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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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As far as purchasing health insurance in India is concerned, it is actually difficult to compare two most popular and reliable plans such as Care Supreme Plan and HDFC ERGO Optima Restore Plan. Each has its own advantages, terms of cover, additional cover and claims experiences. This paper will closely examine both of these plans that will apply in 2025, juxtaposing them on some key aspects to enable you to make a decisive and definite choice.
Care Supreme Plan, which is offered by the Care Health Insurance, is a well-known comprehensive health cover that has high sum assured options, reduced number of exclusions, quick settlement of claims, and a plethora of add-ons. It is introduced to the Indian families, individuals, and the elderly people to cover the contemporary medical requirements such as day care, OPD, and new-age therapies. Currently spreading in recent years, Care Supreme is the plan that is targeted at individuals seeking a flexible, wide-reaching, and future-proof policy.
Care Health Insurance has been rated as one of the best insurance to have in case a person cares about speed in service as the IRDAI statistics show that Care Health Insurance pays more than 9 out of 10 cashless claims within 2 hours.
Is Care Supreme Plan family friendly?
Yes it provides family floater covers, up to 2 adults and 4 children under single sum insured.
Another benchmark health policy is HDFC ERGO Optima Restore Plan that has a special feature known as restore that refills your sum insured immediately after partial or total use. Its extensive market base, clear policies and comprehensive network of hospitals have rendered it popular amongst Indian metro families since its upgrade in 2023. Recently the plan has been optimized to encompass contemporary consultation, telemedicine and chronic illness provisions to ensure that it is up to date with the health requirements in 2025.
Base cover is restored following each claim, which makes Optima Restore particularly beneficial to big families and patients with re-hospitalisation issues.
Is no claim bonus covered by HDFC ERGO Optima Restore?
Yes, but with up to 50 percent of sum assured bonus, as opposed to Care Supreme.
Care Supreme and HDFC ERGO optima restore both have strong coverage but they are different in their structure. Whereas it is possible to customize Care Supreme to higher maximum sum insured options up to [?]1 crore, which are appropriate to larger families and higher income groups, Optima Restore would traditionally cease at [?]50 lakh.
Care Supreme Sum Insured:
[?]5 lakh, [?]10 lakh, [?]25 lakh, [?]50 lakh, [?]1 crore
Optima Restore Sum Insured:
[?]3 lakh, [?]5 lakh, [?]10 lakh, [?]15 lakh, [?]20 lakh, [?]25 lakh, [?]50 lakh
The two plans are inclusive of hospitalisation, surgery, room rent, modern treatments, and pre and post-hospitalisation as per the updated IRDAI guidelines. Nevertheless, Care Supreme generally has more customisable add-ons whereas Optima Restore has an advantage with its one-of-a-kind unlimited restore advantage.
As of 2024, IRDAI mandates all large health plans to cover at least 60 and 180 days of pre and post-hospitalisation respectively.
| Feature Care Supreme Plan HDFC ERGO Optima Restore Plan. | |
|---|---|
| Entry Age | 91 days to 99 years 91 days to no maximum limit |
| Sum Insured | [?]5 lakh-[?]1 crore [?]3 lakh-[?]50 lakh |
| No Claim Bonus | Up to 100% Up to 50% |
| Restoration | Unlimited Unlimited. |
| OPD Cover | Available as add-on Available as add-on |
| Pre-Hospitalisation | 60 days 60 days |
| Post-Hospitalisation | 180 days 180 days. |
| AYUSH/Alternate | Yes Yes |
| Wellness Rewards | Yes No |
| Access to Cashless Network | 22,000+ hospitals 16,000+ hospitals |
| Waiting Period Disease | 2-4 years 2-3 years |
| Day Care Treatments | 540+ All based on the IRDAI guidelines. |
| Renewal | Lifelong Lifelong |
The rates of premiums vary depending on various factors such as sum insured, age, location and the add-ons chosen. What the thirty year old earns in annual premium on [?] 10 lakh sum is insured on as of 2025:
In the case of a family floater (2 adults and 2 children):
The difference is not very significant and Care Supreme is slightly higher in terms of price when it comes to higher coverage due to its rich features. Both permit annual, two year or three year premium installments with discounts in the long term.
What is the most appropriate health plan that would suit middle-class Indian families in the year 2025?
The two are both ideal Care Supreme with customisation and greater coverage and Optima Restore with lower premiums and high repeat restore benefit.
The network of hospitals (22,000+) is one of the largest in India that Care Supreme offers when compared to Optima Restore (16,000+). Nevertheless, the two firms have great claim settlement ratios and online claims filling. According to IRDAI 2024-2025 data:
Customer experiences indicate that both are better in digital claims support and track status apps which are both critical in the modern urban living.
Select a plan that has a good hospital network in your city or town since you would not fear making claims at the last moment.
Both insurance companies have helpful extensions. Popular ones in 2025 include:
The restore feature of Optima Restore is an inherent one and the OPD and wellness add-ons of Care Supreme are popular amongst office workers and older people.
One trend forecasts 2025 with more than 46 percent of urban Indian buyers choosing OPD and wellness add-ons at the point of purchase as the cost of consultation and diagnostics is growing.
Senior citizens should note:
The waiting periods of the pre-existing conditions are 2-4 years of both plans with specific conditions having different lists. Optima Restore tends to be a little quicker with diabetes and hypertension whereas Care Supreme offers additional check up and second opinion.
Are they mental health or modern therapy plans?
Yes, they both meet recent IRDAI requirements such as mental illness, robotic surgery, and digital therapy according to the policy provisions.
Sum insured and coverage should be always reviewed and renewed on an annual basis in order to match the increasing medical inflation.
According to the surveys on the Internet, reviews left by the users, and the rating of the customer care:
The negative comments on both are primarily on premium rise following major claims or submission of documents late. In 2025, both have enhanced their apps interface to achieve faster cashless authorisation.
The grievance redressal rules by IRDAI makes insurers to solve complaints within 21 days making all companies improve their service in recent years.
What should be the best policy concerning high sum assured in 2025?
Care Supreme Plan, as it is more covered up to [?]1 crore.
Is there any OPD cover in Optima Restore Plan?
Since 2024, an add-on rider is available.
Am I able to purchase these plans being a diabetic?
Yes, after a waiting period. In many cases, it is possible to cover diabetes in Optima Restore in only 2 years.
Does all hospitals accept cashless?
No only in the network hospitals of the insurer (22,000+ in Care, 16,000 + in Optima Restore in 2025).
Do both plans apply to individual and family members?
Yes, they both offer individual and family floaters.
Is there a premium effect of the history of claims?
It can, in particular, where there are repeated or high-value claims. Check plan terms on renewal terms.
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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