Oneassure

Partner with us

Insurance Plans Comparison

Star Health Gain vs Care Supreme

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

Read more
Star

Health Gain

Flexible Health Insurance with Hospitalisation and OPD Benefits

What Makes It Special:

Inpatient Hospitalisation and Outpatient Medical Expenses

Best For:

  • Customers looking for daycare and eligible AYUSH treatment coverage.

  • Customers who use outpatient services at networked facilities.

  • Customers seeking flexible Sum Insured options.

  • Families looking for Individual or Family Floater coverage.

  • Individuals seeking inpatient and outpatient health insurance benefits.

VS
Care

Supreme

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

What Makes It Special:

Care Supreme by Care Health Insurance is a comprehensive health plan designed for individuals and families, offering sum insured options from ₹3 lakh to ₹1 crore. It covers in-patient hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses with no sub-limits. Key highlights include the “Cumulative Bonus Super,”...

Best For:

  • Family-Focused Comprehensive Plan

  • High-Bonus Health Coverage

  • Wellness and Fitness Rewards

  • Customizable All-Round Protection

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

Star Health Gain

  • Check the treatment-specific sublimits.

  • Review the pre- and post-hospitalisation benefit periods.

  • Check the selected OPD benefit limit.

  • Understand the waiting periods for pre-existing diseases and specified treatments.

  • Review the co-payment applicable to entry age 61 and above.

  • Check the room rent limit.

Care Supreme

  • You want a high bonus for claim-free years

  • Has OPD benefits which can be opted at a minimal premium

  • You prefer no sub-limits on key expenses

  • Wellness rewards and fitness discounts motivate you

  • You need add-ons like mental health coverage

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Gain
Health Gain

Health Insurance Plan

Brochure

VS
Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Gain

  1. Up to 1% of the basic Sum Insured per day.
VS

Supreme

All room categories are covered

ICU Charges

Health Gain

Covered as part of eligible hospitalisation expenses.

VS

Supreme

No restriction on ICU room rent

Disease-wise sublimits

Health Gain

Sublimits apply to specified treatments, including cataract and listed modern treatments.

VS

Supreme

No 

Co-payment

Health Gain

20% for insured persons whose age at entry is 61 years and above.

VS

Supreme

Not available

Restoration Benefit

Health Gain

Not specified.

VS

Supreme

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

(per claim in a policy year for related/unrelated illnesses)

Cashless Healthcare Providers

Health Gain

Cashless treatment is available at eligible network hospitals, subject to pre-authorisation.

VS

Supreme

21700+ Healthcare Providers

Daycare Treatment

Health Gain

Eligible daycare procedures are covered, subject to policy terms.

VS

Supreme

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

Cumulative Bonus

Health Gain

Not specified.

VS

Supreme

Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

(Option to boost coverage by 5x annually)

AYUSH Treatment

Health Gain

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

VS

Supreme

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Consumable Cover

Health Gain

Not specified.

VS

Supreme

No. However, available as an add-on

Initial Waiting Period

Health Gain

30 days, except for covered accident-related claims.

VS

Supreme

30 days

Specific Waiting Period

Health Gain

24 months for specified diseases and procedures.

VS

Supreme

2 years

PED Waiting Period

Health Gain

36 months for pre-existing diseases.

VS

Supreme

3 years

Modern Treatment

Health Gain

Specified modern treatments are covered, subject to policy limits.

VS

Supreme

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health Gain

Not specified.

VS

Supreme

Health checkup is not included as part of base cover. However, available as an add-on

Pre-Hospitalisation

Health Gain

Covered for up to 30 days before hospital admission.

VS

Supreme

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

Health Gain

Covered for up to 60 days after discharge.

VS

Supreme

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Health Gain

Available at networked facilities in India, up to the selected benefit limit.

VS

Supreme

OPD expense is not included as part of base cover. However, available as an add-on

Deductible Option

Health Gain

Not specified.

VS

Supreme

Not available

Coverage Options

Health Gain

Individual and Family Floater.

VS

Supreme

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

Health Gain

Insurer-level metric, not a policy benefit.

VS

Supreme

96%

Maternity Cover

Health Gain

Maternity expenses are excluded, except for the specified ectopic pregnancy exception.

VS

Supreme

Not available

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

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

24/7 Claim Assistance

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

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)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Health Gain vs Optima Secure

Health Gain vs Super Mediclaim

Health Gain vs Health Recharge

Health Gain vs Cancer Cover Activ Cancer Secure Plan

Health Gain vs Optima Secure Plus

Supreme vs Optima Secure

Supreme vs Super Mediclaim

Supreme vs Health Recharge

Supreme vs Cancer Cover Activ Cancer Secure Plan

Supreme vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Health Gain Vs Supreme

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.