Insurance Plans Comparison
HDFC ERGO Optima Lite vs Care Supreme Value for Money
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Lite
Optima Lite
What Makes It Special:
Optima Lite is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.
Best For:
- Not available
VS
Supreme 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.
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
Not available
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Lite Health Insurance Plan VS VS |
Supreme Value for Money Health Insurance Plan |
| Room Rent |
|---|
Optima Lite Normal: Up to 1% of Base Sum Insured per day ICU: Up to 2% of Base Sum Insured per day |
VS VS |
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. |
| Advanced Treatments |
|---|
Optima Lite Robotic Surgeries Oral Chemotherapy Deep Brain Stimulation Balloon Sinuplasty Bronchial Thermoplasty Stereotactic Radio Surgeries Intra Vitreal Injections Immunotherapy Vaporisation of Prostate IONM (Intra Operative Neuro Monitoring) Stem Cell Therapy |
VS VS |
Supreme Value for Money Information Unavailable |
| ICU Charges |
|---|
Optima Lite Information Unavailable |
VS VS |
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
| Co-payment |
|---|
Optima Lite Not mentioned |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Waiting Period |
|---|
Optima Lite Initial Waiting Period: 30 Days Pre-existing Disease Waiting Period: 3 Years Specific Disease/Procedure Waiting Period: 2 Years |
VS VS |
Supreme Value for Money Information Unavailable |
| Cashless Healthcare Providers |
|---|
Optima Lite 16,000+ Cashless Healthcare Providers |
VS VS |
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. |
| Restoration Benefit |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Daycare Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
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. |
| Cumulative Bonus |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| AYUSH Treatment |
|---|
Optima Lite Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
| Consumable Cover |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Initial Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
| Specific Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
| PED Waiting Period |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Modern Treatment |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Annual Health Checkup |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Optima Lite Information Unavailable |
VS VS |
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
| Post-Hospitalisation |
|---|
Optima Lite Information Unavailable |
VS VS |
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Deductible Option |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Coverage Options |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
| Maternity Cover |
|---|
Optima Lite Information Unavailable |
VS VS |
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. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Optima Lite vs Optima Secure
Optima Lite vs Super Mediclaim
Optima Lite vs Health Recharge
Optima Lite vs Cancer Cover Activ Cancer Secure Plan
Optima Lite vs Optima Secure Plus
Optima Lite vs Women Care
Optima Lite vs Aspire Diamond+
Optima Lite vs Activate Booster Plan A
Optima Lite vs Active Care Premier
Optima Lite vs ProHealth Accumulate
Optima Lite vs Health Super Saver Standard
Optima Lite vs Supreme Shine
Optima Lite vs Optima Secure Global Plus
Optima Lite vs Health Cardiac Care Silver & Gold Plan
