Insurance Plans Comparison
Care Super Mediclaim vs Star Assure
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreSuper Mediclaim
Care Super Mediclaim offers health insurance options focused on specified critical illnesses, cancer, heart conditions and surgical procedures, subject to the selected variant and policy terms.
What Makes It Special:
Care Super Mediclaim is a health insurance product with four specialised variants: Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim and Operation Mediclaim. Each variant is designed around defined medical conditions or procedures and may include hospitalisation, daycare, pre- and post-hospitalisation and other eligible benefits.
Best For:
Customers comparing specialised health coverage options alongside their existing health insurance.
Individuals seeking insurance for defined surgical procedures.
People looking for cover for specified heart-related conditions.
Customers seeking financial protection for eligible cancer treatment.
Individuals looking for cover focused on specified critical illnesses.
VS
Assure
Star Health Assure Insurance Policy
What Makes It Special:
Star Health Assure is a flexible, high-limit health insurance plan designed for individuals and families, with coverage options from ₹5 lakh up to ₹2 crore. The plan offers cashless hospitalization across a wide network, daily hospital cash benefits, and no room rent restrictions on standard rooms. It features lifetime renewability,...
Best For:
Health-conscious buyers who can earn up to 20% wellness discount on renewal
People who want room choice without a cap from ₹10 Lakh Sum Insured
Young couples planning a family who want delivery, newborn, assisted reproduction and in-utero surgery cover
Unlimited restoration option plan
Premium floater family health plan
Flexible high-sum insured protection
Flexible options for payment of premium
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
Assess your overall coverage: Consider whether specialised cover complements your existing health insurance and financial needs.
Compare limits and exclusions: Review room eligibility, co-payments, deductibles and variant-specific restrictions.
Understand waiting periods: Initial, specified-illness and pre-existing disease waiting periods can affect when benefits become available.
Review the covered conditions: Check whether the treatment or diagnosis you want protection for is included.
Choose the right variant: Each option covers a different set of illnesses, conditions or procedures.
Things to Consider: Premium varies by zone, and members entering above 65 can get a maximum of ₹50 Lakh cover.
Things to Consider: Maternity is limited to 10% of Sum Insured, has a 24-month wait and requires both spouses to be covered.
Things to Consider: PED waiting period is 36 months, or 30 months only with a 3-year policy.
Things to Consider: Room rent is capped at 1% of Sum Insured per day for ₹5 Lakh and ₹7.5 Lakh covers.
Things to Consider: 10% co-payment applies for anyone who joins at age 61 or older.
Reasons to Consider: Consumables, air ambulance up to 10% of Sum Insured, home care and domiciliary treatment are covered.
Reasons to Consider: Pre- and post-hospitalisation cover of 60 and 180 days.
Reasons to Consider: Cumulative Bonus grows by 25% of Sum Insured for each claim-free year, up to 100%.
You want maternity and newborn coverage included
You want no room rent capping for standard rooms
You value unlimited restoration of sum insured
You want coverage up to ₹2 crore for family
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Mediclaim Health Insurance Plan VS VS |
![]() Assure Health Insurance Plan |
| Room Rent |
|---|
Super Mediclaim Room eligibility depends on the sum insured and applicable variant. The official overview lists a single private room for certain sum insured levels and all room categories for higher eligible sum insured levels. Check the current policy schedule for the precise entitlement. |
VS VS |
Assure Capped at up to 1% of Sum Insured per day for a ₹5 Lakh cover. For ₹10 Lakh to ₹25 Lakh cover: Any room allowed except suites. For ₹50 Lakh to ₹2 Crore cover: Any room category with zero restrictions (Suites included). Proportionate deduction applies if an higher room tier is chosen. |
| ICU Charges |
|---|
Super Mediclaim ICU expenses are covered subject to the sum insured and applicable policy terms. The official product overview lists ICU charges without a separate limit for the displayed variants. |
VS VS |
Assure No restriction on ICU room rent |
| Co-payment |
|---|
Super Mediclaim A co-payment option may be available, and the applicable percentage depends on the policy selected. Check the current policy schedule for any mandatory or optional co-payment. |
VS VS |
Assure 0% for entries up to age 60. A mandatory 10% co-payment applies to each and every claim if the insured person's age at entry is 61 years or older. |
| Disease-wise sublimits |
|---|
Super Mediclaim Variant-specific conditions, procedures and benefits may have limits. Critical Mediclaim covers specified critical illnesses, Cancer Mediclaim covers eligible cancer-related treatment, Heart Mediclaim covers specified heart conditions, and Operation Mediclaim covers defined surgical procedures. |
VS VS |
Assure No |
| Cashless Healthcare Providers |
|---|
