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Last updated on: September 19, 2025
The Bajaj Allianz Health Guard Family Floater Gold Plan and Care Supreme Value Plan are popular health insurance options in India, each catering to family coverage needs. Bajaj Allianz offers comprehensive hospitalization coverage, maternity and newborn benefits, pre and post-hospitalization expenses, and a wide hospital network, making it suitable for families seeking extensive protection. In comparison, Care Supreme Value Plan provides similar core benefits, but is often more budget-friendly and includes wellness rewards, global coverage (on select variants), and higher No Claim Bonus (NCB) potential. While Bajaj Allianz stands out for its robust benefits and customer support, Care Supreme attracts policyholders with affordability and unique add-ons. Choosing between the two depends on your family’s specific health needs, desired features, and budget, making it essential to compare exclusions, sum insured options, and premium amounts before making a decision.
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Finding the most suitable health insurance to your family in India may not be an easy task given the number of available options offering very wide lists of features and value. With the year 2025 in sight, two health insurance policies have emerged as leading preferences of the Indian families Bajaj Allianz Health Guard Family Floater Gold Plan and Care Supreme Value Plan. The two plans have their own advantages and they have broad coverage requirements but what is the actual comparison between them?
This overall Indian health insurance comparison dissects the major details of these two plans, their coverage benefits, restrictions and practical benefits. It can make you choose between Bajaj Allianz Health Guard Gold. family floater and Care Supreme Value covering your family better in 2025.
At the end you will get to know:
Now, we are going to deep dive into the comparison of these two powerhouse health insurance options that are best suited to Indian households.
The Bajaj Allianz Health Guard Family Floater Gold Plan is a family-friendly premium health insurance scheme, which allows you to insure more than one member. By 2025, it enjoys popularity among those who would like to have a more inclusive coverage, convenient cashless treatment in a broad network of hospitals, and user-friendly digital servicing provided by Bajaj Allianz.
Did You Know?
According to industry observers, cashless claims at Bajaj Allianz network are settled in an average of 3.4 days, which is relative to many other insurers according to the 2025 data of IRDAI.
The Care Supreme Value Plan is a care health insurance individual or family floater health insurance that aims at the lower-end of the market in terms of cost and yet provides extensive coverage and additional advantages such as wellness benefits and unlimited restoration.
Did You Know?
In 2025, as reported by IRDAI customer survey, Care Supreme Value was 3 rd position in terms of its claim approval rates and digital servicing.
People Also Ask:
Q: Which plan will provide greater access to hospital with cashless networks?
A: Care Supreme Value provides coverage to over 22,000 hospitals compared to Bajaj Allianz of over 8,000. Compare with the list of your nearest cities.
The two plans have family floaters, pre and post hospitalisation, and they meet the needs of Indian family health however there are major differences in terms of limits, optional covers and the eligibility.
The following are features included in Bajaj Allianz Health Guard Gold Plan Care Supreme Value.
| Bajaj Allianz Health Guard Gold | Care Supreme Value | |
|---|---|---|
| Sum Insured Options | [?]1.5 lakh - [?]50 lakh | [?]5 lakh - [?]1 crore. |
| Entry Age | -3 months 65 years to 75 years | 91 days to 75 years. |
| Maximum Family Size | 6 family members allowed. | |
| No Claim Bonus | Up to 100% | Up to 50% |
| Room Rent Limit | No capping of more than [?]5 lakh coverage | No capping of any coverage. |
| No-Claim Restoration | Once in a policy year | Unlimited, each time sum insured is depleted in year |
| Maternity & Newborn | Optional add-on, 2 year waiting | Optional add-on, 2 year waiting |
| OPD Expenses | Not covered | Not covered |
| Wellness Benefits | Yes (discounts, checkups) | Yes (wellness rewards, checkups) |
| Pre-Existing Waiting | 3/4 years | 3 years. |
| AYUSH Coverage | Yes | Yes |
| Day Care Procedures | All procedures | All procedures. |
| Domiciliary Hospitalisation | Covered | Covered. |
| Premium on [?]10L (2 adults 2 kids, 35 yrs, No PED) | ~[?]16,000 per year | ~[?]18,500 per year. |
Numbers according to product brochures released as 2025; premiums can differ by city, age and optional add-ons.
Best fits: Families that want brand familiarity, solid claims and extensive features in a single plan at affordable rates.
Added Value: Add-ons can include critical illness cover, recovery benefit and accidental hospitalization add-ons.
It is ideal in: Larger families, high sum insured seekers, and those who want unlimited sum insured restoration.
Added Value: Prevention-focused, wellness programs and twice-restoration this year.
People Also Ask:
Q: What is sum insured restoration and what is the importance of it?
