Insurance Plans Comparison
Star Special Care Gold vs Care Supreme Value for Money
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSpecial Care Gold
Special Care Gold
What Makes It Special:
Special Care Gold is designed for persons with disabilities and individuals with HIV/AIDS. The product provides individual indemnity and benefit coverage, with defined eligibility requirements, hospitalisation cover, daycare treatment, AYUSH treatment, modern treatment coverage and a 20% co-payment that can be waived through an optional benefit.
Best For:
Customers who need defined coverage with optional co-payment waiver
Customers looking for AYUSH hospitalisation coverage
Families seeking specialised health insurance for eligible members
Eligible individuals living with HIV/AIDS
Eligible persons with disabilities
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
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Quick Decision Guide
No pre-policy medical test is required, subject to submission requirements.
A co-payment waiver is available for additional premium.
AYUSH inpatient treatment is covered up to 100% of Sum Insured.
Sum Insured options of ₹4 Lakh and ₹5 Lakh are available.
The product is specifically structured for disability and HIV/AIDS-related eligibility.
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
![]() Special Care Gold Health Insurance Plan VS VS |
Supreme Value for Money Health Insurance Plan |
| Room Rent |
|---|
Special Care Gold Up to 1% of 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. |
| ICU Charges |
|---|
Special Care Gold Up to 2% of Sum Insured per day |
VS VS |
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
| Disease-wise sublimits |
|---|
Special Care Gold Specified treatment limits apply |
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. |
| Co-payment |
|---|
Special Care Gold 20% on all claims; waiver available for additional premium |
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. |
| Restoration Benefit |
|---|
Special Care Gold Not specified |
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. |
| Cashless Healthcare Providers |
|---|
Special Care Gold Cashless treatment available at network hospitals |
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. |
| Cumulative Bonus |
|---|
Special Care Gold Not specified |
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. |
| Daycare Treatment |
|---|
Special Care Gold All daycare procedures covered |
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. |
| Consumable Cover |
|---|
Special Care Gold Not specified |
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. |
| AYUSH Treatment |
|---|
Special Care Gold Covered up to 100% of 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. |
| Initial Waiting Period |
|---|
Special Care Gold 30 Days for indemnity basis; 90 Days for HIV/AIDS benefit basis |
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 |
|---|
Special Care Gold 24 Months |
VS VS |
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
| PED Waiting Period |
|---|
Special Care Gold 36 Months for PEDs other than specified disability and HIV/AIDS; 24 Months for pre-existing disability |
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 |
|---|
Special Care Gold Covered up to 50% of Sum Insured for listed modern treatments |
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 |
|---|
Special Care Gold Not specified |
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 |
|---|
Special Care Gold Up to 30 Days |
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 |
|---|
Special Care Gold Up to 60 Days |
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) |
|---|
Special Care Gold Not a standard OPD benefit |
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 |
|---|
Special Care Gold Not specified |
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 |
|---|
Special Care Gold ₹4 Lakh and ₹5 Lakh, individual basis |
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 |
|---|
Special Care Gold Not specified |
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 |
|---|
Special Care Gold Not specified as a standard maternity benefit |
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
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