Skip to content

Health Insurance · head to head

Care Supreme vs Optima Restore

Save New comparison

Specifications side by side

Spec
Care Supreme
Optima Restore
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore
3 lakh, 5 lakh, 10 lakh, 15 lakh, 20 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)
91 days to 65 years
Room rent
Up to SI
No sub-limit on room rent
Co-payment
None in base cover
None (optional co-payment)
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 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
Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
Instant addition of 100% Basic Sum Insured on complete or partial utilization; restored only once in a Policy Year
No-claim bonus
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Multiplier Benefit: 50% of Base Sum Insured per renewal irrespective of claims, maximum 100% of Basic Sum Insured
Maternity
Not covered
Not covered
OPD
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Not covered
Premium
Sample annual premium
₹12,292
₹19,589
Sample premium is for
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
Individual, age 30, Basic Sum Insured Rs 10,00,000, Tier 1 (Delhi, Surat, Gurugram, Faridabad, Ghaziabad, Greater Noida), 1-year, 'Gross Premium Tables (Exclusive of Taxes)', no optional covers
Insurer
Health incurred claim ratio (insurer)
64.53%
84.85%
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)
22,100+ (as of Dec 2025)
16,000+
IRDAI UIN
CHIHLIP27061V032627
HDFHLIP26055V102526

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

Care Supreme

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

Optima Restore

  • Pro: No co-payment unless you choose one for a lower premium
  • Pro: No room-rent cap
Compare