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Insurance Plans Comparison

Care Supreme Senior Super vs Niva Bupa Health Companion Variant 1

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

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Care

Supreme Senior Super

Senior citizen health insurance with automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Super is designed for senior citizens aged 61 years and above, with individual and family floater options and multiple sum insured choices. It covers eligible hospitalisation, daycare, AYUSH treatment and specified pre- and post-hospitalisation expenses, along with unlimited automatic recharge and cumulative bonus benefits. The plan has...

Best For:

  • Customers who want access to optional wellness, health check-up or additional care benefits, subject to applicable terms.

  • Families looking to cover eligible senior members through individual or family floater options.

  • Buyers seeking cumulative bonus growth of up to 100% of the sum insured.

  • Older adults looking for coverage with unlimited automatic recharge for multiple hospitalisation claims.

  • Senior citizens aged 61 years and above seeking health insurance with lifelong adult renewability.

VS
Niva Bupa

Health Companion Variant 1

Add 20% of the base sum insured each claim-free year up to 100%, refill the base sum insured once for a different illness, and get animal-bite vaccination up to ₹2,500 with a check-up once every 2 years.

What Makes It Special:

Health Companion Variant 1 is a Niva Bupa floater covering hospitalisation, day care, AYUSH and domiciliary treatment, with a refill benefit and no-claim bonus. Variant-specific terms are not separated in the prospectus.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Buyers who want optional daily hospital cash

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

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 Super

  • Optional benefits: Check the additional cost, eligibility and conditions for wellness, air ambulance, annual health check-ups and add-on benefits.

  • Treatment sub-limits: Compare the limits for cataract, knee replacement and other specified treatments with your anticipated coverage needs.

  • Room eligibility: Review the most economical single private AC room restriction and the terms of any optional room-rent modification.

  • Waiting periods: Check the 48-month PED waiting period and 24-month specified ailment waiting period against your medical history.

  • Co-payment: Account for the standard 20% co-payment when estimating potential out-of-pocket expenses.

Niva Bupa Health Companion Variant 1

  • Buyers who do not need maternity or OPD cover

  • Hospital cash requires at least 48 hours in hospital.

  • Maternity is not covered, so plan separately if needed.

  • The refill applies only once a policy year.

  • The 36-month PED wait applies, so buy early if you have an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Super
Supreme Senior Super

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Variant 1
Health Companion Variant 1

Health Insurance Plan

Brochure

Room Rent

Supreme Senior Super

Most economical single private AC room; optional Room Rent Modification may change eligibility.

VS

Health Companion Variant 1

  1. Room Rent Limit: No limit on room category, allowing flexibility in choosing any hospital room.
  2. ICU Limit: No capping on ICU charges, ensuring full coverage for intensive care treatments as per the sum insured.
ICU Charges

Supreme Senior Super

No limit specified.

VS

Health Companion Variant 1

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Supreme Senior Super

Information Unavailable

VS

Health Companion Variant 1

  1. Robotic and CyberKnife Surgery.
  2. Bariatric Surgery.
  3. Modern Cancer Treatments
  4. Organ Transplant Coverage
Co-payment

Supreme Senior Super

20% applies to all claims under the stated standard configuration; an optional co-payment benefit is also referenced.

VS

Health Companion Variant 1

Niva Bupa Health Companion Variant 1 does not have a mandatory co-payment for policyholders below 65 years. However, for individuals aged 65 and above, a 20% co-payment applies to all claims.

Disease-wise sublimits

Supreme Senior Super

Applicable to specified treatments. Limits vary by sum insured and apply per policy year, including pre- and post-hospitalisation expenses.

VS

Health Companion Variant 1

No disease sublimit schedule in the prospectus

Cashless Healthcare Providers

Supreme Senior Super

11000+

VS

Health Companion Variant 1

10,000+ network hospitals.

Restoration Benefit

Supreme Senior Super

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

VS

Health Companion Variant 1

Information Unavailable

Cumulative Bonus

Supreme Senior Super

50% of the sum insured on renewal, capped at 100% of the sum insured. Not affected by claims.

VS

Health Companion Variant 1

20% of the expiring base sum insured per claim-free year, up to 100%

Daycare Treatment

Supreme Senior Super

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

VS

Health Companion Variant 1

Covered under the policy. 

Consumable Cover

Supreme Senior Super

Not specified.

VS

Health Companion Variant 1

Prescribed medicines and consumables during treatment are covered. Annexure II items are not.

AYUSH Treatment

Supreme Senior Super

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

VS

Health Companion Variant 1

Covered under this policy

Initial Waiting Period

Supreme Senior Super

30 days, except accidental hospitalisation.

VS

Health Companion Variant 1

30 days, except accidents

Specific Waiting Period

Supreme Senior Super

24 months for named ailments.

VS

Health Companion Variant 1

24 months for listed conditions

PED Waiting Period

Supreme Senior Super

48 months

VS

Health Companion Variant 1

36 months

Modern Treatment

Supreme Senior Super

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

VS

Health Companion Variant 1

Covered up to the sum insured

Annual Health Checkup

Supreme Senior Super

Optional benefit; once a year for all insured members.

VS

Health Companion Variant 1

Annual from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Cashless only.

Pre-Hospitalisation

Supreme Senior Super

60 days.

VS

Health Companion Variant 1

60 days before admission

Post-Hospitalisation

Supreme Senior Super

180 days.

VS

Health Companion Variant 1

180 days after discharge

Outpatient Department Cover (OPD Expense)

Supreme Senior Super

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

VS

Health Companion Variant 1

Not covered

Deductible Option

Supreme Senior Super

Not specified.

VS

Health Companion Variant 1

Annual aggregate deductible from ₹10,000 to ₹10 lakh

Coverage Options

Supreme Senior Super

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.

VS

Health Companion Variant 1

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Supreme Senior Super

99.98% FY 2024-25

VS

Health Companion Variant 1

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Supreme Senior Super

Not specified.

VS

Health Companion Variant 1

Not covered

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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Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

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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

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Senior Citizen Health Plan

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  • Tailored for seniors healthcare needs

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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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