🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The Bajaj Allianz Health Guard Family Floater Gold Plan and Care Supreme Plan are both comprehensive health insurance policies offering extensive coverage for families. The Bajaj Allianz plan stands out with its wide sum insured options, cashless hospitalisation at an extensive network, and benefits like free preventive health check-ups and AYUSH treatments. In contrast, Care Supreme offers unique features such as unlimited automatic recharge of sum insured, annual health check-ups for all insured members, and wellness benefits like discounted OPD consultations. Both plans cover pre- and post-hospitalisation, day-care procedures, and have lifelong renewability. However, Care Supreme may appeal more to those seeking value-added wellness features and unlimited recharge, while Bajaj Allianz is a solid choice for established reliability and extensive hospital network. Choosing between them depends on your family’s specific needs and preferred benefits.
Author
Read Bio
Reviewed by
Read Bio
Selecting an appropriate family health insurance is an important choice that every Indian family must make, mainly because the prices of healthcare are increasing throughout the nation. Having so many choices, it is possible to compare two major policies, the Bajaj Allianz Health Guard Family Floater Gold Plan and the Care Supreme Plan (by Care Health Insurance), and thus make a proper choice in 2025.
These two plans all provide strong coverage, distinct benefits, and are both designed to look after the medical needs of your family, but which one is better suited to your needs? This step-by-step guide will help you compare benefits, features, exclusions, eligibility, costs, expert comments, and many more, and you will know which health insurance plan suits you best.
Bajaj Allianz Health Guard Family Floater Gold Plan is a common health insurance cover policy that seeks to extend health cover to the entire family with a single sum insured. It contains hospitalisation costs, pre and post-hospitalisation, day care treatment, organ donor costs, and other add-ons, which are making it a comprehensive plan needed by Indians to protect their loved ones against the increasing medical costs in 2025.
Another policy that is a high-coverage family floater that centers on offering large sums of insured to clients, unlimited refill coverage, and a worry-free claims experience is the Care Supreme Plan by Care Health Insurance (previously Religare). It is appropriate to the families who want to have tailor-made coverage and wellness benefits in the new age healthcare setting.
| Plan | Bajaj Allianz Health Guard Gold | Care Supreme Plan |
|---|---|---|
| Sum Insured (2025) | 3 Lakh -1 Crore | 5 Lakh -1 Crore |
| Room Rent Limit | None (greater SI) | None |
| Procedures in Daycare | 600 and above; everything included | All covered |
| Pre/Post Hospitalisation | 60/90 days (60/180 days variant-wise) | 60/180 days |
| No-Claim Bonus (NCB) | Max 100 percent | Max 100 percent |
| Restoration Benefit | 100 percent once | Unlimited times |
| Wellness Program | Yes | Yes |
| Organ Donor Cover | Up to SI | Up to SI |
| OPD Expenses | Add-on | Add-on |
| Add-on Maternity Benefits | Add-on | Add-on |
| Cashless Network Hospitals | 8000+ | 21,000+ |
| Age Entry (Years) | 18 - 65 | 91 (child to 99 adult) days |
| Tax Benefits | Yes, according to IT act | Yes, according to IT act |
Expert View: In a comparison of modern family floater plans, most financial advisors suggest restoring benefit, cashless network size and waiting periods rather than sum insured. These are some of the aspects that can significantly contribute to the entire value and experience in the process of settling claims.
Fact: Both the insurers are increasingly covering daycare and robotic surgeries in 2025 compared to earlier policy year with the consideration of the speedy medical changes.
People Also Ask:
Q: Is it possible to include parents or in-laws in the Bajaj Allianz Health Guard Gold Policy?
A: Yes, family floater plan can add parents or the in-laws at additional premiums.
Did you know? More than 65 percent of families in the urban Indian cities now use single family floater plans as an alternative to multiple individual policies because it is more convenient and carries better premiums.
People Also Ask:
Q: Does Care Supreme have an upper claim limit?
A: No you can make infinite claims under your sum insured and restoration benefit as per the policy terms.
Opinions of Experts: The Care Supreme Plan unlimited restoration benefit is cited by many health advisors as future-ready especially to families with higher medical risk or with a record of high claims.
Case Study: Mishra Family Selection
Mr. and Mrs. Mishra (45 and 41 years) who have two children and aged parents compared the two plans in 2025. Having observed the chronic health condition of their parents, as well as their previous hospitalization, the patients appreciated the unlimited restoration and the short waiting time of the Care Supreme Plan. However on reviewing annual premium variations and increase in NCB, they thought to separate the policies: parents take Care Supreme, while younger nuclear family members take Bajaj Allianz Health Guard Gold in order to pay less in terms of premiums and cashless access to health check-ups.
People Also Ask:
Q: Is it easy to port Bajaj Allianz Health Guard Gold to Care Supreme Plan?
A: Yes, families are able to change policy providers at renewal through the health insurance portability norm, and this is underwritten.
| Name of the plan | Approx. Annual Premium (Rs) | Maternity add-on | PED Waiting Period | OPD Add-on |
|---|---|---|---|---|
| Bajaj Allianz Health Guard Gold | 25,000 -26,500 | Yes +3000 | 3 years | Yes |
| Care Supreme Plan | 27,500 -28,750 | Yes, + 2800 | 1-3 years | Yes |
Wait time in higher version at an extra charge.
The two policies are lifetime-renewable, i.e. you can remain insured permanently without age-related discontinuation.
Did You Know? A majority of the major insurance aggregators are now allowing customers to compare premiums, add-ons, and hospital networks offered by multiple companies in real time online, and can help customers to make a transparent decision on the best combination to meet their budget and requirements.
People Also Ask:
Q: Does that mean I claim Covid-19 related hospitalisation in these plans?
A: Yes, both the plans remain unaffected by Covid-19 and future epidemic hospitalisation in relation to the IRDAI norms, which is subject to policy terms.
Customers are showing a rising trend to shop online health insurance marketplaces to juxtapose features, sum insured plans, network hospitals and add-ons. This guarantees you make informed choices and in most cases open up to special online discount offers. Always do comparison across many companies before you settle on your purchase.
They are both the best family floater health insurance in India in 2025 with strong coverage and security through life. The Internet-based insurance exchanges allow you to see and compare features and purchase online.
Q1: Which is the more appropriate plan in senior citizens who have existing illnesses?
A1: Care Supreme, as waiting time is less with pre-existing diseases in higher variants.
Q2: Do I get to add maternity and OPD cover in both?
A2: Yes, the two plans provide them as optional features.
Q3: Does these policies provide cashless hospitalisation in India?
A3: Yes, they both have tie-ups with thousands of network hospitals across the pan India.
Q4: Can we increase the sum insured in the process of renewal?
A4: Yes, you may seek sum insured enhancement on renewal, underwriting.
Q5: What are the documents required in the purchase of these health insurance plans online?
A5: Authorities on basic KYC (ID, address proof), member information, medical history and in certain instances, pre-policy health check up reports.
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!
