Care Supreme vs Health Companion Health Insurance Plan
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| PLAN DETAILS |
 Care Supreme |
 Health Companion |
| Premium Including GST | ||
| Sum Assured | 7L, 10L & 15L | 7.5L, 10L, 12.5L, 15L, 20L, 30L, 50L & 1Cr |
| Product Type | Family Floater | Individual & Family Floater |
| Key Features (Key features of the plan) |
Advance Technology Methods covered upto SI Unlimited Automatic Recharge Unlimited E-Consultations No reduction in Cumulative Bonus even if you claim Wellness Benefit: Earn up to 30% Discount on Renewal Discount Connect – Discounts on services such as consultations diagnostics maternity etc at Cares network |
No Max Age Limit Animal Bite Cover AYUSH treatment covered up to Sum Insured Cover All day care procedures No Room Rent Capping Air Ambulance available Upto 2.5Lakh Co-payment is not applicable |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Applicable | Not Available |
| EMI Option | yes | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Applicable | Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered Upto Rs. 10L | Actual - No capping on room rent |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs. 10L | Upto sum insured |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
60 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
180 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Upto Rs. 10L | Upto Rs 10L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs. 10L & (All Day Care Procedures) | Upto Rs. 10L & all Day Care Treatment covered |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Upto Rs. 10L | Upto Rs 10L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Available | No |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 4 Years | After 3 year |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
50% of SI per year, max up to 100% of SI; Shall not reduce in case of claim | Increase of base sum assure from 20% to 100% |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Available for unlimited times for unrelated or same illness | Upto Rs 10L (Applicable for both same & different illness) |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs. 10000/- | up to INR 2,000 per hospitalisation |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Available | Not Applicable |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Available | Not Applicable |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Available | Not Applicable |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Optional (Once for all Insured every policy year) | Once in a year from day 1, up to INR 500 for every INR 1 Lakh Base Sum Insured, Individual-Max. 5000 Per insured members, Floater-Max. 10000 per policy |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Available | No |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Available | Up to INR 5,000 (Only Vaccination) |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
No Co-pay | No Co-Pay |
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
