Insurance Plans Comparison
Care Supreme Value for Money vs Niva Bupa Aspire Titanium+
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
Aspire Titanium+
Flexible health insurance with enhanced accumulation benefits and age-linked premium protection.
What Makes It Special:
Niva Bupa Aspire Titanium+ combines substantial carry-forward coverage through Booster+ with Lock the Clock+, which keeps premiums linked to entry age until a claim is paid. It also provides hospitalisation coverage and access to optional benefits, subject to policy terms.
Best For:
Buyers who want optional OPD, consumables or international treatment benefits where available.
People planning ahead for eligible maternity-related expenses.
Families looking for comprehensive hospitalisation coverage.
Individuals who want premiums linked to their entry age until a claim is paid.
People seeking high carry-forward coverage over multiple policy years.
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.
Review room eligibility, co-payment, deductible and optional add-ons before buying.
Compare the PED and specific-disease waiting periods applicable to your selected schedule.
Check the 9-month M-iracle waiting period and the benefit's limits before relying on maternity coverage.
Review the Lock the Clock+ conditions to understand when premiums may change.
Consider Titanium+ if maximising unused Sum Insured accumulation is a priority.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Value for Money Health Insurance Plan VS VS |
Aspire Titanium+ 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 |
Aspire Titanium+ All room categories are covered |
| 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 |
Aspire Titanium+ No restriction on ICU room rent |
| 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 |
Aspire Titanium+ Available as an option |
| 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 |
Aspire Titanium+ No |
| 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 |
Aspire Titanium+ 10,000+ Healthcare Providers |
| 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 |
Aspire Titanium+ 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 |
Aspire Titanium+ Unutilised sum insured can be carried forward up to 10X (entry age 18–35 yrs), 5X (entry age 36–45 yrs), and 3X (entry age 46+ yrs) |
| 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 |
Aspire Titanium+ Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| 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 |
Aspire Titanium+ No. However, available as an add-on |
| 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 |
Aspire Titanium+ Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| 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 |
Aspire Titanium+ 30 days |
| Specific Waiting Period |
|---|
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
VS VS |
Aspire Titanium+ 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 |
Aspire Titanium+ 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 |
Aspire Titanium+ 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 |
Aspire Titanium+ 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 |
Aspire Titanium+ 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 |
Aspire Titanium+ You get cover for medical bills up to 180 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 |
Aspire Titanium+ OPD expense is not included as part of base cover. However, you can opt for an add-on to avail this coverage |
| 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 |
Aspire Titanium+ Available as an option |
| 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 |
Aspire Titanium+ Available coverage options: 3L, 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 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 |
Aspire Titanium+ 92.02% |
| 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 |
Aspire Titanium+ 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?
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
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
Aspire Titanium+ vs Optima Secure
Aspire Titanium+ vs Super Mediclaim
Aspire Titanium+ vs Health Recharge
Aspire Titanium+ vs Cancer Cover Activ Cancer Secure Plan
Aspire Titanium+ vs Optima Secure Plus
Aspire Titanium+ vs Women Care
Aspire Titanium+ vs Aspire Diamond+
Aspire Titanium+ vs Activate Booster Plan A
Aspire Titanium+ vs Active Care Premier
Aspire Titanium+ vs ProHealth Accumulate
Aspire Titanium+ vs Health Super Saver Standard
Aspire Titanium+ vs Supreme Shine
Aspire Titanium+ vs Optima Secure Global Plus
Aspire Titanium+ vs Health Cardiac Care Silver & Gold Plan
Aspire Titanium+ vs myHealth Suraksha Gold
Aspire Titanium+ vs LifeTime Health Global
