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Insurance Plans Comparison

Care Supreme Value for Money vs Star Family Health Optima

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

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Care

Supreme 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
Star

Family Health Optima

Family Floater Health Insurance with Hospitalisation Benefits

What Makes It Special:

Family Health Insurance

Best For:

  • Customers comparing restoration and loyalty bonus benefits.

  • Families wanting eligible AYUSH treatment and preventive health check-ups.

  • Customers seeking pre- and post-hospitalisation benefits.

  • Families looking for hospitalisation and daycare coverage.

  • Families seeking health insurance under a single floater Sum Insured.

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

  • 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.

  • Check the policy limits for specific treatments and benefits.

  • Review pre- and post-hospitalisation coverage.

  • Check the restoration and loyalty bonus conditions.

  • Understand the 24-month specific disease waiting period and 36-month pre-existing disease waiting period.

  • Review the 30-day initial waiting period.

  • Check the shared accommodation benefit and applicable limits.

  • Review the 20% co-payment applicable to insured persons aged 61 and above at entry.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Supreme Value for Money
Supreme Value for Money

Health Insurance Plan

VS
Family Health Optima
Family Health Optima

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

Family Health Optima

  1. Shared accommodation is covered within the applicable policy limits.
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

Family Health Optima

Covered as part of eligible hospitalisation expenses, subject to policy terms.

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

Family Health Optima

20% of each claim for insured persons whose age at entry is 61 years or above.

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

Family Health Optima

Sublimits apply to specified benefits and treatments, subject to policy terms.

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

Family Health Optima

Cashless treatment is available at eligible network hospitals, subject to authorisation and policy conditions.

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

Family Health Optima

100% of the Sum Insured is restored up to three times in a policy year, subject to policy conditions.

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

Family Health Optima

Loyalty Bonus is available for eligible Sum Insured options, subject to renewal conditions and policy limits.

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

Family Health Optima

Eligible daycare procedures are covered, subject to policy terms.

Consumable Cover

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

Family Health Optima

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

Family Health Optima

Eligible inpatient Ayurveda, Unani, Siddha and Homeopathy treatment is covered up to the Sum Insured, subject to policy terms.

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

Family Health Optima

  1. 30 days, except for accidents.
Specific Waiting Period

Supreme Value for Money

24 months for listed illnesses and procedures, subject to the applicable policy conditions.

VS

Family Health Optima

24 months for 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

Family Health Optima

36 months for pre-existing diseases.

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

Family Health Optima

  1. Specified modern treatments are covered, subject to policy 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

Family Health Optima

Preventive health check-up at network providers, according to the applicable Sum Insured and package.

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

Family Health Optima

Covered for up to 60 days before hospital admission.

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

Family Health Optima

Covered for up to 90 days after discharge.

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

Family Health Optima

Not specified.

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

Family Health Optima

Not specified.

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

Family Health Optima

Family Floater.

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

Family Health Optima

Insurer-level metric, not a policy benefit.

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

Family Health Optima

Not specified.

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?

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

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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.

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Supreme Value For Money Vs Family Health Optima

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