Super Mediclaim Cashless treatment is available at eligible network hospitals, subject to network status, pre-authorisation and policy conditions. The network may change over time. |
VS VS |
Assure 14000+ Healthcare Providers |
| Restoration Benefit |
|---|
Super Mediclaim Automatic recharge may be available as an optional benefit under applicable product versions. It should not be described as a standard or unlimited benefit unless confirmed in the current policy schedule. |
VS VS |
Assure Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses |
| Cumulative Bonus |
|---|
Super Mediclaim No-claim bonus can increase the sum insured by up to 100% over three consecutive claim-free policy years, subject to the applicable variant’s bonus schedule and claim conditions. |
VS VS |
Assure 25% of the Sum Insured for each claim-free year, up to a maximum of 100%. |
| Daycare Treatment |
|---|
Super Mediclaim Eligible daycare procedures are covered up to the applicable sum insured, subject to the variant’s covered-procedure list and policy terms. |
VS VS |
Assure Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured |
| Consumable Cover |
|---|
Super Mediclaim Separate comprehensive coverage for non-medical consumables is not established as a standard benefit in the reviewed product overview. Eligible hospital expenses remain subject to policy terms. |
VS VS |
Assure Yes |
| AYUSH Treatment |
|---|
Super Mediclaim Eligible AYUSH treatment is covered under applicable variants and policy conditions. The historical brochure identifies variant-specific restrictions, including limits for certain treatments. |
VS VS |
Assure Covers AYUSH treatment expenses up to your annual sum insured during the policy period |
| Initial Waiting Period |
|---|
Super Mediclaim Generally 30 days for illnesses from policy inception, except eligible claims arising from accidents, subject to policy terms. |
VS VS |
Assure 30 days. |
| Specific Waiting Period |
|---|
Super Mediclaim A 24-month waiting period applies to specified illnesses or procedures where listed in the applicable policy wording. The applicable list depends on the variant. |
VS VS |
Assure 2 years |
| PED Waiting Period |
|---|
Super Mediclaim The historical product information lists a 36-month waiting period for pre-existing diseases. Any available reduction option and the applicable current waiting period must be checked against the selected policy version. |
VS VS |
Assure 36 months (3 years) for 1 and 2-year policy terms; reduced to 30 months if a 3-year policy term is chosen up front. |
| Modern Treatment |
|---|
Super Mediclaim Coverage depends on the selected variant and applicable policy terms. Refer to the current variant wording for the eligible advanced procedures and limits. |
VS VS |
Assure Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period |
| Annual Health Checkup |
|---|
Super Mediclaim Annual health check-ups are available from the second policy year after continuous coverage, subject to the applicable policy conditions. |
VS VS |
Assure Health check-up is available once every policy year, from day 1 of the policy |
| Pre-Hospitalisation |
|---|
Super Mediclaim Eligible medical expenses incurred during the 30 days immediately before hospitalisation are covered, subject to policy terms. |
VS VS |
Assure You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved |
| Post-Hospitalisation |
|---|
Super Mediclaim Eligible post-hospitalisation medical expenses are covered for up to 60 days after discharge, subject to the policy terms and claim admissibility. |
VS VS |
Assure You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Mediclaim OPD benefits may be available for eligible covered conditions under the applicable variant and policy limits. Under the historical product information, OPD expenses are linked to an admissible hospitalisation claim for the same illness. |
VS VS |
Assure Not included for general consultations or regular pharmacies. Outpatient benefits are available exclusively for Chronic Severe Refractory Asthma up to specified policy sub-limits. |
| Deductible Option |
|---|
Super Mediclaim A deductible option may be available to reduce the premium. Availability, deductible amount and application conditions depend on the selected variant and policy schedule. |
VS VS |
Assure Available as an option |
| Coverage Options |
|---|
Super Mediclaim Available variants include Critical Mediclaim for specified critical illnesses, Cancer Mediclaim for cancer, Heart Mediclaim for specified heart-related conditions and Operation Mediclaim for defined surgical procedures. |
VS VS |
Assure Available coverage options: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr, ₹2 Cr |
| Claim Settlement Ratio |
|---|
Super Mediclaim Use Care Health Insurance’s insurer-level claim settlement ratio for the relevant financial year. Do not represent it as a product-specific ratio or a guarantee of claim approval. |
VS VS |
Assure 82.31% |
| Maternity Cover |
|---|
Super Mediclaim Maternity cover is not identified as a standard benefit in the reviewed Super Mediclaim product overview. |
VS VS |
Assure Covered up to 10% of the Sum Insured after a continuous 24-month waiting period. Requires both spouses to be covered under the same policy. |
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?
