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Last updated on: August 7, 2025
The Bajaj Allianz Health Guard Family Floater Gold Plan and the Care Supreme Combo Plan are both popular health insurance options for families, but they differ in key aspects. The Bajaj Allianz Health Guard Gold Plan offers comprehensive coverage with sum insured options up to Rs 50 lakh, covers hospitalization, pre- and post-hospitalization, daycare procedures, and includes features like maternity and newborn coverage. The Care Supreme Combo Plan, from Care Health Insurance, also provides extensive coverage with higher sum insured options, no-claim bonus up to 100%, wellness benefits, unlimited e-consultations, and covers modern treatments. While Bajaj Allianz excels in family-centric features and brand trust, Care Supreme Combo stands out for its modern benefits and larger bonuses. Choosing between the two depends on your preferred benefit mix, coverage needs, and premium affordability.
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As hospitalisation fees and other health crisis scenarios continue to increase, in 2025 a well-developed family health insurance plan is more valuable than ever. Two of the popular family health insurance plans that are under common comparison by Indian consumers include the Bajaj Allianz Health Guard Family Floater Gold Plan and Care Supreme Combo Plan. All these plans are modelled to meet the health requirements of the new Indian family, although they possess a few differences, inclusions and value additions to suit the various needs.
Here, in this elaborative comparison, you will discover an easy digestible comparison between Bajaj Allianz Health Guard Family Floater Gold Plan and the Care Supreme Combo Plan. This contains highlights, key inclusions, exclusions, professional suggestions, and a definitive decision on what to choose to ensure you take out the right policy based on the specific needs of your family.
Bajaj Allianz Health Guard Family Floater Gold Plan is a broad based health insurance policy that targets urban and semi-urban Indian families. It is specifically created to cover a broad range of medical costs, such as hospitalisation, daycare process and additional benefits such as maternity, wellness and preventive benefits.
Insight of Experts: According to a 2025 study of the health insurance consumers, Bajaj Allianz was reported as the quickest-reacting insurers to cashless claims in Tier 1 and Tier 2 cities.
The Care Supreme Combo Plan is a sophisticated family health plan of Care Health Insurance designed to meet the needs of the modern urban Indian families that are interested in newer value-added features. The Combo Plan is an overall basic health cover plus booster benefits on OPD and modern procedures such as robotic surgeries.
Did you know? According to industry reports (2024), Care Health Insurance is growing its cashless network, by 30 percent, to include the secondary cities and suburban areas.
The following is a tabular snapshot comparison of the most pertinent categories to Indian families with respect to such plans in 2025.
| Characteristics | Bajaj Allianz Health Guard Gold | Care Supreme Combo Plan |
|---|---|---|
| Sum Insured (2025) | Rs 1.5 lakh to Rs 50 lakh | Rs 5 lakh to Rs 1 crore. |
| Family Coverage | Spouse, children, parents | Self, spouse, children, in-laws |
| Cashless Hospital Network (2025) | 8,500 and above | 24,000 and above. |
| Maternity Benefit | Yes (following 3 yr waiting) | Yes (depends on add-on) |
| Daycare Procedures | 600 plus | 541 plus |
| Annual Health Check-Up | Yes, after 3 years | Yes, once a year. |
| Pre/Post Hospitalisation | 60/90 days | 60/180 days |
| Room Rent Limit | No limit (unless suites) | No limit (most forms) |
| PED Wait Period | 36 months | 36 months. |
| Wellness/ Reward Points | Moderate | Higher. |
| Average Annual Premium (2A 2C, in 10L SI, in 2025) | Rs 16 500 | Rs 17 200 |
| No-Claim Bonus | Up to 100 percent | Up to 150 percent. |
| Emergency coverage at a global scale | Optional | Optional (Add-on) |
Pricing and benefits can vary according to city, add-ons, and age. Look before you leap.
People also ask: Q: Can I add my dependent parents to Bajaj Allianz Health Guard Family Floater? A: Yes, on the policy you can take your dependent parents or parents-in-law.
Did you know? Wellness rewards are highly engaged with at Care Supreme, with more than 40 percent redeemed in 2024.
Mrs. Sheela, a 37-year-old IT professional in Bengaluru compared both plans in respect of her family of four. On the sum insured at Rs 10 lakh, Bajaj Allianz had cost her Rs 16,800 annually and provided basic cover on hospitalisation, however, she had opted to cover Care Supreme at Rs 17,700 annually because it also offered an international cover (add-on) and her wellness reward could be redeemed at the workplace to attract additional discounts.
People also ask: Q: Is Care Supreme Combo Plan suitable to a big family? A: Yes, it has options to add in additional members like in-laws and dependent siblings and additional add-on options to tailor needs.
Expert Advice: A policy brochure will always be read on the official websites of the insurers in 2025 since the terms can be changed annually depending on the claims report and new policies of IRDAI.
Ask yourself:
Pro Tip: Shop online insurance comparison marketplaces that provide you the opportunity to compare product features, premiums, and hospital coverage before purchasing. These sites offer clear and impartial content, and thus they assist you in making sure that no fine print is left behind.
People also ask: Q: Does Bajaj Allianz and Care Supreme cover daycare treatments? A: Both the plans have comprehensive daycare treatment coverage, which includes more than 600 and 541 procedures each, according to 2025.
How long is the waiting period of pre-existing diseases in these plans?
As a rule, the waiting period in both plans is three years, until the conditions appeared, however, it is always better to refer to the latest policy documents.
Have I India cashless hospitalisation?
Yes, both of the policies have a nationwide cashless treatment, however, Care Supreme has a significantly broader network by 2025.
Are these plans covered by mental health?
Care Supreme has add-on mental health cover, and the Bajaj Allianz has not yet introduced such a feature.
What are the effectiveness of wellness rewards in these plans?
Care Supreme presents a wellness reward point system that is well organized, connected with the routine health checkups and wellness activities that are conducted online. Bajaj Allianz offers certain wellness benefits as well and is not that interactive.
Are other therapies such as AYUSH covered?
The two schemes assist AYUSH treatments as per the IRDAI requirements, though with restrictions and policy terms.
Can I upgrade my plan mid-term?
There are policies that permit upgrades in the sum insured at renewal. Mailer-upgrade can demand medical underwriting, thus it is always a good idea to verify with the insurer.
Did you know? According to a MyInsuranceLibrary report, about 58 percent of urban India families in the year 2025 are choosing higher sum insured plans including wellness and OPD benefits.
Much more information, premium calculators, revised brochures, and the latest IRDAI-approved hospital networks can be found directly on the websites of the official Bajaj Allianz and Care Health Insurance or licensed insurance advisors.
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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