Optima Lite vs myHealth Suraksha Gold
Optima Lite vs LifeTime Health Global
Optima Lite vs Active Fit Plus
Optima Lite vs OneHealth Premium
Optima Lite vs Activ Health Platinum Essential
Optima Lite vs Medicare Plus
Optima Lite vs Medicare Senior
Optima Lite vs Enhance Super Top-up Two
Optima Lite vs Medicare Protect
Optima Lite vs Activ One SAVR
Optima Lite vs Active Assure Diamond
Optima Lite vs Activ One VIP
Optima Lite vs Health Pulse Classic
Optima Lite vs Advantage
Optima Lite vs Special Care Gold
Optima Lite vs Activ One Max
Optima Lite vs Classic
Optima Lite vs Activ One Vytl
Optima Lite vs Supreme
Optima Lite vs Freedom
Optima Lite vs Sarvah Pratham
Optima Lite vs Joy Today
Optima Lite vs Medi Classic
Optima Lite vs Activate Booster Plan B
Optima Lite vs Aspire Gold+
Optima Lite vs Aspire Platinum+
Optima Lite vs Plus Complete
Optima Lite vs Reassure 2.0 Platinum+
Optima Lite vs Elder Care
Optima Lite vs Reassure 3.0 Elite
Optima Lite vs EquiCover
Optima Lite vs Young Star Gold
Optima Lite vs Enhance Super Top-up One
Optima Lite vs Joy Tomorrow
Optima Lite vs Activ One VIP+
Optima Lite vs Reassure 3.0 Select
Optima Lite vs Red Carpet Senior Citizens
Optima Lite vs Medicare Premier
Optima Lite vs Family Health Optima
Optima Lite vs Health Companion Variant 2022
Optima Lite vs Health Companion Variant 3
Optima Lite vs Plus Youth
Optima Lite vs Assure
Optima Lite vs Health Premia Gold
Optima Lite vs Health Premia Platinum
Optima Lite vs Cancer Care Platinum
Optima Lite vs ProHealth Prime Protect
Optima Lite vs Comprehensive
Optima Lite vs HeartBeat Enhanced
Optima Lite vs Reassure
Optima Lite vs Supreme Senior Premium
Optima Lite vs Health Recharge Super Top Up Plan
Optima Lite vs Reassure 3.0
Optima Lite vs myHealth Suraksha Platinum
Optima Lite vs Supreme Value for Money
Optima Lite vs Supreme Senior Super
Optima Lite vs Supreme Enhance
Optima Lite vs Reassure 2.0 Gold
Optima Lite vs Medicare
Optima Lite vs Ultimate (Direct)
Optima Lite vs Young Star
Optima Lite vs Sarvah Param
Optima Lite vs Optima Insurance
Optima Lite vs Smart Super Health Assure
Optima Lite vs Reassure 3.0 Black
Optima Lite vs Health Guard Platinum
Optima Lite vs Health Guard Gold
Optima Lite vs Elevate (Direct)
Optima Lite vs Extra Care Plus Super Top-up
Optima Lite vs Health Care Supreme Smart
Optima Lite vs Smart Health Pro
Optima Lite vs Medi Classic Gold
Optima Lite vs Optima Super Secure
Optima Lite vs Special Care
Optima Lite vs Medicare LITE
Optima Lite vs Health Shield 360
Optima Lite vs SecureHealth
Optima Lite vs Supreme (Direct)
Optima Lite vs Plus
Optima Lite vs Mediclaim Insurance Policy
Optima Lite vs Medicare Select
Optima Lite vs Health Gain
Optima Lite vs myHealth Koti Suraksha
Optima Lite vs Senior
Optima Lite vs myHealth Suraksha Silver
Optima Lite vs Cardiac Care Platinum
Optima Lite vs Royal Sundaram Lifeline Elite
Optima Lite vs Super Surplus Gold
Optima Lite vs Supreme Enhance One
Optima Lite vs Supreme Enhance Two
Optima Lite vs HeartBeat Platinum
Optima Lite vs HeartBeat Gold
Optima Lite vs Health SuperCharge
Optima Lite vs Aspire Titanium+
Optima Lite vs iHealth Plus
Optima Lite vs ProHealth Prime Advantage
Optima Lite vs Active Fit Preferred
Optima Lite vs Reassure 3.0 Classic
Optima Lite vs Senior Health Advantage
Optima Lite vs Health Wallet
Optima Lite vs Elevate
Optima Lite vs Heart
Optima Lite vs LifeTime Health
Optima Lite vs Reassure 2.0 Titanium+
Optima Lite vs ProHealth Prime Active
Optima Lite vs ProHealth Prime Senior Elite
Optima Lite vs Advanced Top Up
