Oneassure

Partner with us

Insurance Plans Comparison

Care Supreme (Direct) vs ICICI Lombard Health Elite

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Care

Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

What Makes It Special:

Online-purchase variant of Care Supreme with an online platform discount. Includes unlimited recharge, no separate room-rent or ICU limit, AYUSH and domiciliary hospitalisation up to SI, and cumulative bonus benefits.

Best For:

  • Online buyers who want to access the available online platform discount while retaining Care Supreme's core benefits.

  • Applicants looking for a policy with no separate room-rent or ICU-charge limit.

  • People who want unlimited recharge for eligible same or different illnesses.

  • Individuals and families seeking comprehensive hospitalisation coverage.

  • Customers who prefer purchasing health insurance online.

VS
ICICI Lombard

Health Elite

Include maternity after 3 years and outpatient treatment, pay hospital daily cash for a stay of at least 3 days, and add a 10% cumulative bonus each claim-free year, up to 50% of the sum insured.

What Makes It Special:

ICICI Lombard Health Elite is a comprehensive health insurance option with benefits that may include in-patient treatment, daycare procedures, pre- and post-hospitalisation expenses, outpatient treatment and maternity cover, depending on the applicable policy version and selected configuration.

Best For:

  • Buyers comparing sum insured options, reset benefits, waiting periods and policy-specific restrictions before choosing a plan.

  • Families evaluating maternity and newborn-related benefits, subject to eligibility and waiting periods.

  • Individuals who want to compare available outpatient treatment benefits and their applicable limits.

  • Buyers looking for a policy with additional healthcare benefits beyond basic hospitalisation cover.

  • Individuals seeking health insurance for eligible hospitalisation and daycare expenses.

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

Care Supreme (Direct)

  • Review optional benefits: Deductibles, co-payment, Smart Select, Cumulative Bonus Super, annual health check-ups and wellness benefits may change the premium or how claims are paid.

  • Check waiting periods: The standard brochure lists 30 days for illnesses, 24 months for named ailments and 48 months for pre-existing diseases.

  • Understand the bonus structure: The base Cumulative Bonus can reach 100% of SI. Optional Cumulative Bonus Super can increase the additional bonus further, subject to its conditions.

  • Choose the right Sum Insured: Compare the available individual and floater options against your expected healthcare expenses.

  • Consider online purchase: Care Supreme Direct is intended for online purchase and offers an online platform discount. Confirm the final premium and discount displayed during purchase.

ICICI Lombard Health Elite

  • Match the policy UIN and schedule to the exact Health Elite version being offered, because benefits may differ between versions.

  • Confirm whether outpatient treatment, maternity and newborn benefits are included in your chosen configuration and check their limits.

  • Review waiting periods for pre-existing diseases, specified treatments and maternity benefits before relying on the policy.

  • Check room eligibility, hospitalisation limits and exclusions to understand the expenses the policy may leave you paying.

  • Choose a sum insured that reflects potential hospitalisation expenses and the number of people covered.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme (Direct)
Supreme (Direct)

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme (Direct)

Full coverage for ICU and normal room charges up to SI.

VS

Health Elite

Information Unavailable

ICU Charges

Supreme (Direct)

Full coverage for ICU expenses and normal room charges up to sum insured.

VS

Health Elite

Covered under eligible in-patient hospitalisation, subject to the applicable sum insured and policy conditions.

Advanced Treatments

Supreme (Direct)

Information Unavailable

VS

Health Elite

  1. Stem Cell Therapy
  2. Robotic Surgeries
  3. Oral Chemotherapy
  4. Deep Brain Stimulation
  5. Bronchial Thermoplasty
  6. Intra Operative Neuro Monitoring (IONM)
Co-payment

Supreme (Direct)

No mandatory co-payment; optional voluntary co-payment available.

VS

Health Elite

Policyholders can opt for a co-payment of 10% or 20%, sharing a fixed percentage of the claim amount, which can help reduce premium costs.

