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Insurance Plans Comparison

Bajaj Health Care Supreme Ultimo vs Star Medi Classic Gold

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

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Bajaj

Health Care Supreme Ultimo

Cover hospital stays, outpatient care, maternity and newborn expenses from built-in limits, and add optional hospital cash of ₹2,500 a day, or ₹5,000 a day in the ICU.

What Makes It Special:

Health Care Supreme is designed for those who want comprehensive coverage without restrictions. It offers extensive coverage for modern treatments and innovative features.

Best For:

  • Not available
VS
Star

Medi Classic Gold

Stay in a private single air-conditioned room, restore 200% of the basic sum insured once for an unrelated illness, and add a further 100% super restoration once for a later hospitalisation, even for the same illness.

What Makes It Special:

An individual health insurance plan with hospitalisation coverage and additional benefits, including restoration, domiciliary treatment, organ donor expenses, newborn baby hospitalisation, tele-consultation and home care treatment, subject to applicable policy terms, limits and exclusions.

Best For:

  • Individuals interested in tele-consultation and home care treatment benefits.

  • Customers looking for organ donor and domiciliary treatment coverage.

  • Individuals seeking Private Single AC Room eligibility under applicable Sum Insured options.

  • Customers looking for restoration benefits subject to policy conditions.

  • Individuals seeking individual hospitalisation coverage.

Insurance Plans Comparison

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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

Bajaj Health Care Supreme Ultimo

Not available

Star Medi Classic Gold

  • Review exclusions and waiting periods before purchasing the policy.

  • Understand the conditions governing automatic restoration and Super Restoration.

  • Check newborn baby coverage conditions and applicable limits.

  • Review treatment-specific limits, including modern treatment limits.

  • Check room-rent eligibility based on the selected Sum Insured.

  • Review the 10% co-payment applicable to insured persons whose entry age is 61 years or above.

  • Check the 24-month waiting period for specified diseases and procedures.

  • Review the 36-month waiting period for pre-existing diseases.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Health Care Supreme Ultimo
Health Care Supreme Ultimo

Health Insurance Plan

Brochure

Policy Wording

VS
Medi Classic Gold
Medi Classic Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Health Care Supreme Ultimo

Covered up to Hospitalisation Sum Insured

Covered up to Hospitalisation Sum Insured

VS

Medi Classic Gold

Under the Gold Plan, the room-rent limit depends on the selected Sum Insured. The reviewed product information indicates a limit of up to ₹5,000 per day for ₹3 lakh and ₹4 lakh Sum Insured options, and Private Single AC Room eligibility for Sum Insured options from ₹5 lakh to ₹25 lakh. Verify against the current policy wording.


Advanced Treatments

Health Care Supreme Ultimo

Uterine Artery Embolization and HIFU

Balloon Sinuplasty

Deep Brain Stimulation

Oral Chemotherapy

Immunotherapy (Monoclonal Antibody Injection)

Intra Vitreal Injections

Robotic Surgeries

Stereotactic Radio Surgeries

Bronchial Thermoplasty

Green Laser/Holmium Laser Treatment for Prostate

Intra Operative Neuro Monitoring (IONM)

Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions

VS

Medi Classic Gold

Information Unavailable

ICU Charges

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Covered subject to applicable policy terms and limits. Confirm the exact limit in the current policy wording.


Co-payment

Health Care Supreme Ultimo

Not mentioned

VS

Medi Classic Gold

A 10% co-payment applies to insured persons whose entry age is 61 years or above, subject to policy terms.


Disease-wise sublimits

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Specific limits may apply to certain treatments and benefits, including modern treatments and cataract treatment. Refer to the current policy wording for applicable limits.


Waiting Period

Health Care Supreme Ultimo

30 Days

24 Months

VS

Medi Classic Gold

Information Unavailable

Cashless Healthcare Providers

Health Care Supreme Ultimo

Cashless treatment available at empanelled hospitals.

VS

Medi Classic Gold

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


Restoration Benefit

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

The Gold Plan is reported to include automatic restoration of the Basic Sum Insured by 200% once during the policy period, along with a separate Super Restoration benefit of an additional 100% of the Basic Sum Insured once for subsequent hospitalisation. Confirm the triggering conditions, usage rules and restrictions in the current policy wording.

Daycare Treatment

Health Care Supreme Ultimo

Covered

VS

Medi Classic Gold

Eligible daycare procedures are covered, subject to policy terms and applicable limits.


Cumulative Bonus

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Available under the Gold Plan, subject to claim-free-year rules and applicable limits. Confirm the precise increment and reduction conditions against the current policy wording.


AYUSH Treatment

Health Care Supreme Ultimo

Covered

VS

Medi Classic Gold

Eligible inpatient AYUSH treatment is covered up to the Basic Sum Insured, subject to policy terms and conditions.

Consumable Cover

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Not established from the reviewed source. Verify whether consumables are covered under the base policy or an optional benefit.


Initial Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

30 days for illnesses from the first policy commencement date, except covered accident claims, subject to policy terms

Specific Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

24 months for specified diseases and procedures, subject to policy terms.

PED Waiting Period

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

36 months of continuous coverage, subject to policy terms and acceptance of the pre-existing disease.

Modern Treatment

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Covered subject to applicable policy limits and policy terms.


Annual Health Checkup

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Preventive health check-up is available at network providers, subject to the applicable Sum Insured, package limits and policy conditions. Confirm the exact benefit limit before publication.


Pre-Hospitalisation

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Up to 30 days before hospitalisation, subject to policy terms.

Post-Hospitalisation

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Up to 60 days after discharge under the Gold Plan, subject to policy terms.


Outpatient Department Cover (OPD Expense)

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Routine OPD coverage is not established from the reviewed source. Tele-consultation is listed separately as a benefit.


Deductible Option

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Not established from the reviewed source. Verify the policy wording and schedule before publishing.


Coverage Options

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Gold Plan Sum Insured options are reported as ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹20 lakh and ₹25 lakh. Confirm current availability against the latest product document.


Claim Settlement Ratio

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Not verified for this specific product variant. Do not publish a numerical ratio without a reliable, dated source.


Maternity Cover

Health Care Supreme Ultimo

Information Unavailable

VS

Medi Classic Gold

Maternity expenses are excluded, subject to any specific exception stated in the applicable policy wording.

Insurance Plans Comparison

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Why Choose Our Expert Consultation?

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

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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

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  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

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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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