Optima Lite vs Multiplier Health
Optima Lite vs Diabetes Safe Plan A
Optima Lite vs Reassure 2.0 Bronze+
Optima Lite vs Enhance Super Top-up
Optima Lite vs Young Star Silver
Optima Lite vs Star Women Care Policy
Optima Lite vs Joy
Optima Lite vs Supreme Senior Health AdvantEdge
Optima Lite vs Family Plus
Optima Lite vs Criti Shield Plus
Optima Lite vs Health Care Supreme Ultimo
Optima Lite vs Health Shield 360 Retail
Optima Lite vs Super Star
Optima Lite vs Supreme Super Saver
Optima Lite vs Senior First Platinum
Optima Lite vs Optima Secure Global
Optima Lite vs NextGen
Optima Lite vs Health Insurance Platinum
Optima Lite vs Energy Silver With Copay
Supreme Value for Money vs Optima Secure
Supreme Value for Money vs Super Mediclaim
Supreme Value for Money vs Health Recharge
Supreme Value for Money vs Cancer Cover Activ Cancer Secure Plan
Supreme Value for Money vs Optima Secure Plus
Supreme Value for Money vs Women Care
Supreme Value for Money vs Aspire Diamond+
Supreme Value for Money vs Activate Booster Plan A
Supreme Value for Money vs Active Care Premier
Supreme Value for Money vs ProHealth Accumulate
Supreme Value for Money vs Health Super Saver Standard
Supreme Value for Money vs Supreme Shine
Supreme Value for Money vs Optima Secure Global Plus
Supreme Value for Money vs Health Cardiac Care Silver & Gold Plan
Supreme Value for Money vs myHealth Suraksha Gold
Supreme Value for Money vs LifeTime Health Global
Supreme Value for Money vs Active Fit Plus
Supreme Value for Money vs OneHealth Premium
Supreme Value for Money vs Activ Health Platinum Essential
Supreme Value for Money vs Medicare Plus
Supreme Value for Money vs Medicare Senior
Supreme Value for Money vs Enhance Super Top-up Two
Supreme Value for Money vs Medicare Protect
Supreme Value for Money vs Activ One SAVR
Supreme Value for Money vs Active Assure Diamond
Supreme Value for Money vs Activ One VIP
Supreme Value for Money vs Health Pulse Classic
Supreme Value for Money vs Advantage
Supreme Value for Money vs Special Care Gold
Supreme Value for Money vs Activ One Max
Supreme Value for Money vs Classic
Supreme Value for Money vs Activ One Vytl
Supreme Value for Money vs Supreme
Supreme Value for Money vs Freedom
Supreme Value for Money vs Sarvah Pratham
Supreme Value for Money vs Joy Today
Supreme Value for Money vs Medi Classic
Supreme Value for Money vs Activate Booster Plan B
Supreme Value for Money vs Aspire Gold+
Supreme Value for Money vs Aspire Platinum+
Supreme Value for Money vs Plus Complete
Supreme Value for Money vs Reassure 2.0 Platinum+
Supreme Value for Money vs Elder Care
Supreme Value for Money vs Reassure 3.0 Elite
Supreme Value for Money vs EquiCover
Supreme Value for Money vs Young Star Gold
Supreme Value for Money vs Enhance Super Top-up One
Supreme Value for Money vs Joy Tomorrow
Supreme Value for Money vs Activ One VIP+
Supreme Value for Money vs Reassure 3.0 Select
Supreme Value for Money vs Red Carpet Senior Citizens
Supreme Value for Money vs Medicare Premier
Supreme Value for Money vs Family Health Optima
Supreme Value for Money vs Health Companion Variant 2022
Supreme Value for Money vs Health Companion Variant 3
Supreme Value for Money vs Plus Youth
Supreme Value for Money vs Assure
Supreme Value for Money vs Health Premia Gold
Supreme Value for Money vs Health Premia Platinum
Supreme Value for Money vs Cancer Care Platinum
Supreme Value for Money vs Optima Lite
Supreme Value for Money vs ProHealth Prime Protect
Supreme Value for Money vs Comprehensive
