🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
Selecting the appropriate health insurance plan among the seniors may be baffling, particularly when a number of good plans with similar coverages exist. The best options to consider in the Indian health insurance among the elderly are the Care Advantage Plan and Care Supreme Senior Premium Plan. They are both trending in 2025, yet which one has better benefits, costs, and the capability to fit with the elderly population? This article draws them to a clear comparison so that you can make an informed decision.
Both Care Advantage Plan and the Care Supreme Senior Premium Plan are all-inclusive health insurance product of Care Health Insurance (previously Religare Health Insurance). These are plans that aim at addressing the healthcare requirements of the seniors, families and individuals that offer wide coverage of the medical care with special features to meet the needs of the older adults.
Care Advantage Plan is one of the flagship products that have been characterized by the high sum insured and the necessary health benefits. Targeting the senior citizens, the Care Supreme Senior Premium Plan is focused on age-related needs, preventive check-ups, and prescription drugs.
Care Advantage Plan normally admits between 5 years to 65 years and Care Supreme Senior Premium admits persons who are aged 60 years and above.
The increased expenditure on health care and the rising life expectancy imply that older Indians require a strong health insurance. The current policy benefits such as high sum insured, no claim bonus, cashless network, modern treatment, and post hospitalisation are extremely appreciated in 2025.
Care Advantage and Care Supreme Senior Premium are the two plans that cater to these trends and provide a safety net in terms of the hospital costs, illnesses that are critical and conditions that are age-related, which occur after age 60.
The trend report of IRDAI at end of 2024 indicates that health plans that focus on senior population have increased 19 percent in uptake since there are increased claims and health inflation.
Key Highlight:
Care Advantage has also paid attention to the most current therapies such as robotic surgeries, stem cell therapies, and bariatric surgery that makes it future-proofed to the medical standards in 2025.
Expert’s Insight:
This plan has been recommended by insurance wise people in 2025 due to the customisation and senior wellness covers that most basic plans do not have.
| Plan | Care Advantage | Care Supreme Senior Premium |
|---|---|---|
| Entry Age | 5-65 years | 60 years and above |
| Sum Insured | Rs 25 lakh -1 crore | Rs 5 lakh- 50 lakh |
| Renewal Age | Lifetime | Lifetime |
| Pre-existing Disease Wait | 48 months | 12 months |
| Room Rent | Single private (sum insured) | Single Private (sum insured) |
| OPD Cover | Not covered | Incovered |
| Preventive Check-ups | Annual, over 1 year old | Annual, since Day 1. |
| Critical Illness Cover | Add-on | Inbuilt |
| Wellness/Rewards | Available | Enhanced to seniors |
| No Claim Bonus | 50 percent maximum (max limit) | 100 percent maximum (max limit) |
| Ambulance | Rs 3,000 per event | Rs 5,000 per event |
Quick Recap:
Care Advantage is superior in terms of sum insured and modern treatments whereas Care Supreme Senior Premium plan performs better in terms of early pre-existing cover, OPD, senior wellness and preventive.
Did you know?
Over 45 percent of the hospitalisations in the senior category in 2025 will be related to chronic diseases that require continuous OPD and screenings, as opposed to operating theatres.
Care Supreme Senior Premium is better, due to the early pre-existing coverage and OPD benefits, which is suited to controlled diabetes.
In the case of a 65-year old male, the two plans differ in terms of premiums depending on their characteristics.
| Plan | Sum Insured | Approx Annual Premium (65 yrs, 2025) |
|---|---|---|
| Care Advantage | Rs 25 lakh | Rs 38,000-50,000 |
| Care Supreme Senior Premium | Rs 10 lakh | Rs 52,000-58,000 |
| Care Supreme Senior Premium | Rs 25 lakh | Rs 86,000-95,000 |
The Supreme Senior Premium Plan is also expensive per lakh sum insured due to the addition of OPD, wellness and age specific benefits. However, the additional expense tends to equal the actual health requirements of the majority of the Indian seniors.
Both plans do not cover HIVAIDS, cosmetic treatment and experimental therapy.
Care Advantage does not cover OPD or dental unless it is taken as an add-on.
Care Supreme Senior Premium has tighter restrictions on the costs of organ donors.
Waiting period is even after the pre-existing clause with regard to some critical illnesses.
Expert’s Insight:
According to experts, it is better to have optional riders such as top up cover, personal accident, and critical illness add-ons to gain more peace of mind.
Care Health Insurance has a good reputation of quick approvals of claims. In 2025, both Care Advantage and Supreme Senior will have 3-4 hour claim decisions on cashless cases at network hospitals.
Point to note:
Did you know?
The Care Health Insurance received a 94 percent satisfaction index on timely senior citizen claims in a 2025 IRDAI consumer survey.
Does Care Supreme Senior Premium offer porting services of one insurer to another?
Yes, and both plans are portable according to IRDAI guidelines, with your waiting periods, and continuity of your cover.
Which plan provides less waiting time to pre-existing diseases?
Care Supreme Senior Premium Plan Only 12 months waiting versus 48 months with Care Advantage.
May such plans be made on a lifelong basis?
Yes, the two plans will provide lifetime renewal irrespective of the medical conditions during the renewal.
Does the two plans provide a cashless claim facility?
Yes, cashless facility is adopted both in more than 22000 network hospitals in India.
Does it cover preventive health check-ups within the first year?
Only in Care Supreme Senior Premium, at Day 1. Care Advantage starts with check-ups upon the completion of one policy year.
Does it have OPD cover in both plans?
OPD can only be offered under Care Supreme Senior Premium Plan. As an addition, it is provided by Care Advantage.
Who is to purchase the Care Advantage Plan?
Ideally fits people interested in a broad coverage across all ages, families and larger sum insured.
Is purchase of these plans dependent on a medical test?
Yes, both generally need a medical examination especially after 55 years of age or where you have known existing medical conditions stated.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
