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Health Insurance · head to head

Care Supreme vs Galaxy Promise - Signature Plan

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Quick verdict

  • Galaxy Promise - Signature Plan is better for longer pre- and post-hospital cover.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Care Supreme
Galaxy Promise - Signature Plan
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore
5 lakh, 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
From 18 years (adult); 90 days (child) (no maximum stated)
16 days (individual / dependent children); 18 years (floater adults) to 65 years
Room rent
Up to SI
SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room
Co-payment
None in base cover
No Co-payment
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
90 days
Post-hospitalisation
180 days
180 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
Automatic Restoration, unlimited, applicable for same disease / different diseases
No-claim bonus
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Cumulative Bonus 100% of SI after first claim-free year, 25% of SI for every subsequent claim-free year, maximum 500%
Maternity
Not covered
Covered: delivery up to 10% of SI or Rs 2 lakh (whichever is less) once self and spouse covered 2 years (or insured woman 3 years)
OPD
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Not covered
Premium
Sample annual premium
₹12,292
₹11,573
Sample premium is for
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
1 adult (1A), age band 26-30, Sum Insured Rs 10,00,000, Signature Plan, Zone A; tax treatment not stated on the chart
Insurer
Health incurred claim ratio (insurer)
64.53%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
—
Network hospitals (insurer)
22,100+ (as of Dec 2025)
—
IRDAI UIN
CHIHLIP27061V032627
GHIHLIP25035V012425

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Care Supreme

  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Galaxy Promise - Signature Plan

  • Pro: 90 days of pre-hospitalisation cover, longer than 79% of the 49 health insurance plans on Comparezi that state it
  • Pro: No co-payment on claims
  • Pro: No room-rent cap
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