Oneassure

Partner with us

Insurance Plans Comparison

Care Supreme Senior Premium vs Liberty Health Connect Elite

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

Read more
Care

Supreme Senior Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus benefits.

What Makes It Special:

Care Supreme Senior Premium is designed for senior citizens aged 61 years and above, including customers managing multiple health conditions such as diabetes, hypertension or high BMI, subject to underwriting and eligibility requirements. It offers hospitalisation coverage up to the selected sum insured, unlimited automatic recharge for subsequent claims, cumulative...

Best For:

  • Buyers who value cumulative bonus growth and the possibility of renewal premium discounts through the wellness benefit.

  • Families seeking senior-focused coverage with individual or family floater options, subject to eligible relationships and member limits.

  • Customers looking for additional coverage through unlimited automatic recharge for multiple hospitalisation claims.

  • Older adults managing multiple co-morbidities, such as diabetes or hypertension, subject to underwriting and eligibility.

  • Senior citizens aged 61 years and above seeking health insurance with no upper adult entry-age limit.

VS
Liberty

Health Connect Elite

Maximum Coverage at Minimum Premium

What Makes It Special:

Secure Health Connect is a comprehensive health insurance plan offering hospitalisation coverage, cumulative bonus benefits, reload of Sum Insured, cashless treatment and flexible plan options.

Best For:

  • Policyholders looking for lifelong renewal options.

  • Families wanting cashless treatment across network hospitals.

  • Customers looking for cumulative bonus benefits.

  • Individuals seeking flexible Sum Insured options.

  • Families looking for comprehensive health insurance coverage.

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 Premium

  • Check the availability, cost and terms of optional benefits, including air ambulance, wellness, annual health check-ups and relevant add-ons. Renewal discounts depend on meeting the prescribed Healthy Days criteria.

  • Senior Premium has no specified treatment sub-limits in the plan comparison, unlike Senior Super. Confirm the final policy terms and any other applicable limits or exclusions.

  • The standard room category is the most economical single private AC room. Check whether the optional Room Rent Modification benefit is selected and what room eligibility it provides.

  • Pre-existing medical condition: The stated PED waiting period is 48 months. Disclose medical history accurately and confirm underwriting acceptance, exclusions and any applicable terms.

  • Co-payment on claims:tThe standard configuration has a 20% co-payment on all claims. Review the applicable option and its effect on out-of-pocket expenses before purchasing.

Liberty Health Connect Elite

  • Check the plan-specific room rent, co-payment and disease-wise sub-limits before buying.

  • Check the applicable waiting periods for pre-existing diseases and specified treatments.

  • Consider it if you want cumulative bonus benefits for claim-free years.

  • Consider it if you want a reload of Sum Insured from the first claim.

  • Consider the plan if you want flexible 1, 2 or 3-year policy terms.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Senior Premium
Supreme Senior Premium

Health Insurance Plan

Brochure

Policy Wording

VS
Health Connect Elite
Health Connect Elite

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Supreme Senior Premium

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

VS

Health Connect Elite

Subject to selected plan limits

ICU Charges

Supreme Senior Premium

No limit specified for ICU charges.

VS

Health Connect Elite

Covered as per selected plan

Co-payment

Supreme Senior Premium

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

VS

Health Connect Elite

Applicable as per selected plan

Disease-wise sublimits

Supreme Senior Premium

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

VS

Health Connect Elite

Applicable as per selected plan

Restoration Benefit

Supreme Senior Premium

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

VS

Health Connect Elite

Reload available from first claim

Cashless Healthcare Providers

Supreme Senior Premium

11000+ network hospitals

VS

Health Connect Elite

6,100+ network hospitals available

Daycare Treatment

Supreme Senior Premium

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

VS

Health Connect Elite

405 daycare procedures covered

Cumulative Bonus

Supreme Senior Premium

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

VS

Health Connect Elite

Up to 150% of Sum Insured

AYUSH Treatment

Supreme Senior Premium

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

VS

Health Connect Elite

Not specified in the brochure

Consumable Cover

Supreme Senior Premium

Not specified.

VS

Health Connect Elite

Not specified in the brochure

Initial Waiting Period

Supreme Senior Premium

30 days; accidental hospitalisation is exempt.

VS

Health Connect Elite

30 days from policy commencement

Specific Waiting Period

Supreme Senior Premium

24 months for named ailments.

VS

Health Connect Elite

2 years or 3 years

PED Waiting Period

Supreme Senior Premium

48 months.

VS

Health Connect Elite

3 years for pre-existing diseases

Modern Treatment

Supreme Senior Premium

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

VS

Health Connect Elite

Covered as per selected plan

Annual Health Checkup

Supreme Senior Premium

Available as an optional benefit; once a year for all insured members.

VS

Health Connect Elite

Available as per plan conditions

Pre-Hospitalisation

Supreme Senior Premium

60 days.

VS

Health Connect Elite

Up to 30 to 45 days

Post-Hospitalisation

Supreme Senior Premium

180 days.

VS

Health Connect Elite

Up to 45 to 60 days

Outpatient Department Cover (OPD Expense)

Supreme Senior Premium

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

VS

Health Connect Elite

Not covered under the policy

Deductible Option

Supreme Senior Premium

Not specified.

VS

Health Connect Elite

Not specified in the brochure

Coverage Options

Supreme Senior Premium

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

VS

Health Connect Elite

₹2 Lakh to ₹15 Lakh

Claim Settlement Ratio

Supreme Senior Premium

99.98% FY 2024-25

VS

Health Connect Elite

Not specified in the brochure

Maternity Cover

Supreme Senior Premium

Not available.

VS

Health Connect Elite

Not covered except ectopic pregnancy

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 Premium vs Energy Silver Without Copay

Supreme Senior Premium vs Ultimate

Supreme Senior Premium vs EquiCover

Supreme Senior Premium vs Optima Secure Global Plus

Supreme Senior Premium vs Optima Secure

Health Connect Elite vs Supreme Senior Premium

Health Connect Elite vs Energy Silver Without Copay

Health Connect Elite vs Ultimate

Health Connect Elite vs EquiCover

Health Connect Elite vs Optima Secure Global Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Supreme Senior Premium Vs Health Connect Elite

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.