers |
|---|
Supreme Super Saver Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms. |
VS VS |
Critical Illness Platinum Plan 16,000 cashless healthcare providers (insurer-level, as of August 2025). Cashless hospitalisation is not the mechanism of this policy, which pays a lump sum on diagnosis |
| Restoration Benefit |
|---|
Supreme Super Saver Unlimited Automatic Recharge is available for related and unrelated illnesses, including repeated use for the same illness, subject to policy terms. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Cumulative Bonus |
|---|
Supreme Super Saver Standard cumulative bonus: 50% of the sum insured per year, up to a maximum of 100% of the sum insured. The accumulated bonus does not reduce due to claims, subject to policy conditions. The optional Cumulative Bonus Super can increase the bonus by up to 100% of the sum insured per year, up to 500%. |
VS VS |
Critical Illness Platinum Plan Not specified |
| Daycare Treatment |
|---|
Supreme Super Saver All eligible daycare procedures are covered up to the sum insured, subject to policy terms. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Consumable Cover |
|---|
Supreme Super Saver The optional Claim Shield benefit covers expenses relating to 68 listed non-payable items during hospitalisation. Claim Shield+ offers a broader list of eligible non-payable items under the applicable add-on terms. These benefits are optional and subject to additional premium. |
VS VS |
Critical Illness Platinum Plan Not applicable — no itemised hospitalisation expenses are reimbursed |
| AYUSH Treatment |
|---|
Supreme Super Saver Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Initial Waiting Period |
|---|
Supreme Super Saver 30 days from policy inception for illnesses. This waiting period does not apply to eligible accident-related claims. |
VS VS |
Critical Illness Platinum Plan 90 days for all claims |
| Specific Waiting Period |
|---|
Supreme Super Saver 24 months for named ailments, subject to the policy’s list of covered conditions and applicable exceptions. |
VS VS |
Critical Illness Platinum Plan Not specified. |
| PED Waiting Period |
|---|
Supreme Super Saver 36 months for pre-existing diseases under the standard waiting-period terms. The optional Modification of PED Waiting Period can reduce this to 1 or 2 years, as selected and accepted under the policy. |
VS VS |
Critical Illness Platinum Plan 48 months for all pre-existing conditions declared and/or accepted at application |
| Modern Treatment |
|---|
Supreme Super Saver Covers eligible modern and conventional treatments up to the sum insured, with no sublimits stated for these treatments in the brochure, subject to policy terms. |
VS VS |
Critical Illness Platinum Plan Not applicable — this is a fixed-benefit policy paying a lump sum, not an indemnity cover for treatment costs |
| Annual Health Checkup |
|---|
Supreme Super Saver One health check-up per insured person per policy year, subject to the policy terms. |
VS VS |
Critical Illness Platinum Plan Not specified. A pre-policy medical check may be required based on age and sum insured. 50% of standard medical test charges is reimbursed if conducted at an empanelled diagnostic centre, subject to acceptance of the proposal and policy issuance. |
| Pre-Hospitalisation |
|---|
Supreme Super Saver Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Post-Hospitalisation |
|---|
Supreme Super Saver Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Outpatient Department Cover (OPD Expense) |
|---|
Supreme Super Saver Care OPD is an optional add-on policy. Depending on the applicable option and zone, it provides up to four physical consultations with a general physician and up to four consultations with specified specialists per insured person per policy year, subject to consultation limits and co-payments. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Deductible Option |
|---|
Supreme Super Saver A standard deductible option is not specified in the uploaded brochure. Review the current quote and policy schedule for any applicable deductible. |
VS VS |
Critical Illness Platinum Plan Not applicable. |
| Coverage Options |
|---|
Supreme Super Saver Individual cover for up to 6 persons or family floater cover for up to 2 adults and 2 children, subject to eligibility. |
VS VS |
Critical Illness Platinum Plan Cover is written per insured person. No individual/floater structure is stated. |
| Claim Settlement Ratio |
|---|
Supreme Super Saver Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. |
VS VS |
Critical Illness Platinum Plan Approximately 97% |
| Maternity Cover |
|---|
Supreme Super Saver Maternity expenses are not listed as a standard base benefit in the brochure. Certain services or discounts may be available through optional Care OPD or network wellness services, but these should not be treated as maternity insurance coverage. |
VS VS |
Critical Illness Platinum Plan Not covered. |
Insurance Plans Comparison
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