Supreme Value for Money vs HeartBeat Enhanced
Supreme Value for Money vs Reassure
Supreme Value for Money vs Supreme Senior Premium
Supreme Value for Money vs Health Recharge Super Top Up Plan
Supreme Value for Money vs Reassure 3.0
Supreme Value for Money vs myHealth Suraksha Platinum
Supreme Value for Money vs Supreme Senior Super
Supreme Value for Money vs Supreme Enhance
Supreme Value for Money vs Reassure 2.0 Gold
Supreme Value for Money vs Medicare
Supreme Value for Money vs Ultimate (Direct)
Supreme Value for Money vs Young Star
Supreme Value for Money vs Sarvah Param
Supreme Value for Money vs Optima Insurance
Supreme Value for Money vs Smart Super Health Assure
Supreme Value for Money vs Reassure 3.0 Black
Supreme Value for Money vs Health Guard Platinum
Supreme Value for Money vs Health Guard Gold
Supreme Value for Money vs Elevate (Direct)
Supreme Value for Money vs Extra Care Plus Super Top-up
Supreme Value for Money vs Health Care Supreme Smart
Supreme Value for Money vs Smart Health Pro
Supreme Value for Money vs Medi Classic Gold
Supreme Value for Money vs Optima Super Secure
Supreme Value for Money vs Special Care
Supreme Value for Money vs Medicare LITE
Supreme Value for Money vs Health Shield 360
Supreme Value for Money vs SecureHealth
Supreme Value for Money vs Supreme (Direct)
Supreme Value for Money vs Plus
Supreme Value for Money vs Mediclaim Insurance Policy
Supreme Value for Money vs Medicare Select
Supreme Value for Money vs Health Gain
Supreme Value for Money vs myHealth Koti Suraksha
Supreme Value for Money vs Senior
Supreme Value for Money vs myHealth Suraksha Silver
Supreme Value for Money vs Cardiac Care Platinum
Supreme Value for Money vs Royal Sundaram Lifeline Elite
Supreme Value for Money vs Super Surplus Gold
Supreme Value for Money vs Supreme Enhance One
Supreme Value for Money vs Supreme Enhance Two
Supreme Value for Money vs HeartBeat Platinum
Supreme Value for Money vs HeartBeat Gold
Supreme Value for Money vs Health SuperCharge
Supreme Value for Money vs Aspire Titanium+
Supreme Value for Money vs iHealth Plus
Supreme Value for Money vs ProHealth Prime Advantage
Supreme Value for Money vs Active Fit Preferred
Supreme Value for Money vs Reassure 3.0 Classic
Supreme Value for Money vs Senior Health Advantage
Supreme Value for Money vs Health Wallet
Supreme Value for Money vs Elevate
Supreme Value for Money vs Heart
Supreme Value for Money vs LifeTime Health
Supreme Value for Money vs Reassure 2.0 Titanium+
Supreme Value for Money vs ProHealth Prime Active
Supreme Value for Money vs ProHealth Prime Senior Elite
Supreme Value for Money vs Advanced Top Up
Supreme Value for Money vs Multiplier Health
Supreme Value for Money vs Diabetes Safe Plan A
Supreme Value for Money vs Reassure 2.0 Bronze+
Supreme Value for Money vs Enhance Super Top-up
Supreme Value for Money vs Young Star Silver
Supreme Value for Money vs Star Women Care Policy
Supreme Value for Money vs Joy
Supreme Value for Money vs Supreme Senior Health AdvantEdge
Supreme Value for Money vs Family Plus
Supreme Value for Money vs Criti Shield Plus
Supreme Value for Money vs Health Care Supreme Ultimo
Supreme Value for Money vs Health Shield 360 Retail
Supreme Value for Money vs Super Star
Supreme Value for Money vs Supreme Super Saver
Supreme Value for Money vs Senior First Platinum
Supreme Value for Money vs Optima Secure Global
Supreme Value for Money vs NextGen
Supreme Value for Money vs Health Insurance Platinum
Supreme Value for Money vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

