Care Health
Care Supreme
Sample premium
₹12,292 a year*
Health Insurance · head to head
Care Supreme vs Super Star
Star Health
Super Star
Sample premium
₹7,345 a year*
Quick verdict
- Super Star is better for longer pre- and post-hospital cover.
Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.
Specifications side by side
Spec
Care Supreme
Super Star
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
5 lakh, 7.5 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)
From 18 years (adults); 91 days (dependent children, floater) (no maximum stated)
Room rent
Up to SI
Any room
Co-payment
None in base cover
Mandatory co-pay: Not applicable
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
90 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
Automatic restoration of the Sum Insured up to 100%, an unlimited number of times, immediately after partial/ full utilisation of the limit of coverage
No-claim bonus
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Cumulative bonus 50% of the Sum Insured for each claim-free year, up to a maximum of 100% of the Sum Insured
Maternity
Not covered
Not in base cover; optional Delivery Expenses/ Newborn Cover (Option A: Rs 50,000 or Rs 1,00,000 per delivery, 24 months wait; Option B: Rs 30,000 per delivery, 12 months wait)
OPD
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Not covered in base (unlimited tele-consultation only); optional cover up to Rs 25,000 for specific diagnostic tests on OPD basis
Premium
Sample annual premium
₹12,292
₹7,345
Sample premium is for
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
1 adult, age 30, individual, Sum Insured Rs 10,00,000, Zone A, base premium excluding GST, no optional covers (prospectus base premium table; policy term not stated on the table, treated as annual base premium)
Insurer
Health incurred claim ratio (insurer)
64.53%
70.3%
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
SHAHLIP27049V022627
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
Super Star
- Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
- Pro: No room-rent cap