Insurance Plans Comparison
Star Optima Insurance vs Care Supreme Value for Money
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
Read moreOptima Insurance
Family Floater Health Insurance with Restoration Benefits
What Makes It Special:
Optima Insurance is a family floater health insurance plan focused on hospitalization protection, restoration, recharge and wellness-linked benefits. The source content also lists newborn baby coverage, loyalty bonus accumulation, AYUSH treatment, organ donor expenses, domiciliary treatment and tele-consultation support.
Best For:
Families looking for family floater coverage
Customers wanting restoration and recharge benefits
Families planning long-term coverage
Customers interested in wellness-linked benefits
Families wanting newborn hospitalization coverage
VS
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.
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
Review the 36-month PED waiting period
Check the 20% co-payment for entry age 61 years and above
Understand how restoration can be used
Review newborn baby eligibility and waiting conditions
Check limits applicable to modern treatments
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.
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
![]() Optima Insurance Health Insurance Plan VS VS |
Supreme Value for Money Health Insurance Plan |
| Room Rent |
|---|
Optima Insurance Covered; specific room category conditions apply |
VS VS |
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. |
| ICU Charges |
|---|
Optima Insurance Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible ICU expenses are covered without a separate monetary sublimit, subject to the applicable room and policy conditions. |
| Co-payment |
|---|
Optima Insurance 20% mandatory for entry age 61 years and above; voluntary options may be available |
VS VS |
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. |
| Disease-wise sublimits |
|---|
Optima Insurance Modern treatments have specified sub-limits |
VS VS |
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. |
| Cashless Healthcare Providers |
|---|
Optima Insurance Available at network hospitals |
VS VS |
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. |
| Restoration Benefit |
|---|
Optima Insurance Automatic restoration up to three times in a policy year |
VS VS |
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. |
| Daycare Treatment |
|---|
Optima Insurance Covered |
VS VS |
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. |
| Cumulative Bonus |
|---|
Optima Insurance Loyalty bonus accumulation up to 100% of Sum Insured |
VS VS |
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. |
| AYUSH Treatment |
|---|
Optima Insurance Covered up to Sum Insured |
VS VS |
Supreme Value for Money Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions. |
| Consumable Cover |
|---|
Optima Insurance Not specified in the retrieved source |
VS VS |
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. |
| Initial Waiting Period |
|---|
Optima Insurance 30 days |
VS VS |
Supreme Value for Money 30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents. |
| Specific Waiting Period |
|---|
Optima Insurance 24 months |
VS VS |
Supreme Value for Money 24 months for listed illnesses and procedures, subject to the applicable policy conditions. |
| PED Waiting Period |
|---|
Optima Insurance 36 months |
VS VS |
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. |
| Modern Treatment |
|---|
Optima Insurance Covered with specified sub-limits |
VS VS |
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. |
| Annual Health Checkup |
|---|
Optima Insurance Available |
VS VS |
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. |
| Pre-Hospitalisation |
|---|
Optima Insurance Covered, subject to policy terms |
VS VS |
Supreme Value for Money Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured. |
| Post-Hospitalisation |
|---|
Optima Insurance Covered, subject to policy terms |
VS VS |
Supreme Value for Money Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured. |
| Outpatient Department Cover (OPD Expense) |
|---|
Optima Insurance Not specified in the retrieved source |
VS VS |
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. |
| Deductible Option |
|---|
Optima Insurance Not specified in the retrieved source |
VS VS |
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. |
| Coverage Options |
|---|
Optima Insurance Family Floater |
VS VS |
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. |
| Claim Settlement Ratio |
|---|
Optima Insurance Not specified in the retrieved source |
VS VS |
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. |
| Maternity Cover |
|---|
Optima Insurance Not specified in the retrieved source |
VS VS |
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. |
Insurance Plans Comparison
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