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Health Insurance · head to head

Platinum Health Plan vs Care Supreme

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Quick verdict

  • Platinum Health Plan is better for shorter waiting periods.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Platinum Health Plan
Care Supreme
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
1 crore
5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
—
From 18 years (adult); 90 days (child) (no maximum stated)
Room rent
No limits; any room of choice; no ICU day/charge limits
Up to SI
Co-payment
Zero co-pay as a standard feature
None in base cover
Waiting periods
Initial waiting period
0 days
30 days
Pre-existing disease waiting
—
36 months
Specific illness waiting
0 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Coverage gets restored unlimited times in a year
Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
No-claim bonus
—
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Maternity
Optional add-on: 'Covers delivery expenses and newborn care after the applicable waiting period'
Not covered
OPD
Optional add-on: 'Doctor visits, tests and chemist bills outside the hospital'
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Premium
Sample annual premium
—
₹12,292
Sample premium is for
—
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
Insurer
Health incurred claim ratio (insurer)
57.82%
64.53%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
13,200
22,100+ (as of Dec 2025)
IRDAI UIN
ACKHLIP25035V022425
CHIHLIP27061V032627

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Platinum Health Plan

  • Pro: Specific illnesses covered after no waiting period, sooner than 95% of the 46 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Care Supreme

  • Pro: No co-payment on claims
  • Pro: No room-rent cap
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