Insurance Plans Comparison
Care Supreme Value for Money vs Care Supreme Enhance One
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSupreme Value for Money
Affordable health insurance with hospitalisation cover, unlimited automatic recharge and a cumulative bonus that can double the base sum insured.
What Makes It Special:
Care Supreme is a health insurance plan from Care Health Insurance that combines hospitalisation coverage with unlimited automatic recharge and a cumulative bonus of up to 100% of the base sum insured. The Value for Money variant is designed around essential hospitalisation protection at a competitive premium, with important conditions...
Best For:
Buyers who prioritise hospitalisation coverage over standard maternity and routine OPD benefits.
Customers comfortable using designated Smart Select hospitals to manage co-payment exposure.
Buyers who want a cumulative bonus that can increase the base sum insured by up to 100%.
Customers who value unlimited automatic recharge for eligible repeat hospitalisations.
Individuals and families looking for health insurance with essential hospitalisation benefits.
VS
What Makes It Special:
Care Supreme Enhance 1 is a feature-rich health insurance plan offering comprehensive medical coverage with high sum insured options. It covers hospitalization, daycare procedures, pre- and post-hospitalization, along with wellness benefits and add-ons. Designed for individuals and families, it ensures financial protection and peace of mind against rising healthcare costs.
Best For:
Family-friendly coverage with wellness benefits
Extra add-ons for enhanced protection
Cashless treatment at a wide hospital network
Complete hospitalization & daycare coverage
High sum insured with affordable premiums
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
Additional benefits: Compare optional waiting-period modifications, OPD coverage and non-payable expense protection where available.
Waiting periods: Consider the 30-day initial waiting period, 24-month specific illness waiting period and 36-month pre-existing disease waiting period.
Network hospitals: Check whether suitable Smart Select hospitals are accessible where you live and expect to seek treatment.
Room eligibility: Understand the permitted room category and the potential financial impact of choosing a higher category.
Sum insured: Choose cover based on your location, healthcare costs, family size and financial commitments.
You want flexible add-ons for enhanced family protection
You want wellness benefits and rewards built into your plan
You want daycare, pre- and post-hospitalization expenses covered
You want cashless hospitalization across a wide network
You want high medical coverage at affordable premiums
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Value for Money Health Insurance Plan VS VS |
Supreme Enhance One Health Insurance Plan |
| Room Rent |
|---|
Supreme Value for Money Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation. |
VS VS |
Supreme Enhance One
|
| ICU Charges |
|---|
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
VS VS |
Supreme Enhance One No restriction on ICU room rent |
| Advanced Treatments |
|---|
Supreme Value for Money Information Unavailable |
VS VS |
Supreme Enhance One
|
| Co-payment |
|---|
Supreme Value for Money A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim. |
VS VS |
Supreme Enhance One No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment. |
| Disease-wise sublimits |
|---|
Supreme Value for Money Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions. |
VS VS |
Supreme Enhance One No |
| Waiting Period |
|---|
Supreme Value for Money Information Unavailable |
VS VS |
Supreme Enhance One . |
| Cashless Healthcare Providers |
|---|
Supreme Value for Money The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals. |
VS VS |
Supreme Enhance One Access to 24,800+ network hospitals for cashless treatment. |
| Restoration Benefit |
|---|
Supreme Value for Money Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms. |
VS VS |
Supreme Enhance One 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 Value for Money The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims. |
VS VS |
Supreme Enhance One Your sum insured increases by 10% every year, maximum up to 100% |
| Daycare Treatment |
|---|
Supreme Value for Money Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions. |
VS VS |
Supreme Enhance One . |
| Consumable Cover |
|---|
Supreme Value for Money Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant. |
VS VS |
Supreme Enhance One Yes |
| AYUSH Treatment |
|---|
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
VS VS |
Supreme Enhance One . |
| Initial Waiting Period |
|---|
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
VS VS |
Supreme Enhance One 30 days |
| Specific Waiting Period |
|---|
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
VS VS |
Supreme Enhance One 2 years |
| PED Waiting Period |
|---|
Supreme Value for Money 36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected. |
VS VS |
Supreme Enhance One 3 years |
| Modern Treatment |
|---|
Supreme Value for Money Eligible advanced technology treatments are covered up to the sum insured, subject to the policy's treatment definitions, conditions and exclusions. |
VS VS |
Supreme Enhance One Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Supreme Value for Money Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant. |
VS VS |
Supreme Enhance One Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
VS VS |
Supreme Enhance One You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
VS VS |
Supreme Enhance One 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 Value for Money Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available. |
VS VS |
Supreme Enhance One OPD expense is not included |
| Deductible Option |
|---|
Supreme Value for Money A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims. |
VS VS |
Supreme Enhance One Available |
| Coverage Options |
|---|
Supreme Value for Money Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product. |
VS VS |
Supreme Enhance One Available coverage options: 20L to 1cr |
| Claim Settlement Ratio |
|---|
Supreme Value for Money Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved. |
VS VS |
Supreme Enhance One 96% |
| Maternity Cover |
|---|
Supreme Value for Money Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage. |
VS VS |
Supreme Enhance One Not available |
Insurance Plans Comparison
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Insurance Plans Comparison
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Frequently Asked Questions (FAQs)
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