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
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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
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.
Explore Our Most Popular Plans
Compare With Other Health Insurance Plans
Super Mediclaim vs Optima Secure
Super Mediclaim vs Health Recharge
Super Mediclaim vs Cancer Cover Activ Cancer Secure Plan
Super Mediclaim vs Optima Secure Plus
Super Mediclaim vs Women Care
Super Mediclaim vs Aspire Diamond+
Super Mediclaim vs Activate Booster Plan A
Super Mediclaim vs Active Care Premier
Super Mediclaim vs ProHealth Accumulate
Super Mediclaim vs Health Super Saver Standard
Super Mediclaim vs Supreme Shine
Super Mediclaim vs Optima Secure Global Plus
Super Mediclaim vs Health Cardiac Care Silver & Gold Plan
Super Mediclaim vs myHealth Suraksha Gold
Super Mediclaim vs LifeTime Health Global
Super Mediclaim vs Active Fit Plus
Super Mediclaim vs OneHealth Premium
Super Mediclaim vs Activ Health Platinum Essential
Super Mediclaim vs Medicare Plus
Super Mediclaim vs Medicare Senior
Super Mediclaim vs Enhance Super Top-up Two
Super Mediclaim vs Medicare Protect
Super Mediclaim vs Activ One SAVR
Super Mediclaim vs Active Assure Diamond
Super Mediclaim vs Activ One VIP
Super Mediclaim vs Health Pulse Classic
Super Mediclaim vs Advantage
Super Mediclaim vs Special Care Gold
Super Mediclaim vs Activ One Max
Super Mediclaim vs Classic
Super Mediclaim vs Activ One Vytl
Super Mediclaim vs Supreme
Super Mediclaim vs Freedom
Super Mediclaim vs Sarvah Pratham
Super Mediclaim vs Joy Today
Super Mediclaim vs Medi Classic
Super Mediclaim vs Activate Booster Plan B
Super Mediclaim vs Aspire Gold+
Super Mediclaim vs Aspire Platinum+
Super Mediclaim vs Plus Complete
Super Mediclaim vs Reassure 2.0 Platinum+
Super Mediclaim vs Elder Care
Super Mediclaim vs Reassure 3.0 Elite
Super Mediclaim vs EquiCover
Super Mediclaim vs Young Star Gold
Super Mediclaim vs Enhance Super Top-up One
Super Mediclaim vs Joy Tomorrow
Super Mediclaim vs Activ One VIP+
Super Mediclaim vs Reassure 3.0 Select
Super Mediclaim vs Red Carpet Senior Citizens
Super Mediclaim vs Medicare Premier
Super Mediclaim vs Family Health Optima
Super Mediclaim vs Health Companion Variant 2022
Super Mediclaim vs Health Companion Variant 3
Super Mediclaim vs Plus Youth
Super Mediclaim vs Assure
Super Mediclaim vs Health Premia Gold
Super Mediclaim vs Health Premia Platinum
Super Mediclaim vs Cancer Care Platinum
Super Mediclaim vs Optima Lite
Super Mediclaim vs ProHealth Prime Protect
Super Mediclaim vs Comprehensive
Super Mediclaim vs HeartBeat Enhanced
Super Mediclaim vs Reassure
Super Mediclaim vs Supreme Senior Premium
Super Mediclaim vs Health Recharge Super Top Up Plan
Super Mediclaim vs Reassure 3.0
Super Mediclaim vs myHealth Suraksha Platinum
Super Mediclaim vs Supreme Value for Money
Super Mediclaim vs Supreme Senior Super
Super Mediclaim vs Supreme Enhance
Super Mediclaim vs Reassure 2.0 Gold
Super Mediclaim vs Medicare
Super Mediclaim vs Ultimate (Direct)
Super Mediclaim vs Young Star
Super Mediclaim vs Sarvah Param
Super Mediclaim vs Optima Insurance
Super Mediclaim vs Smart Super Health Assure
Super Mediclaim vs Reassure 3.0 Black
