Care Health
Care Supreme
Sample premium
₹12,292 a year*
Health Insurance · head to head
Care Supreme vs Aspire
Niva Bupa
Aspire
Premium depends on your profile
Specifications side by side
Spec
Care Supreme
Aspire
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
3 lakh, 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)
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Room rent
Up to SI
No limit (any room); optional room type modification
Co-payment
None in base cover
None mandatory; optional Tiered Network carries 20% co-payment outside the network
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
—
Specific illness waiting
24 months
—
Benefits
Pre-hospitalisation
60 days
60 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
ReAssure Forever: triggers after the 1st claim; unlimited; each claim up to the Base sum insured
No-claim bonus
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Booster+: unutilised Base sum insured carries forward, up to 1X-10X by variant and entry age
Maternity
Not covered
Covered under M-iracle sum insured; waiting period 48 months (Gold+), 24 months (Diamond+), 9 months (Platinum+/Titanium+)
OPD
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Not covered in base (unlimited e-consultation); optional WellConsult OPD wallet
Premium
Sample annual premium
₹12,292
—
Sample premium is for
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
—
Insurer
Health incurred claim ratio (insurer)
64.53%
61.22%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
22,100+ (as of Dec 2025)
19,000+
IRDAI UIN
CHIHLIP27061V032627
NBHHLIP26049V022526
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
Aspire
- Pro: No co-payment unless you choose one for a lower premium
- Pro: No room-rent cap