Care Health Supreme vs HDFC Ergo Optima Restore: Which IP Plan to Choose?

When it comes to buying the right health insurance, things seem straightforward; however, with the plethora of options available, the process can become a bit confusing. There is so much to consider, after all. Two very popular plans in the market today are Care Health Supreme and HDFC Ergo Optima Restore. If you are weighing the pros and cons of these 2 plans, read on.

Care Health Supreme vs HDFC Ergo Optima Restore

First things first. Both these plans are popular options as they offer comprehensive medical coverage. Offered by different companies, they have some common and some distinct features. And while we will be analysing the pros and cons of each, as an insurance seeker, you must realise that the choice of plan greatly depends on your individual needs. 

Rather than comparing which plan is better, we recommend determining which one best suits your needs. 

Let's begin.

Care Health Supreme 

Care Health Supreme is a health insurance plan offered by Care Health Insurance. The company, earlier known as Religare Health Insurance, is a prominent standalone health insurance provider. Care Health Insurance boasts a wide hospital network of 21,700, along with proactive customer care and a claim settlement ratio of 92.77%, which is among the highest in the country, in this category.  

Care Supreme is offered by the company as a top-notch health plan. With a wide range of sum insured options, the plan offers a long list of benefits. 

HDFC Ergo Optima Restore

With over 1.4 crore customer base, HDFC ERGO is a leading general insurance company that offers health insurance along with several other products. With a cashless network of 15,000, the company is known to offer several health plans at affordable rates suitable for all economic classes. 

The Optima Restore policy by HDFC ERGO offers a comprehensive list of benefits. The restoration benefit, multiplier benefit, and health check-ups, among others, make this plan quite lucrative. 

Care Health Supreme vs HDFC Ergo Optima Restore: Which IP Plan to Choose?

Let us now break down the two plans with a detailed comparison to help you make an informed decision.

Feature	Care Health Supreme	HDFC ERGO Optima Restore
Sum Insured	₹7 lakhs – ₹1 crore	₹3 lakhs – ₹1 crore
Restore Benefit	Unlimited automatic recharge (for related & unrelated illnesses)	100% restoration after the first claim (any illness)
Pre & Post Hospitalisation	60 and 180 days	60 and 180 days
Daycare Treatment	Covered	Covered
OPD Benefit	Included	Not included
Wellness Benefits	Health check-ups + up to 30% premium discount for a healthy lifestyle	Preventive check-ups + up to 8% wellness discount
Room Rent	No sub-limit (standard)	No sub-limit
Daily Hospital Cash	NA	Up to ₹1,000/day
Loyalty/No Claim Benefit	Cumulative Super Bonus up to 500% in 5 years	50% increase in base sum insured at renewal (Multiplier Benefit)
E-consultations	Unlimited	Once a policy year
Family Coverage	Up to 6 members	Available (exact coverage varies)
Add-on Options	Wide range of add-ons available	Add-ons available

Over To You

Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness.  Here’s a quick recap for you to make an informed decision.

• Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L.
• Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made.
• Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year.
• Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus.
• Care Supreme is costlier but has more features.
• Optima suits budget buyers; Care fits those needing wider, long-term coverage.

Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.