Care Health
Care Supreme
Sample premium
₹12,292 a year*
Health Insurance · head to head
Care Supreme vs Rise
Niva Bupa
Rise
Premium depends on your profile
Specifications side by side
Spec
Care Supreme
Rise
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, 75 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
Up to twin sharing room without co-payment; flat 20% co-payment if above twin sharing room
Co-payment
None in base cover
Flat 20% if treatment taken outside the Rise-Tiered Network; 20% if room above twin sharing
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
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
Re-fill: once in a policy year, an amount equal to the base sum insured, added on complete or partial utilisation; any illness (same or different)
No-claim bonus
Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Loyalty Bonus: 10% of expiring Base Sum Insured every policy year, up to 100% of Base Sum Insured
Maternity
Not covered
Not covered
OPD
Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on
Not covered (unlimited digital consultations only)
Premium
Sample annual premium
₹12,292
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Sample premium is for
Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST
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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
NBHHLIP25041V012425
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
Rise
No stated figure stands out against similar models on Comparezi, either way.