Insurance Plans Comparison
Care Supreme Super Saver vs Niva Bupa Health Recharge
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
Health Recharge
Super top-up health insurance for additional financial protection against hospitalisation expenses.
What Makes It Special:
Niva Bupa Health Recharge is a super top-up plan designed to provide additional health insurance protection after the selected annual aggregate deductible is exhausted. It offers inpatient hospitalisation cover, pre- and post-hospitalisation expenses, daycare treatment, loyalty additions on eligible base cover, and optional personal accident and critical illness benefits.
Best For:
Buyers who want a super top-up plan with loyalty additions on eligible Base Sum Insured.
People looking for optional personal accident or critical illness cover.
Buyers who want to supplement an existing base health insurance policy.
Families seeking a higher total health cover with a chosen deductible.
People who already have employer-provided or individual health insurance and want additional cover.
Insurance Plans Comparison
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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.
Compare the additional premium and coverage limits for optional personal accident and critical illness benefits.
Review the waiting periods and exclusions in the complete policy wording before purchasing.
Confirm the applicable Base Sum Insured, room-rent conditions and any benefit sub-limits.
Check whether your existing health insurance cover and the selected deductible work well together.
Choose a deductible you can comfortably pay before the plan begins contributing.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Super Saver Health Insurance Plan VS VS |
Health Recharge 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 |
Health Recharge Below ₹5L SI: 1% of SI per day limit; ₹5L+ SI: no monetary cap, single private room eligible. |
| ICU Charges |
|---|
Supreme Super Saver ICU expenses are covered up to the sum insured, subject to the applicable policy terms. |
VS VS |
Health Recharge Covered up to sum insured with no specific restrictions. |
| 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 |
Health Recharge Yes, modern treatments have specific sublimits; mental disorder treatment: 10% SI (max ₹50K) |
| 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 |
Health Recharge Not applicable; annual aggregate deductible is the cost-sharing mechanism. |
| 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 |
Health Recharge 10,000+ Niva Bupa empanelled network hospitals. |
| 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 |
Health Recharge Not available under Health Recharge plan. |
| 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 |
Health Recharge Loyalty Additions: 5% annual increase of base SI up to 50% maximum (only for SI up to ₹25L). |
| Daycare Treatment |
|---|
Supreme Super Saver All eligible daycare procedures are covered up to the sum insured, subject to policy terms. |
VS VS |
Health Recharge All eligible day-care treatments covered up to sum insured. |
| 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 |
Health Recharge Yes, medicines, drugs and consumables as prescribed by treating practitioner. |
| AYUSH Treatment |
|---|
Supreme Super Saver Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms. |
VS VS |
Health Recharge Covers Ayurveda, Yoga, Unani, Siddha, Homoeopathy as in-patient treatment up to base SI. |
| 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 |
Health Recharge 30 days from first policy commencement (no exception for accidents). |
| 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 |
Health Recharge 24 months for specified diseases and procedures listed in policy. |
| 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 |
Health Recharge 36 months continuous coverage from policy inception. |
| 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 |
Health Recharge Covers oral chemotherapy, robotic surgeries, intra-vitreal injections, deep brain stimulation with per-treatment sub-limits. |
| Annual Health Checkup |
|---|
Supreme Super Saver One health check-up per insured person per policy year, subject to the policy terms. |
VS VS |
Health Recharge Not listed as base benefit; health assessment available separately. |
| Pre-Hospitalisation |
|---|
Supreme Super Saver Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions. |
VS VS |
Health Recharge Up to 60 days before hospitalisation when related claim is admissible. |
| 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 |
Health Recharge Up to 90 days after discharge for eligible medical expenses. |
| 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 |
Health Recharge Not available; plan provides unlimited e-consultation and pharmacy/diagnostic access. |
| 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 |
Health Recharge Mandatory annual aggregate deductible: ₹10K, ₹25K, ₹50K options available. |
| 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 |
Health Recharge ₹2L, ₹3L, ₹4L, ₹5L, ₹7.5L, ₹10L, ₹15L, ₹25L, ₹40L, ₹45L, ₹65L, ₹70L, ₹90L, ₹95L. |
| Claim Settlement Ratio |
|---|
Supreme Super Saver Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year. |
VS VS |
Health Recharge 80% |
| 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 |
Health Recharge Excluded under this policy. |
Insurance Plans Comparison
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