A: Restoration occurs when an insurer replenishes your sum insured when consumed in a policy year- very useful in situations when two family members are admitted to hospital right after each other.
The following is a comparison of key characteristics of these plans to those considered by families:
Expert Insight:
In a scenario of 12 percent medical inflation in 2025, Dr. Ritu Mehra, independent insurance advisor, says that health plans that have restoration and wellness rewards insulate families against the unwanted costs of repeat illness in case of unexpected costs.
In Pune, a 38-year-old couple, Gaurav and Priya Sharma with two school-going children compared the two health insurance products online. What they want: daycare coverage, no hidden room rent, easy to do digital claim process, all under [?]20,000 premium per year. They found that Care Supreme Value had higher unlimited restoration and a broader cashless hospital network after comparing both plans through an impartial insurance marketplace, although the price was slightly greater. Most worthy of them was the peace of mind of not being out of insurance on a bad year.
People Also Ask:
Q: So, on which is cheaper between Bajaj Allianz Gold and Care Supreme Value, middle class families?
A: Bajaj Allianz Gold usually provides signal lower annual premium of [?]10 lakh cover and is pocket friendly to nuclear families.
Expert Insight:
The unlimited restoration is the great advantage of Care Supreme Value. But in the case of smaller families and simple cover requirements, Bajaj Allianz Gold could be within the budget limit, says experienced agent Sunita Patel.
| Left feature | Bajaj Allianz Health Guard Gold | Care Supreme Value Plan. |
|---|---|---|
| Pre-Existing Disease WP | 3 or 4 years | 3 years. |
| Maternity Waiting | 2 years (add-on) | 2 years (add-on) |
| Specific Disease WP | 2 years old | 2 years old. |
| OPD Cover | Not included | Not included |
| Uncovered Treatments Not Covered | Cosmetic, self-inflicted, dental (except accidental) | Cosmetic, self-inflicted, dental (except accidental) |
Today, the process of family health insurance comparison in India would be a lot easier when it comes to online insurance markets. True to its name you can look at product features, premiums, hospital lists and claim settlement history in real-time - all in the same location before you make a decision. This saves time, stress and you are guaranteed of purchasing a really useful policy to your family.
Did You Know?
National Health Stack data show that greater than 75 percent of urban India families under 40 years old were purchasing health insurance online by 2024.
The decision to select Bajaj Allianz Health Guard Family Floater Gold Plan and Care Supreme Value Plan in 2025 only rests on budget, family size and how strong your coverage needs to be.
Q1: Is both the plans inclusive of COVID-19 related hospitalisation in 2025?
A: Yes, as per the latest IRDAI guidelines, both Health Guard Gold and Care Supreme Value includes COVID-19 in normal hospitalization.
Q2: Can cashless claims be readily processed under the two plans?
A:Insurers are both capable of providing effective digital claim portals and helplines and most cashless claims require a time of 3-5 working days to settle, according to current statistics.
Q3: Is one able to change the insurer after one year?
A: Portability is allowed in the IRDAI regulations. Keep Policy in force and file portability request 45 days prior to expiry.
Q4: Which is the superior option to cover the elderly parents?
A: Care Supreme Value is in the age of 75 and includes seamless restoration, so it is frequently chosen with the old age, but Bajaj Allianz has good inclusions regarding seniors as well.
Q5: Where might I match these policies to others?
A: Go with trusted online insurance entities, where the product benefits, premiums and reviews are expressed publicly in front of you before you get to purchase.
| Criteria | Bajaj Allianz Health Guard Gold | Care Supreme Value. |
|---|---|---|
| Period of entry | 3 months - 65 years | 91 days - 75 years |
| Max. Sum Insured | [?]50 lakh | [?]1 crore |
| Restoration Option | Once a year | unlimited. |
| Premium ([?]10 lakh cover)* | ~[?]16,000/year | ~[?]18,500/year |
| Network Hospitals (2025) | 8,000 plus | 22,000 plus |
| No Room Rent Cap | Yes (provided that exceeds [?]5 lakh SI) | Yes. |
| Wellness Rewards | Yes | Yes |
| Maternity/Newborn | Add-on, 2-year wait | Add-on, 2-year wait. |
| Senior Parents Inclusion | Yes | Yes. |
Premium of non-smoking family of 4 (35 as avg) in Tier 1 city in 2025. Actual costs vary.
The choice of the appropriate family floater plan is concerned with a balance between the premium, benefits, and the long-term claims satisfaction. Before making a decision, evaluate the size of your family, their needs and their comfort with digital services.
How to do it, refer to the current IRDAI returns and the official brochures of the insurers revised in 2025.
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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