Insurance Plans Comparison
Care Supreme Value for Money vs Star Super Surplus Gold
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
Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
Insurance Plans Comparison
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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.
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Supreme Value for Money Health Insurance Plan VS VS |
![]() Super Surplus Gold 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 |
Super Surplus Gold Single Private A/C Room |
| 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 |
Super Surplus Gold Covered as part of hospitalisation |
| 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 |
Super Surplus Gold Not specified as a standard 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 |
Super Surplus Gold Specific limits and defined limits apply |
| 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 |
Super Surplus Gold Cashless treatment through network hospitals |
| 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 |
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
| 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 |
Super Surplus Gold Not specified |
| 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 |
Super Surplus Gold All daycare procedures covered |
| Consumable Cover |
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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 |
Super Surplus Gold Not specified |
| 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 |
Super Surplus Gold Covered up to Sum Insured |
| 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 |
Super Surplus Gold 30 Days, subject to policy terms |
| Specific Waiting Period |
|---|
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
VS VS |
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
| 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 |
Super Surplus Gold 12 Months for Gold Plan PEDs |
| 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 |
Super Surplus Gold Covered subject to applicable limits |
| 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 |
Super Surplus Gold Not specified |
| 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 |
Super Surplus Gold Up to 60 Days |
| 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 |
Super Surplus Gold Up to 90 Days |
| 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 |
Super Surplus Gold Not a standard OPD benefit |
| 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 |
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
| 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 |
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
| 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 |
Super Surplus Gold Not specified |
| 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 |
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
Insurance Plans Comparison
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