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Insurance Plans Comparison

Care Supreme (Direct) vs Care Ultimate

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

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Care

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

VS
Care

Ultimate

Health insurance with unlimited restoration, moneyback rewards and long-term loyalty benefits.

What Makes It Special:

Comprehensive Health Insurance

Best For:

  • Health-conscious customers seeking wellness rewards and renewal discounts.

  • Individuals interested in unlimited restoration of their sum insured.

  • Customers who value rewards for remaining claim-free.

  • People looking for coverage options up to ₹1 crore.

  • Individuals and families seeking comprehensive hospitalisation coverage.

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 (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

Care Ultimate

  • Review waiting periods: The standard waiting periods are 30 days for initial illnesses, 24 months for named ailments and 36 months for pre-existing diseases.

  • Evaluate wellness rewards: The optional Wellness Benefit offers renewal discounts based on qualifying healthy days and applicable conditions.

  • Look at Infinity Bonus: This optional benefit provides an additional 100% of base sum insured per year, irrespective of claims, with continuous renewal.

  • Consider the moneyback benefit: The optional Premium Payback benefit refunds the first policy year's base premium after five consecutive claim-free policy years, subject to renewal conditions.

  • Choose for comprehensive coverage: The brochure lists inpatient care, day-care procedures, advanced technology treatments, AYUSH and other hospitalisation benefits, subject to policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Ultimate
Ultimate

Health Insurance Plan

Brochure

Room Rent

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

VS

Ultimate

All room categories are covered

ICU Charges

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

VS

Ultimate

No restriction on ICU room rent

Co-payment

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

VS

Ultimate

Not available

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Ultimate

No 

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Ultimate

21700+ Healthcare Providers

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Ultimate

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

Cumulative Bonus

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

VS

Ultimate

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

Daycare Treatment

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

VS

Ultimate

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

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Ultimate

No. However, available as an add-on

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Ultimate

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

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Ultimate

30 days

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Ultimate

2 years
 

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Ultimate

3 years
 

Modern Treatment

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

VS

Ultimate

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

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Ultimate

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

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Ultimate

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

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Ultimate

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

Not available in base plan, present as an add on.

VS

Ultimate

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

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Ultimate

Not available

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Ultimate

Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Ultimate

96%

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Ultimate

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

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