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

The last few years have made it very clear that having health insurance is essential for everyone. Whether you are a young professional or a senior citizen, are single or have a family to support, health insurance cannot be ignored. Keeping this in mind, health insurance companies offer comprehensive plans that suit people with varied insurance needs.

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

Author Bio

Paybima Team

Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 21 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

Over to You

Choosing the best health insurance plan isn’t just about comparing brochures or flipping coins. It’s about finding a policy that backs you up when life throws surprises your way. Both Care Supreme and Star Comprehensive check off several boxes that matter most to you, like broad hospitalisation cover, pre- and post-treatment benefits, day care procedures, and wellness features that keep you healthier beyond just claims. You also get perks like no-claim benefits, room rent flexibility, e-consultation options, and add-ons that can be customised for your lifestyle. So, whether you're single, part of a nuclear family, or juggling between office and ageing parents, both plans are built to support your needs in practical ways.

That said, your insurance journey shouldn’t stop at health alone. Think bigger. Look at other coverage types too. A solid plan can be paired with comprehensive car insurance or personal accident insurance to build an all-around financial safety net. Because when life happens, it rarely sticks to just one category.

So, take your time, match the benefits to your situation, and choose what feels right. Whether you lean toward these health insurance companies mentioned in this guide or any other provider available to you, the goal is to stay covered smartly and confidently, without any second guesses.

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