Disease-wise sublimits

Supreme (Direct)

No disease-wise sub-limits.

VS

Health Elite

Specific limits depend on the applicable policy wording, sum insured and benefit configuration. A complete variant-specific list has not been verified.

Cashless Healthcare Providers

Supreme (Direct)

5,000+ network hospitals across India.

VS

Health Elite

Access to over 6,700 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Supreme (Direct)

Unlimited restoration benefit available.

VS

Health Elite

Published Health Elite materials list an unlimited reset benefit. The precise trigger, eligible claims and conditions must be confirmed against the applicable policy wording.

Cumulative Bonus

Supreme (Direct)

Provided annually on no-claim basis (specific % varies by year).

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

Daycare Treatment

Supreme (Direct)

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

VS

Health Elite

Covers medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy, accommodating treatments that don't necessitate extended hospital stays.

Consumable Cover

Supreme (Direct)

Included as part of hospitalisation expenses.

VS

Health Elite

Published Health Elite materials list Additional Sum Insured and a Super No Claim Bonus option. The applicable benefit percentage and conditions are not verified for this variant.

AYUSH Treatment

Supreme (Direct)

Covered on cashless basis at network facilities.

VS

Health Elite

Expenses for alternative treatments, including Ayurveda, Yoga, Unani, Siddha, and Homeopathy, are covered when availed at government-recognized institutions, promoting holistic healthcare options.

Initial Waiting Period

Supreme (Direct)

30 days (except accidents).

VS

Health Elite

The insurer's general health insurance information states 30 days for illness-related hospitalisation, except accidents. Confirm the exact Health Elite policy terms.

Specific Waiting Period

Supreme (Direct)

2 years for specified ailments.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

PED Waiting Period

Supreme (Direct)

3 years for pre-existing diseases.

VS

Health Elite

The exact waiting period for specified diseases and procedures is not verified for this variant.

Modern Treatment

Supreme (Direct)

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

VS

Health Elite

Listed as a covered category in the older Complete Health Insurance policy information, subject to the applicable policy terms and limits.

Annual Health Checkup

Supreme (Direct)

Available on cashless basis.

VS

Health Elite

Health check-up is listed in published Health Elite materials. Eligibility, frequency and monetary limits are not verified for this exact variant.

Pre-Hospitalisation

Supreme (Direct)

Pre-existing diseases covered after 3 years waiting period.

VS

Health Elite

Up to 30 days according to the published Health Elite product comparison, subject to policy terms.

Post-Hospitalisation

Supreme (Direct)

Covered as part of related hospitalisation medical expenses.

VS

Health Elite

Up to 60 days according to the published Health Elite product comparison, subject to policy terms.

Outpatient Department Cover (OPD Expense)

Supreme (Direct)

Not available in base plan, present as an add on.

VS

Health Elite

Outpatient Treatment Cover is listed in published Health Elite materials. The limit depends on the applicable sum insured and policy configuration.

Deductible Option

Supreme (Direct)

Optional feature available.

VS

Health Elite

A voluntary deductible may be available under applicable ICICI Lombard health products, but its availability for this Health Elite variant is not verified.

Coverage Options

Supreme (Direct)

Multiple SI options available (varies by plan).

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Supreme (Direct)

80%

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Supreme (Direct)

Availability to be confirmed from policy document.

VS

Health Elite

Published materials list multiple sum insured options, including ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh, ₹25 lakh and ₹50 lakh. Availability varies by policy version.

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?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

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

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

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

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.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Supreme (Direct) vs Supreme Senior Premium

Supreme (Direct) vs Energy Silver Without Copay

Supreme (Direct) vs Ultimate

Supreme (Direct) vs EquiCover

Supreme (Direct) vs Optima Secure Global Plus

Health Elite vs Supreme Senior Premium

Health Elite vs Energy Silver Without Copay

Health Elite vs Ultimate

Health Elite vs EquiCover

Health Elite vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Supreme (direct) Vs Health Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.