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...
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
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
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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.
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 Health Insurance Plan VS VS |
![]() 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 VS |
Family Health Optima
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| ICU Charges |
|---|
Supreme Super Saver ICU expenses are covered up to the sum insured, subject to the applicable policy terms. |
VS 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 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 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 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 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 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 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 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 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 VS |
Family Health Optima
|
| 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 |
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 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 VS |
Family Health Optima
|
| Annual Health Checkup |
|---|
Supreme Super Saver One health check-up per insured person per policy year, subject to the policy terms. |
VS 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 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 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 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 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 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 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 VS |
Family Health Optima Not specified. |
Insurance Plans Comparison
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