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Insurance Plans Comparison

Care Supreme Shine vs Niva Bupa Health Companion Family First Plan

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

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Care

Supreme Shine

Comprehensive health insurance with unlimited recharge, wellness benefits and broad hospitalisation cover.

What Makes It Special:

Care Supreme Shine is a comprehensive health insurance plan covering hospitalisation, modern treatments, AYUSH care, domiciliary treatment, ambulance services, e-consultations, wellness benefits and unlimited automatic recharge.

Best For:

  • People who want unlimited e-consultations with general physicians

  • Customers wanting AYUSH and domiciliary treatment cover

  • People looking for wellness-linked renewal discounts

  • Customers wanting unlimited automatic recharge

  • Families looking for comprehensive health coverage

VS
Niva Bupa

Health Companion Family First Plan

Cover an extended family with a separate sum insured per person and a shared floater after that sum insured is used, and add 20% of each person's base sum insured each claim-free year up to 100%.

What Makes It Special:

Family First is a Health Companion variant. The prospectus describes an individual or family floater with a refill benefit, no-claim bonus, a 60-day pre and 180-day post-hospitalisation cover, and optional hospital cash and personal accident cover.

Best For:

  • Buyers who do not need maternity or OPD cover

  • Buyers who need hospitalisation, day care and AYUSH cover

  • Families with a parent covered alongside the insured

  • Buyers who want a no-claim bonus that builds to 100%

  • Families who want a floater with a refill benefit

Insurance Plans Comparison

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Quick Decision Guide

Care Supreme Shine

  • Check the waiting periods and optional benefits before buying the plan.

  • Wellness benefits can provide up to 30% renewal discount.

  • Unlimited e-consultations with general physicians are included.

  • The plan covers modern treatments, AYUSH treatment and domiciliary hospitalisation.

  • Consider this plan if you want unlimited automatic recharge during the policy year.

Niva Bupa Health Companion Family First Plan

  • Children are split off to their own policy after 26.

  • The 20% co-payment applies to higher room categories on Variant 2023, so choose your room carefully.

  • Refill applies once a year, so it is not unlimited cover.

  • Maternity is excluded, so choose another plan if you plan a pregnancy.

  • The 36-month PED wait applies, so buy early if anyone has an existing condition.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Shine
Supreme Shine

Health Insurance Plan

Brochure

Policy Wording

VS
Health Companion Family First Plan
Health Companion Family First Plan

Health Insurance Plan

Brochure

Room Rent

Supreme Shine

Single room covered up to the available Sum Insured

VS

Health Companion Family First Plan

  1. Normal: Covered up to sum insured
  2. ICU: Covered up to sum insured.
ICU Charges

Supreme Shine

Covered up to Sum Insured

VS

Health Companion Family First Plan

Covered up to the sum insured as part of in-patient care

Advanced Treatments

Supreme Shine

Information Unavailable

VS

Health Companion Family First Plan

  1. Robotic surgeries
  2. Stem cell therapy
  3. Oral chemotherapy
  4. Deep brain stimulation
  5. Bronchial thermoplasty
  6. Intraoperative neuro monitoring (IONM).
Co-payment

Supreme Shine

20% co-payment applies when the optional co-payment benefit is selected

VS

Health Companion Family First Plan

The policy does not mandate a co-payment, meaning the insurer covers the full admissible claim amount without requiring the insured to pay a portion.

Disease-wise sublimits

Supreme Shine

Specific disease-wise sub-limits are not mentioned in the available plan details

VS

Health Companion Family First Plan

No disease sublimit schedule in the prospectus. Sum insured limits apply to all covered treatment.

Cashless Healthcare Providers

Supreme Shine

Cashless treatment available through the insurer's network hospitals

VS

Health Companion Family First Plan

Access to over 10,000 network hospitals and clinics for cashless treatments, ensuring convenient and hassle-free medical care.

Restoration Benefit

Supreme Shine

Unlimited automatic recharge restores the base Sum Insured during the policy year

VS

Health Companion Family First Plan

Refill: restores up to the base sum insured once per policy year, for the same or a different illness, after the first paid claim

Cumulative Bonus

Supreme Shine

Cumulative Bonus up to 100% of Sum Insured

VS

Health Companion Family First Plan

No claim bonus of 20% of the expiring base sum insured for each claim-free year, up to 100% of the base sum insured. A claim does not reduce the bonus.

Daycare Treatment

Supreme Shine

All eligible daycare procedures are covered under the plan

VS

Health Companion Family First Plan

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

Consumable Cover

Supreme Shine

Consumables covered through optional Care Shield add-on

VS

Health Companion Family First Plan

Medicines and consumables prescribed during treatment are covered. Items in Annexure II, such as toiletries, gloves and diapers, are not.

AYUSH Treatment

Supreme Shine

Eligible AYUSH treatment expenses covered up to the available Sum Insured

VS

Health Companion Family First Plan

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 Shine

30-day waiting period, except for accident-related claims

VS

Health Companion Family First Plan

30 days, except accidents

Specific Waiting Period

Supreme Shine

24-month waiting period for specified ailments and procedures

VS

Health Companion Family First Plan

24 months for listed conditions

PED Waiting Period

Supreme Shine

36-month waiting period for pre-existing diseases, subject to policy terms

VS

Health Companion Family First Plan

36 months.

Modern Treatment

Supreme Shine

Covered up to Sum Insured


VS

Health Companion Family First Plan

Covered up to the sum insured. Includes robotic surgery, stereotactic radiosurgery, deep brain stimulation, oral chemotherapy and other listed treatments.

Annual Health Checkup

Supreme Shine

Annual health check-up available through the insurer's network on a cashless basis

VS

Health Companion Family First Plan

Once every policy year from day one, for defined tests. Up to ₹500 per ₹1 lakh of base sum insured. Individual: ₹5,000 maximum per insured. Floater: ₹10,000 per policy. Booked through the app, cashless only.

Pre-Hospitalisation

Supreme Shine

Pre-hospitalisation expenses covered for up to 60 days before hospitalisation

VS

Health Companion Family First Plan

60 days before admission, up to the sum insured

Post-Hospitalisation

Supreme Shine

Post-hospitalisation expenses covered for up to 180 days after discharge

VS

Health Companion Family First Plan

180 days after discharge, up to the sum insured

Outpatient Department Cover (OPD Expense)

Supreme Shine

Unlimited e-consultations included, with physical OPD available through optional rider

VS

Health Companion Family First Plan

Not covered. OPD treatment is an excluded expense.

Deductible Option

Supreme Shine

Optional deductible benefit available, subject to the policy schedule and applicable terms

VS

Health Companion Family First Plan

Annual aggregate deductible of ₹10,000, ₹20,000, ₹30,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹3 lakh, ₹4 lakh, ₹5 lakh or ₹10 lakh. Does not apply to health checks, animal bite or hospital cash.

Coverage Options

Supreme Shine

Sum Insured options from ₹5 lakh to ₹1 crore, including higher coverage choices

VS

Health Companion Family First Plan

Individual or floater, with optional hospital cash, personal accident and deductible

Claim Settlement Ratio

Supreme Shine

Claim Settlement Ratio is not mentioned in the available plan details

VS

Health Companion Family First Plan

Claim Settlement Ratio (CSR) of 93.3% as a three-year IRDAI weighted average, and 95.6% in recent quarterly company disclosures (Q1 FY 2026-27).

Maternity Cover

Supreme Shine

Maternity expenses are not listed as a base plan benefit

VS

Health Companion Family First Plan

Not covered. Maternity expenses are an excluded expense.

Insurance Plans Comparison

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What Our Experts Help You With

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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.

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