Oneassure

Partner with us

Insurance Plans Comparison

Care Supreme Senior Super 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 Senior Super

Senior citizen health insurance with automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Super is designed for senior citizens aged 61 years and above, with individual and family floater options and multiple sum insured choices. It covers eligible hospitalisation, daycare, AYUSH treatment and specified pre- and post-hospitalisation expenses, along with unlimited automatic recharge and cumulative bonus benefits. The plan has...

Best For:

  • Customers who want access to optional wellness, health check-up or additional care benefits, subject to applicable terms.

  • Families looking to cover eligible senior members through individual or family floater options.

  • Buyers seeking cumulative bonus growth of up to 100% of the sum insured.

  • Older adults looking for coverage with unlimited automatic recharge for multiple hospitalisation claims.

  • Senior citizens aged 61 years and above seeking health insurance with lifelong adult renewability.

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 Senior Super

  • Optional benefits: Check the additional cost, eligibility and conditions for wellness, air ambulance, annual health check-ups and add-on benefits.

  • Treatment sub-limits: Compare the limits for cataract, knee replacement and other specified treatments with your anticipated coverage needs.

  • Room eligibility: Review the most economical single private AC room restriction and the terms of any optional room-rent modification.

  • Waiting periods: Check the 48-month PED waiting period and 24-month specified ailment waiting period against your medical history.

  • Co-payment: Account for the standard 20% co-payment when estimating potential out-of-pocket expenses.

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 Senior Super
Supreme Senior Super

Health Insurance Plan

Brochure

Policy Wording

VS
Health Elite
Health Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Senior Super

Most economical single private AC room; optional Room Rent Modification may change eligibility.

VS

Health Elite

Information Unavailable

ICU Charges

Supreme Senior Super

No limit specified.

VS

Health Elite

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

Advanced Treatments

Supreme Senior Super

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 Senior Super

20% applies to all claims under the stated standard configuration; an optional co-payment benefit is also referenced.

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 Senior Super

Applicable to specified treatments. Limits vary by sum insured and apply per policy year, including pre- and post-hospitalisation expenses.

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 Senior Super

11000+

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 Senior Super

Unlimited automatic recharge for subsequent claims involving the same or different illnesses, subject to policy terms.

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 Senior Super

50% of the sum insured on renewal, capped at 100% of the sum insured. Not affected by claims.

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 Senior Super

Covered up to the sum insured, subject to policy terms.

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 Senior Super

Not specified.

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 Senior Super

Covered up to the sum insured, subject to policy terms.

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 Senior Super

30 days, except accidental hospitalisation.

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 Senior Super

24 months for named ailments.

VS

Health Elite

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

PED Waiting Period

Supreme Senior Super

48 months

VS

Health Elite

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

Modern Treatment

Supreme Senior Super

Covered up to the sum insured, subject to policy terms.

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 Senior Super

Optional benefit; once a year for all insured members.

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 Senior Super

60 days.

VS

Health Elite

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

Post-Hospitalisation

Supreme Senior Super

180 days.

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 Senior Super

Available through the optional Care OPD add-on, subject to limits and co-payments.

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 Senior Super

Not specified.

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 Senior Super

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.

VS

Health Elite

Information Unavailable

Claim Settlement Ratio

Supreme Senior Super

99.98% FY 2024-25

VS

Health Elite

FY 24-25: ~84%

Maternity Cover

Supreme Senior Super

Not specified.

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 Senior Super vs Supreme Senior Premium

Supreme Senior Super vs Energy Silver Without Copay

Supreme Senior Super vs Ultimate

Supreme Senior Super vs EquiCover

Supreme Senior Super 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 Senior Super Vs Health Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.