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Last updated on: September 19, 2025
The Care Supreme Plan and Digit Double Wallet Plan are both popular health insurance options in India, but they cater to different needs. The Care Supreme Plan, offered by Care Health Insurance, emphasizes extensive coverage with benefits like high sum insured options, no claim bonus, and add-on covers for annual health check-ups and OPD expenses. In contrast, the Digit Double Wallet Plan by Digit Health Insurance stands out for its unique “double sum insured” feature, which instantly restores your sum insured upon exhaustion, making it appealing for families or individuals who may face multiple hospitalizations. While Care Supreme is ideal for comprehensive, customizable protection with wellness benefits, Digit Double Wallet offers exceptional value if you prioritize unlimited or repeated coverage within a policy year. Your choice depends on your preference for broader benefits (Care Supreme) versus maximizing claim opportunities (Digit Double Wallet).
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Health insurance has now become one of the indispensable conditions of every Indian family due to the increasing medical expenses and jumbled medical emergencies. As new-age insurers provide various customized policies, it may be hard to select the most suitable insurance policy. The Care Supreme Plan by Care Health Insurance and the Digit Double Wallet Plan by Go Digit Health Insurance are considered to be two of the most popular in 2025. To make the correct decision, this article will be an in-depth comparison of the benefits, features, premiums, claim processes, and opinions expressed by experts.
The Care Supreme Plan is aimed at individuals and families that seek to have a broad health cover with value additions like annual health checkups, increased sum insured, and simplified digital operations. It also serves both metro and non-metro cities and is appropriate to all ages.
The Digit Double Wallet Plan, which is one of the new health insurance plans by Go Digit, is one that centers on getting more coverage when making claim. The most commendable aspect of it is the double sum insured restoration that enables you to use the same and the restored cover on the same or different illnesses within a year. This is appropriate to the family and those who are working professionals and wish to have more protection on multiple claims.
As indicated in IRDAI figures at the beginning of 2025, the mean size of claims made through urban plans increased by 9 percent year on year and comprehensive policies are more pertinent than ever.
| Option/ Feature | Care Supreme Plan | Digit Double Wallet Plan |
|---|---|---|
| Sum Insured | 5 lakh to 1 crore | 2 lakh to 1 crore |
| Restoration Benefit | 1 time (even in same illness) | 2 times |
| Room Rent | No limit | Single AC single private room |
| Day Care Treatment | Yes, all covered | Yes, all covered |
| Annual Checkup Health | All members | All adult members |
| No Claim Bonus | Up to 100 percent | Up to 50 percent |
| Maternity Add-on | Yes | Yes |
| Waiting Period (PED) | 3 years | 3 years |
| Wellness/Rewards | Yes | Yes (when added-on) |
Care Supreme Plan has a hassle free claim settlement mechanism. There are more than 13, 000 cashless hospitals in India. The claims can be submitted 24/7 through mobile application or portal. Many of the cashless requests do not require documents, and thus they can be approved quickly. An average of 2 to 5 working days is taken to settle claims as long as all the details are available.
Digit Double Wallet plan also offers fully digital and cashless settlement of claims. In 2025, the panel hospital network will go beyond 10,000 throughout India. The process of Digit is characterized by quick approvals, in which the intimation of claims can be made in fewer than two clicks on their application rather than the restrictions that are present in most other policies. Unique to Digit, two claims (with double restoration) may be entertained even in relation to related medical conditions within the same policy year.
People Also Ask: Is it possible to port between Care Supreme and Digit Double Wallet Plan or the reverse?
Yes, there is IRDAI that enables portability among health insurers during renewal. You are supposed to apply 45 days prior to renewal.
Care Supreme Plan:
Digit Double Wallet Plan:
A 2025 survey by PolicyBazaar indicated that out of the families with young children, over 68 percent opted to take double restoration policies because of the high rate of recurrent illnesses.
Premium is an important consideration among the Indian families when it comes to health insurance. The following is an approximation of the annual premium of a family of 2 adults and 1 child (metro city, 10 lakh sum insured) in 2025:
| Plan | Annual Premium (Approximate - INR) |
|---|---|
| Care Supreme Plan | 25,500 to 28,000 |
| Digit Double Wallet | 24,000 to 26,800 |
Remember, the real premium will be based on age, city, optional add-ons and medical history.
The Care Supreme Plan and the Digit Double Wallet Plan are both stronger depending on family size, risk profile and preference.
The Care Supreme Plan is the ideal plan to those who do not mind annual health checkups, increased no-claim bonus and wellness benefits on all members including children.
Digit Double Wallet Plan is one that is best suited to families facing frequent hospitalization, or families that fear to deplete the sum insured because of the high number of claims within the same year. Its doubled restoration is its best advantage, particularly among the individuals having a history of frequent or chronic illnesses.
People Also Ask: What do you need to claim cashless health insurance?
In the case of both, cashless claims require hospitalization ID card, KYC details, and medical summary.
Online review customer satisfaction scores in 2025 indicate:
Both have low complaints but Care Supreme has a slight higher post-claim service reviews.
Since the end of 2023, digital claim settlement has decreased the average discharge time per hospital by 20 percent.
The Care Supreme Plan is an excellent choice of a health cover with the highest number of checkups and health rewards per each member of the family.
Digit Double Wallet is incomparable to other wallets in terms of value, in case your family requires the flexibility of multiple claims, or is worried about the loss of sum insured as a result of chronic sickness or frequent hospitalization.
People Also Ask: Could I purchase both Care Supreme and Digit Double Wallet Plans together?
Yes, the two plans can be bought together with additional cover, though duplicating claims will require inter-company coordination.
Q: Is Digit Double Wallet Plan maternity covered such as Care Supreme?
A: Yes, but on an add-on basis only and with waiting period. They both offer maternity cover as optional subject to some conditions.
Q: How long is the waiting period of both plans with a pre-existing disease?
A: Both Care Supreme and Digit Double Wallet have the standard waiting period of three years.
Q: Does cashless claim apply in every hospital?
A: Both plans allow cashless claim in network hospitals, so you have to confirm the current list of networks when you are admitted.
Q: Is it possible to purchase health insurance online among parents over 60 years?
A: Yes, online purchase and online renewal of senior citizens is available in both plans but a pre-policy medical checkup is mostly needed.
Q: Which one among the two is the cheapest?
A: In most cases of metros, Digit Double Wallet is slightly less expensive. True cost is based on profile and add-ons.
Q: Do they cover OPD expenses in both?
A: Care Supreme includes an optional OPD cover; Digit Double Wallet usually does not, but as an add-on in some cities.
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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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