Young and healthy? Find out which of these plans rewards you with lower premiums. Click here to check now!
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 |
Young and healthy? Find out which of these plans rewards you with lower premiums. Click here to check now!

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
Health emergencies don’t come with a calendar invite. Whether you're planning for your own future or looking out for your parents, choosing the right health insurance plan can make all the difference. That’s where a deeper look at the fine print helps. When you compare Star Health’s Red Carpet Plan vs Care Health Enhance Plan, what you’re really doing is choosing the kind of financial backup you want in your corner.
The Star Health Red Carpet Plan is made with senior citizens in mind. With benefits like annual preventive check-ups, it helps you or your ageing parents get covered without the usual hassles. On the other hand, the Care Health Enhance Plan acts as a top-up cover, ideal if you already have a base health policy and want to increase your shield without increasing your premium by too much.
While health insurance takes care of medical needs, don’t forget to plan for life’s bigger what-ifs. A term Insurance policy, especially a 1 crore term insurance plan, can be the long-term security net your family needs. Health and life coverage go hand in hand. And when chosen right, they help you face the future with confidence, not chaos.
Speak to an Advisor The Star Health Red Carpet Plan is made with senior citizens in mind. With benefits like annual preventive check-ups, it helps you or your ageing parents get covered without the usual hassles. On the other hand, the Care Health Enhance Plan acts as a top-up cover, ideal if you already have a base health policy and want to increase your shield without increasing your premium by too much.
While health insurance takes care of medical needs, don’t forget to plan for life’s bigger what-ifs. A term Insurance policy, especially a 1 crore term insurance plan, can be the long-term security net your family needs. Health and life coverage go hand in hand. And when chosen right, they help you face the future with confidence, not chaos.

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