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Insurance Plans Comparison

Care Supreme vs Star Young Star

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

Young Star

Star Young star policy

What Makes It Special:

Young Star Insurance Policy is a health insurance plan designed for adults between 18 and 40 years, with dependent children eligible from 91 days to 25 years on a floater basis. It offers individual and family floater coverage, automatic restoration of Basic Sum Insured, cumulative bonus, health check-up benefits, wellness...

Best For:

  • Buyers looking for long-term health insurance with lifelong renewability

  • Customers who want wellness-based premium discounts

  • Customers looking for automatic restoration of Basic Sum Insured

  • Young families seeking individual or family floater coverage

  • Adults between 18 and 40 years looking for health insurance

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

  • 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 Young Star

  • The restored Sum Insured cannot be carried forward and does not apply to Modern Treatment.

  • The maternity benefit is available only under the Gold Plan and has specific eligibility and waiting period conditions.

  • Room eligibility is based on a Single Private A/C Room, with proportionate deductions for higher room categories.

  • Specified diseases and procedures have a 12-month waiting period.

  • The PED waiting period is 12 months.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme
Supreme

Health Insurance Plan

Brochure

Policy Wording

VS
Young Star
Young Star

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme

All room categories are covered

VS

Young Star

Single Private A/C Room, with proportionate deductions applicable for higher room categories


ICU Charges

Supreme

No restriction on ICU room rent

VS

Young Star

Covered as part of hospitalisation expenses

Co-payment

Supreme

Not available

VS

Young Star

No standard co-payment specified in the supplied policy document

Disease-wise sublimits

Supreme

No 

VS

Young Star

Applicable limits may apply to specific treatments and benefits


Cashless Healthcare Providers

Supreme

21700+ Healthcare Providers

VS

Young Star

Cashless hospitalisation available through Star Health network hospitals

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

Young Star

100% Automatic Restoration of Basic Sum Insured, subject to policy conditions


Daycare Treatment

Supreme

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

VS

Young Star

All Day Care Procedures Covered

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

Young Star

20% of Basic Sum Insured for every claim-free year, up to 100% of Basic Sum Insured

AYUSH Treatment

Supreme

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

VS

Young Star

Covered, subject to applicable policy terms


Consumable Cover

Supreme

No. However, available as an add-on

VS

Young Star

Not specifically mentioned in the supplied policy document


Initial Waiting Period

Supreme

30 days

VS

Young Star

30 Days, except for eligible accident-related claims

Specific Waiting Period

Supreme

2 years

VS

Young Star

12 Months for specified diseases and procedures


PED Waiting Period

Supreme

3 years

VS

Young Star

12 Months for pre-existing diseases and their direct complications


Modern Treatment

Supreme

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

VS

Young Star

Covered subject to applicable limits

Annual Health Checkup

Supreme

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

VS

Young Star

Available after completion of each policy year, subject to applicable limits and renewal


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

Young Star

Covered for up to 60 Days

Post-Hospitalisation

Supreme

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

VS

Young Star

Covered for up to 90 Days

Outpatient Department Cover (OPD Expense)

Supreme

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

VS

Young Star

Not specified as a standard OPD benefit

Deductible Option

Supreme

Not available

VS

Young Star

1-day deductible applies to the Hospital Cash Benefit


Coverage Options

Supreme

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

VS

Young Star

₹3 Lakh to ₹1 Crore, with ₹3 Lakh available only on an individual basis; higher options available on individual and floater basis


Claim Settlement Ratio

Supreme

96%

VS

Young Star

Not specified in the supplied policy document

Maternity Cover

Supreme

Not available

VS

Young Star

Delivery expenses up to ₹30,000 per delivery under the Gold Plan, subject to a 36-month waiting period and other conditions


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

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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

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