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Last updated on: May 20, 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.
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Health insurance has ceased to be an option in India, it is a necessity more so now that people have realised the importance of quality medical attention. The Care Supreme Plan and the Digit Option 3 Super Care Plan are the two favored plans that are currently in trend in 2025. When in need of the best health insurance, it is prudent to make a comparison of these two before settling on an option.
This elaborate comparison is meant to be used by the Indian families and individuals seeking realistic answers to their healthcare needs. In this case, you receive an overview of both plans, their functionality, advantages and real performance in the contemporary environment.
The health insurance market is crowded with policies which tend to sound alike. Nevertheless, Care Supreme Plan and Digit Option 3 Super Care Plan have proved to be a safe alternative in 2025 due to the following reasons:
The care Supreme and Digit Super Care Option 3 have strong health covers, however their sum insured options, waiting periods and add-ons differ.
Care Supreme Plan:
Digit Option 3 Super Care Plan:
Q: Are waiting periods any different at Care Supreme and Digit Option 3 Super Care?
A: Yes, Digit normally has a shorter waiting on some diseases and also covers pre-existing diseases after four years just as in the industry. Care Supreme provides rapid PED cover ups in three years following the coverage of certain illnesses.
According to experts, a health plan with a higher sum insured would be more preferable since medical inflation in India continues to increase.
The features of both these plans are what will make them different in 2025:
| Characteristics/Advantages | Care Supreme Plan | Digit Option 3 Super Care Plan. |
|---|---|---|
| Sum Insured (in INR) | 5 lakh - 1 crore | 10 lakh - 2 crore |
| Room Rent Limit | No limit below sum insured | No limit below sum insured |
| ICU Charges | Fully covered | Fully covered |
| Day Care Procedures | 541+ procedures | 613+ procedures. |
| Pre-Hospitalisation | 60days | 60days. |
| Post-Hospitalisation | 60 days | 180 days |
| Alternative Treatment | Yes (up to SI) | Yes (up to SI) |
| Maternity coverage | Cover plus hikes in variants: optional cover. | |
| No Claim Bonus | Up to 100 percent | Up to 50 percent |
| Wellness Programs | Annual examinations, OPD add-ons. | |
| International Cover | No | Yes (selected diseases) |
| Sum Insured restoration | One time per year | Unlimited restoration. |
| PED Coverage (Pre existing) | After 3 years | After 4 Years |
| Air Ambulance | Not available | Included. |
To get the perfect policy, you will have to look past features and see how they can assist you in action.
Q: Am I able to change to Care Supreme to Digit Option 3 Super Care Plan easily enough?
A: Yes, it can be done when you do not break your tenure of plan that is existing. You have to apply prior to the renewal of your policy.
Insurance advisors suggest you should review your policy features prior to renewal every year in order not to fall behind regarding new inclusions.
Simplicity of claiming and after sales services are key issues to policyholders.
Care Supreme Plan:
Digit Option 3 Super Care Plan:
The customer support is efficient in both companies, but the app based claim process offered by Digit has the highest satisfaction rating and is ideal to techno savvy users.
In 2025, research indicates that consumers will be attracted to plans that have a greater level of digital access to claims and tracking because it reduces waiting time.
The premiums vary in accordance to several factors such as age, city, sum insured and optional benefits.
The approximate Premiums in 2025 in 2 Adults + 1 Child (Non-smoker, Delhi):
The premiums can also increase depending on increased coverage, added riders and in case any member is over 40 years.
Q: Do the two plans offer any premium discounts?
A: Yes, both plans include discount on multi-year plans, no claim periods and family floater plans.
A choice between Care Supreme and Digit Option 3 Super Care is reduced to your main requirements:
Digit Super Care Plan is the default employee health policy of many start-ups in 2025 due to its global illness cover.
This plan suits you if:
Both of these health insurance plans are influential solutions, and your personal circumstances determine which one would be the best in 2025:
Care Supreme Plan is the brightest option with affordable and India-oriented health coverage with efficient claims, whereas Digit Option 3 Super Care Plan will provide premium with holistic and global coverage with higher restoration and digital-first benefits. The winner is determined by your health risks, budget and lifestyle.
What is the restoration of sum insured done with Care Supreme and Digit Super Care Option 3?
In Care Supreme, the maximum amount of time that restoration can be done is after the sum insured has been exhausted completely. In Digit Super Care, there is unlimited restoration in case of unrelated illness claims within a year.
What insurance is better in case of OPD?
Super Care Plan Digit option 3 has a more inclusive OPD and wellness add-on benefit, which will be useful in case of frequent doctor visits and preventive care.
What are the major exclusions in both plans?
Similar to most insurers, neither of them cover cosmetic surgery, self harm, war related injuries and pre existing illness during waiting period.
Could the insurer be changed?
Yes, health policy is now customer friendly in terms of portability in 2025 as long as it is applied before expiry and has no lapse.
Can I buy both plans together?
Yes, legally but during claim settlement, the insurers will arrange in such a way that no one will be able to dip twice.
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).
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