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

Choose from India’s top insurers

Latest Post

Having a bike is not just about convenience, it’s a huge responsibility. Financial protection of your two-wheeler is important and the best way to ensure that is to have a bike insurance policy that will protect you in case of an accident, theft or a natural calamity. There are so many options when it comes to policies, making it difficult to know what’s best. This guide makes it easier to choose the best bike insurance policy that is suitable for you. 

See nowSee now

Non-linked, non-participating term plans are the ones that do not participate in the business and profit of the insurance company. These are fixed premium plans where the policyholder pays a fixed amount to ascertain a guaranteed sum as a return to be paid to the nominee in case of his/ her demise. Let’s learn more in this post.

See nowSee now

Car depreciation implies the difference between the cost of a car at the time of buying the car and when you sell it. A car insurance claim amount is determined by the car depreciation rate. The car depreciation rate is the reduction in the value of your car over its lifespan caused by wear and tear.

See nowSee now

Have you ever caught yourself lost in illusions about your daughter's future events, such as her university convocation and first day at work? Her university convocation. When she embarks upon her initial job after graduation will be the day. 

See nowSee now

Accidents can happen anywhere, anytime, by your own fault or another person. What’s important is to be prepared for such mishaps. This is where Own Damage Car Insurance comes in handy.

See nowSee now