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Insurance Plans Comparison

Care Supreme Super Saver vs Star Family Health Optima

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

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Care

Supreme 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
Star

Family Health Optima

Family Floater Health Insurance with Hospitalisation Benefits

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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

  • 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.

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Super Saver
Supreme Super Saver

Health Insurance Plan

VS
Family Health Optima
Family Health Optima

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

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
ICU Charges

Supreme Super Saver

ICU expenses are covered up to the sum insured, subject to the applicable policy terms.


VS

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

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

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

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

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

Cashless Healthcare Providers

Supreme Super Saver

Cashless treatment is available at eligible network hospitals, subject to network participation, pre-authorisation and policy terms.

VS

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

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

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

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

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

Daycare Treatment

Supreme Super Saver

All eligible daycare procedures are covered up to the sum insured, subject to policy terms.

VS

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

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

Family Health Optima

Not specified.

AYUSH Treatment

Supreme Super Saver

Eligible AYUSH treatment is covered up to 100% of the sum insured, subject to policy terms.

VS

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

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

Family Health Optima

  1. 30 days, except 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

Family Health Optima

24 months for specified diseases and procedures.

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

Family Health Optima

36 months for pre-existing diseases.

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

Family Health Optima

  1. Specified modern treatments are covered, subject to policy limits.
Annual Health Checkup

Supreme Super Saver

One health check-up per insured person per policy year, subject to the policy terms.

VS

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

Pre-Hospitalisation

Supreme Super Saver

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions.

VS

Family Health Optima

Covered for up to 60 days before hospital admission.

Post-Hospitalisation

Supreme Super Saver

Eligible post-hospitalisation medical expenses are covered for up to 180 days after discharge, subject to policy conditions.

VS

Family Health Optima

Covered for up to 90 days after discharge.

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

Family Health Optima

Not specified.

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

Family Health Optima

Not specified.

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

Family Health Optima

Family Floater.

Claim Settlement Ratio

Supreme Super Saver

Use Care Health Insurance’s verified insurer-level claim settlement ratio for the relevant financial year.

VS

Family Health Optima

Insurer-level metric, not a policy benefit.

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

Family Health Optima

Not specified.

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?

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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)

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Supreme Super Saver Vs Family Health Optima

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