Aspire Titanium+ vs Active Fit Plus
Aspire Titanium+ vs OneHealth Premium
Aspire Titanium+ vs Activ Health Platinum Essential
Aspire Titanium+ vs Medicare Plus
Aspire Titanium+ vs Medicare Senior
Aspire Titanium+ vs Enhance Super Top-up Two
Aspire Titanium+ vs Medicare Protect
Aspire Titanium+ vs Activ One SAVR
Aspire Titanium+ vs Active Assure Diamond
Aspire Titanium+ vs Activ One VIP
Aspire Titanium+ vs Health Pulse Classic
Aspire Titanium+ vs Advantage
Aspire Titanium+ vs Special Care Gold
Aspire Titanium+ vs Activ One Max
Aspire Titanium+ vs Classic
Aspire Titanium+ vs Activ One Vytl
Aspire Titanium+ vs Supreme
Aspire Titanium+ vs Freedom
Aspire Titanium+ vs Sarvah Pratham
Aspire Titanium+ vs Joy Today
Aspire Titanium+ vs Medi Classic
Aspire Titanium+ vs Activate Booster Plan B
Aspire Titanium+ vs Aspire Gold+
Aspire Titanium+ vs Aspire Platinum+
Aspire Titanium+ vs Plus Complete
Aspire Titanium+ vs Reassure 2.0 Platinum+
Aspire Titanium+ vs Elder Care
Aspire Titanium+ vs Reassure 3.0 Elite
Aspire Titanium+ vs EquiCover
Aspire Titanium+ vs Young Star Gold
Aspire Titanium+ vs Enhance Super Top-up One
Aspire Titanium+ vs Joy Tomorrow
Aspire Titanium+ vs Activ One VIP+
Aspire Titanium+ vs Reassure 3.0 Select
Aspire Titanium+ vs Red Carpet Senior Citizens
Aspire Titanium+ vs Medicare Premier
Aspire Titanium+ vs Family Health Optima
Aspire Titanium+ vs Health Companion Variant 2022
Aspire Titanium+ vs Health Companion Variant 3
Aspire Titanium+ vs Plus Youth
Aspire Titanium+ vs Assure
Aspire Titanium+ vs Health Premia Gold
Aspire Titanium+ vs Health Premia Platinum
Aspire Titanium+ vs Cancer Care Platinum
Aspire Titanium+ vs Optima Lite
Aspire Titanium+ vs ProHealth Prime Protect
Aspire Titanium+ vs Comprehensive
Aspire Titanium+ vs HeartBeat Enhanced
Aspire Titanium+ vs Reassure
Aspire Titanium+ vs Supreme Senior Premium
Aspire Titanium+ vs Health Recharge Super Top Up Plan
Aspire Titanium+ vs Reassure 3.0
Aspire Titanium+ vs myHealth Suraksha Platinum
Aspire Titanium+ vs Supreme Value for Money
Aspire Titanium+ vs Supreme Senior Super
Aspire Titanium+ vs Supreme Enhance
Aspire Titanium+ vs Reassure 2.0 Gold
Aspire Titanium+ vs Medicare
Aspire Titanium+ vs Ultimate (Direct)
Aspire Titanium+ vs Young Star
Aspire Titanium+ vs Sarvah Param
Aspire Titanium+ vs Optima Insurance
Aspire Titanium+ vs Smart Super Health Assure
Aspire Titanium+ vs Reassure 3.0 Black
Aspire Titanium+ vs Health Guard Platinum
Aspire Titanium+ vs Health Guard Gold
Aspire Titanium+ vs Elevate (Direct)
Aspire Titanium+ vs Extra Care Plus Super Top-up
Aspire Titanium+ vs Health Care Supreme Smart
Aspire Titanium+ vs Smart Health Pro
Aspire Titanium+ vs Medi Classic Gold
Aspire Titanium+ vs Optima Super Secure
Aspire Titanium+ vs Special Care
Aspire Titanium+ vs Medicare LITE
Aspire Titanium+ vs Health Shield 360
Aspire Titanium+ vs SecureHealth
Aspire Titanium+ vs Supreme (Direct)
Aspire Titanium+ vs Plus
Aspire Titanium+ vs Mediclaim Insurance Policy
Aspire Titanium+ vs Medicare Select
Aspire Titanium+ vs Health Gain
Aspire Titanium+ vs myHealth Koti Suraksha
Aspire Titanium+ vs Senior
Aspire Titanium+ vs myHealth Suraksha Silver
Aspire Titanium+ vs Cardiac Care Platinum
Aspire Titanium+ vs Royal Sundaram Lifeline Elite
Aspire Titanium+ vs Super Surplus Gold
Aspire Titanium+ vs Supreme Enhance One
Aspire Titanium+ vs Supreme Enhance Two
Aspire Titanium+ vs HeartBeat Platinum
Aspire Titanium+ vs HeartBeat Gold
Aspire Titanium+ vs Health SuperCharge
Aspire Titanium+ vs iHealth Plus
Aspire Titanium+ vs ProHealth Prime Advantage
Aspire Titanium+ vs Active Fit Preferred
Aspire Titanium+ vs Reassure 3.0 Classic
Aspire Titanium+ vs Senior Health Advantage
Aspire Titanium+ vs Health Wallet
Aspire Titanium+ vs Elevate
Aspire Titanium+ vs Heart
Aspire Titanium+ vs LifeTime Health
Aspire Titanium+ vs Reassure 2.0 Titanium+
Aspire Titanium+ vs ProHealth Prime Active
Aspire Titanium+ vs ProHealth Prime Senior Elite
Aspire Titanium+ vs Advanced Top Up
Aspire Titanium+ vs Multiplier Health
Aspire Titanium+ vs Diabetes Safe Plan A
Aspire Titanium+ vs Reassure 2.0 Bronze+
Aspire Titanium+ vs Enhance Super Top-up
Aspire Titanium+ vs Young Star Silver
Aspire Titanium+ vs Star Women Care Policy
Aspire Titanium+ vs Joy
Aspire Titanium+ vs Supreme Senior Health AdvantEdge
Aspire Titanium+ vs Family Plus
Aspire Titanium+ vs Criti Shield Plus
Aspire Titanium+ vs Health Care Supreme Ultimo
Aspire Titanium+ vs Health Shield 360 Retail
Aspire Titanium+ vs Super Star
Aspire Titanium+ vs Supreme Super Saver
Aspire Titanium+ vs Senior First Platinum
Aspire Titanium+ vs Optima Secure Global
Aspire Titanium+ vs NextGen
Aspire Titanium+ vs Health Insurance Platinum
Aspire Titanium+ vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