Super Mediclaim vs Health Guard Platinum
Super Mediclaim vs Health Guard Gold
Super Mediclaim vs Elevate (Direct)
Super Mediclaim vs Extra Care Plus Super Top-up
Super Mediclaim vs Health Care Supreme Smart
Super Mediclaim vs Smart Health Pro
Super Mediclaim vs Medi Classic Gold
Super Mediclaim vs Optima Super Secure
Super Mediclaim vs Special Care
Super Mediclaim vs Medicare LITE
Super Mediclaim vs Health Shield 360
Super Mediclaim vs SecureHealth
Super Mediclaim vs Supreme (Direct)
Super Mediclaim vs Plus
Super Mediclaim vs Mediclaim Insurance Policy
Super Mediclaim vs Medicare Select
Super Mediclaim vs Health Gain
Super Mediclaim vs myHealth Koti Suraksha
Super Mediclaim vs Senior
Super Mediclaim vs myHealth Suraksha Silver
Super Mediclaim vs Cardiac Care Platinum
Super Mediclaim vs Royal Sundaram Lifeline Elite
Super Mediclaim vs Super Surplus Gold
Super Mediclaim vs Supreme Enhance One
Super Mediclaim vs Supreme Enhance Two
Super Mediclaim vs HeartBeat Platinum
Super Mediclaim vs HeartBeat Gold
Super Mediclaim vs Health SuperCharge
Super Mediclaim vs Aspire Titanium+
Super Mediclaim vs iHealth Plus
Super Mediclaim vs ProHealth Prime Advantage
Super Mediclaim vs Active Fit Preferred
Super Mediclaim vs Reassure 3.0 Classic
Super Mediclaim vs Senior Health Advantage
Super Mediclaim vs Health Wallet
Super Mediclaim vs Elevate
Super Mediclaim vs Heart
Super Mediclaim vs LifeTime Health
Super Mediclaim vs Reassure 2.0 Titanium+
Super Mediclaim vs ProHealth Prime Active
Super Mediclaim vs ProHealth Prime Senior Elite
Super Mediclaim vs Advanced Top Up
Super Mediclaim vs Multiplier Health
Super Mediclaim vs Diabetes Safe Plan A
Super Mediclaim vs Reassure 2.0 Bronze+
Super Mediclaim vs Enhance Super Top-up
Super Mediclaim vs Young Star Silver
Super Mediclaim vs Star Women Care Policy
Super Mediclaim vs Joy
Super Mediclaim vs Supreme Senior Health AdvantEdge
Super Mediclaim vs Family Plus
Super Mediclaim vs Criti Shield Plus
Super Mediclaim vs Health Care Supreme Ultimo
Super Mediclaim vs Health Shield 360 Retail
Super Mediclaim vs Super Star
Super Mediclaim vs Supreme Super Saver
Super Mediclaim vs Senior First Platinum
Super Mediclaim vs Optima Secure Global
Super Mediclaim vs NextGen
Super Mediclaim vs Health Insurance Platinum
Super Mediclaim vs Energy Silver With Copay
Assure vs Optima Secure
Assure vs Super Mediclaim
Assure vs Health Recharge
Assure vs Cancer Cover Activ Cancer Secure Plan
Assure vs Optima Secure Plus
Assure vs Women Care
Assure vs Aspire Diamond+
Assure vs Activate Booster Plan A
Assure vs Active Care Premier
Assure vs ProHealth Accumulate
Assure vs Health Super Saver Standard
Assure vs Supreme Shine
Assure vs Optima Secure Global Plus
Assure vs Health Cardiac Care Silver & Gold Plan
Assure vs myHealth Suraksha Gold
Assure vs LifeTime Health Global
Assure vs Active Fit Plus
Assure vs OneHealth Premium
Assure vs Activ Health Platinum Essential
Assure vs Medicare Plus
Assure vs Medicare Senior
Assure vs Enhance Super Top-up Two
Assure vs Medicare Protect
Assure vs Activ One SAVR
Assure vs Active Assure Diamond
Assure vs Activ One VIP
Assure vs Health Pulse Classic
Assure vs Advantage
Assure vs Special Care Gold
Assure vs Activ One Max
