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Insurance Plans Comparison

Care Supreme vs Star Medi Classic

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

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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

VS
Star

Medi Classic

Star Medi Classic is an individual health insurance with essential hospitalisation benefits, preventive health check-ups and additional optional benefits.

What Makes It Special:

Medi Classic Insurance Policy is an individual health insurance plan that provides coverage for hospitalisation and selected medical treatments. It offers Sum Insured options from ₹5 Lakh to ₹15 Lakh, along with pre and post-hospitalisation coverage, preventive health check-ups and cumulative bonus. Optional Patient Care and Hospital Cash benefits are...

Best For:

  • Customers interested in optional Patient Care or Hospital Cash benefits.

  • Individuals looking for preventive health check-up benefits.

  • Customers who want pre and post-hospitalisation coverage.

  • People seeking Sum Insured options between ₹5 Lakh and ₹15 Lakh.

  • Individuals looking for individual health insurance coverage.

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

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

Star Medi Classic

  • Review the applicable limits carefully, especially for room rent, modern treatments and other treatments with specific limits.

  • Consider the optional Patient Care and Hospital Cash benefits if they match your requirements.

  • The plan may suit customers who value pre-hospitalisation and post-hospitalisation coverage.

  • Consider it if a Sum Insured of ₹5 Lakh to ₹15 Lakh meets your coverage requirement.

  • Choose this plan if you need individual health insurance rather than a family floater.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic
Medi Classic

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme

All room categories are covered

VS

Medi Classic

2% of Sum Insured per day, subject to a maximum of ₹5,000 per day.



ICU Charges

Supreme

No restriction on ICU room rent

VS

Medi Classic

Covered as per the applicable policy terms and limits.

Co-payment

Supreme

Not available

VS

Medi Classic

Not specified in the retrieved source.



Disease-wise sublimits

Supreme

No 

VS

Medi Classic

Modern treatments and cataract treatment are subject to applicable limits.



Cashless Healthcare Providers

Supreme

21700+ Healthcare Providers

VS

Medi Classic

Not specified in the retrieved source.



Restoration Benefit

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)

VS

Medi Classic

Not specified in the retrieved source.

Daycare Treatment

Supreme

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

VS

Medi Classic

Not specified in the retrieved source.



Cumulative Bonus

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)

VS

Medi Classic

5% of the Sum Insured for every claim-free year, subject to a maximum of 25% of the Sum Insured.



AYUSH Treatment

Supreme

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

VS

Medi Classic

Not specified in the retrieved source.



Consumable Cover

Supreme

No. However, available as an add-on

VS

Medi Classic

Not specified in the retrieved source.



Initial Waiting Period

Supreme

30 days

VS

Medi Classic

Not specified in the retrieved source.



Specific Waiting Period

Supreme

2 years

VS

Medi Classic

Not specified in the retrieved source.



PED Waiting Period

Supreme

3 years

VS

Medi Classic





Modern Treatment

Supreme

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

VS

Medi Classic

Covered, subject to applicable limits and policy terms.



Annual Health Checkup

Supreme

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

VS

Medi Classic

Preventive health check-up is covered as per policy terms.



Pre-Hospitalisation

Supreme

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

VS

Medi Classic

Covered for 30 days.



Post-Hospitalisation

Supreme

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

VS

Medi Classic

Covered for 60 days, subject to the applicable limits and conditions.



Outpatient Department Cover (OPD Expense)

Supreme

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

VS

Medi Classic

Not specified as a standard base benefit in the retrieved source. Optional Patient Care and Hospital Cash benefits are available subject to conditions.



Deductible Option

Supreme

Not available

VS

Medi Classic

Not specified in the retrieved source.



Coverage Options

Supreme

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

VS

Medi Classic

Sum Insured options of ₹5 Lakh, ₹7.5 Lakh, ₹10 Lakh and ₹15 Lakh.



Claim Settlement Ratio

Supreme

96%

VS

Medi Classic

Not specified in the retrieved source.



Maternity Cover

Supreme

Not available

VS

Medi Classic

Not specified in the retrieved source.



Insurance Plans Comparison

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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

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  • 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.

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