Assure vs Classic
Assure vs Activ One Vytl
Assure vs Supreme
Assure vs Freedom
Assure vs Sarvah Pratham
Assure vs Joy Today
Assure vs Medi Classic
Assure vs Activate Booster Plan B
Assure vs Aspire Gold+
Assure vs Aspire Platinum+
Assure vs Plus Complete
Assure vs Reassure 2.0 Platinum+
Assure vs Elder Care
Assure vs Reassure 3.0 Elite
Assure vs EquiCover
Assure vs Young Star Gold
Assure vs Enhance Super Top-up One
Assure vs Joy Tomorrow
Assure vs Activ One VIP+
Assure vs Reassure 3.0 Select
Assure vs Red Carpet Senior Citizens
Assure vs Medicare Premier
Assure vs Family Health Optima
Assure vs Health Companion Variant 2022
Assure vs Health Companion Variant 3
Assure vs Plus Youth
Assure vs Health Premia Gold
Assure vs Health Premia Platinum
Assure vs Cancer Care Platinum
Assure vs Optima Lite
Assure vs ProHealth Prime Protect
Assure vs Comprehensive
Assure vs HeartBeat Enhanced
Assure vs Reassure
Assure vs Supreme Senior Premium
Assure vs Health Recharge Super Top Up Plan
Assure vs Reassure 3.0
Assure vs myHealth Suraksha Platinum
Assure vs Supreme Value for Money
Assure vs Supreme Senior Super
Assure vs Supreme Enhance
Assure vs Reassure 2.0 Gold
Assure vs Medicare
Assure vs Ultimate (Direct)
Assure vs Young Star
Assure vs Sarvah Param
Assure vs Optima Insurance
Assure vs Smart Super Health Assure
Assure vs Reassure 3.0 Black
Assure vs Health Guard Platinum
Assure vs Health Guard Gold
Assure vs Elevate (Direct)
Assure vs Extra Care Plus Super Top-up
Assure vs Health Care Supreme Smart
Assure vs Smart Health Pro
Assure vs Medi Classic Gold
Assure vs Optima Super Secure
Assure vs Special Care
Assure vs Medicare LITE
Assure vs Health Shield 360
Assure vs SecureHealth
Assure vs Supreme (Direct)
Assure vs Plus
Assure vs Mediclaim Insurance Policy
Assure vs Medicare Select
Assure vs Health Gain
Assure vs myHealth Koti Suraksha
Assure vs Senior
Assure vs myHealth Suraksha Silver
Assure vs Cardiac Care Platinum
Assure vs Royal Sundaram Lifeline Elite
Assure vs Super Surplus Gold
Assure vs Supreme Enhance One
Assure vs Supreme Enhance Two
Assure vs HeartBeat Platinum
Assure vs HeartBeat Gold
Assure vs Health SuperCharge
Assure vs Aspire Titanium+
Assure vs iHealth Plus
Assure vs ProHealth Prime Advantage
Assure vs Active Fit Preferred
Assure vs Reassure 3.0 Classic
Assure vs Senior Health Advantage
Assure vs Health Wallet
Assure vs Elevate
Assure vs Heart
Assure vs LifeTime Health
Assure vs Reassure 2.0 Titanium+
Assure vs ProHealth Prime Active
Assure vs ProHealth Prime Senior Elite
Assure vs Advanced Top Up
Assure vs Multiplier Health
Assure vs Diabetes Safe Plan A
Assure vs Reassure 2.0 Bronze+
Assure vs Enhance Super Top-up
Assure vs Young Star Silver
Assure vs Star Women Care Policy
Assure vs Joy
Assure vs Supreme Senior Health AdvantEdge
Assure vs Family Plus
Assure vs Criti Shield Plus
Assure vs Health Care Supreme Ultimo
Assure vs Health Shield 360 Retail
Assure vs Super Star
Assure vs Supreme Super Saver
Assure vs Senior First Platinum
Assure vs Optima Secure Global
Assure vs NextGen
Assure vs Health Insurance Platinum
Assure vs Energy Silver With Copay
Chat with PolicyPal
Get a free policy review
No pressure. No product push. Just honest advice.






.png)

