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Last updated on: September 19, 2025
The Care Supreme Plan and Digit Infinity 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, focuses on comprehensive coverage with high sum insured options, wellness benefits, annual health checkups, and coverage for pre- and post-hospitalization expenses. In contrast, the Digit Infinity Wallet Plan by Digit Insurance stands out for its innovative ‘Infinity Wallet’ feature, which offers truly unlimited sum insured by reinstating the insured amount after every claim. While Care Supreme provides more wellness-related features and optional add-ons, Digit Infinity is ideal for those looking for limitless coverage, especially against rising medical costs. Choosing between the two depends on whether you prioritize wellness benefits and flexible add-ons (Care Supreme) or unlimited coverage to handle multiple or high-value claims (Digit Infinity Wallet Plan).
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Coming to the health insurance plans in India in 2025, two of the most prominent plans can be distinguished: Care Health Insurance Care Supreme Plan and Digit Infinity Wallet Plan by Go Digit. There are many similarities between both schemes such as the advanced medical coverage, value-added benefits, and flexible terms of the policy, but which one works better in family, individuals or seniors needs? This article provides you with an unbiased and up-to-date comparison by using the latest information in the year 2025 as the latest comparison which you can conduct to make the right choice of policy.
Care health Insurance has launched Care Supreme Plan to provide extensive medical cover to individuals and their families. The plan is aligned to suit the changing healthcare needs in India to provide the bespoke alternatives and strong coverage against various healthcare costs.
Pros:
Cons:
Expert Insight:
Health insurance analysts estimate that by 2025, Indians will be concerned more with ceaseless insurance and flexibility in payment, which Care Supreme considers with contemporary add-ons.
Important Question - What are the covered illnesses in the Care Supreme Plan?
The large majority of hospitalisation costs related to accidents, medical illnesses, including COVID 19, organ transplants, and even some day care operation are all standard. Add-ons can also be used to cover critical illnesses and certain treatments.
The Infinity Wallet Plan of Digit is under the innovative health policies of Go Digit with an outstanding Infinity Wallet option. This is so that the sum insured is refillable indefinitely within the policy year regardless of the number of times that you claim- inimitable in the event of prolonged periods of serious illness, or when you have so many family admissions.
Pros:
Cons:
Did you know?
Infinity Wallet is practical because Digit Insurance reported that more than 25 percent of health claims utilized the refill feature at least once in 2024, which the authors found significant.
Critical Frequently Asked Question - What is unique about Digit Infinity Wallet Plan?
Unlimited refill is the most unique one because in case your original amount insured runs out in the middle of the year, it is reinstated in future claims hence it is really beneficial to have this with families, or in cases of a prolonged illness.
Comparing the Care Supreme Plan and Digit Infinity Wallet Plan, the following is a viable comparison on a side-by-side basis according to the most pertinent parameters in 2025:
| parameter | Care Supreme Plan | Digit Infinity Wallet Plan |
|---|---|---|
| Sum Insured Range | Rs 5 lakh - 1 crore | Rs 5 lakh - 1 crore |
| No of Network Hospitals | 22,000 plus | 11, 000 plus |
| Infinity Wallet | No, 100 percent restoration available | Yes, unlimited refills; infinity wallet. |
| Family Floater Members | Maximum of 6 | Maximum of 9. |
| Health Check up | Annual, all insured | Annual, members above 18. |
| Maternity Cover | Limited cover | Add-on. |
| Bonus (NCB) | Up to 150 percent | Up to 50 percent |
| Room Rent Limit | May apply in basic plans | No limit on individual private room. |
| Global Cover | No | Yes, emergency hospitalisation. |
| OPD/Day Care Cover | Day care was an addition to both | Day care and OPD. |
| Waiting Period (PED) | 36 months or so | 36 months. |
| Claim Process | App based, fast | App and online, instant approval. |
| Premium (Indicative, 30 yrs) | Rs 12,500/per year | Rs 13,800/per year. |
Source: 2025 plans on insurer websites, 2025.
Key FAQ - Which between big family or joint family, is better covered?
Digit Infinity Wallet Plan provides the option of a single policy to cover up to 9 family members which makes it more appropriate when dealing with large families or joint set up. The family floater of Care Supreme goes up to 6 members.
Expert Insight:
Experts indicate that the Infinity Wallet feature could be more beneficial to larger families, and those worried about multiple, high value claims being made in a given year, as the feature provides a better peace of mind in worst case scenarios.
When the health needs differ, it is important to customise. Both strategies have custom add-ons though they are handled differently.
Care Supreme Plan
Digit Infinity Wallet Plan
Important questions - Does it have a waiting time regarding maternity or pre existing illnesses?
The majority of health insurance schemes such as Care Supreme and Digit Infinity Wallet are subject to a 36 months waiting period of pre existing conditions. The waiting period of maternity cover is between 9 and 24 months based on the insurer and choice of the plan.
Did you know?
IRDAI 2025 recommendations suggest a reduction in waiting time in both OPD and critical illness add-ons and some insurers announce new conditions to new buyers.
Fast and hassle free claims make a lot of difference to many of the users.
Care Supreme Claim Process
Claim Process, Digit Infinity Wallet.
FAQ of great importance - What is the effect on policyholders on the claim settlement ratio?
A great settlement rate provides the assurance that genuine claims will be settled. Digit has a slight advantage over the rapid, app based settlements, which makes it convenient with tech savvy customers both in cities and towns.
Expert Insight:
Insurance claim experts suggest that one should examine not only a settlement ratio but also turnaround time and cashless tie ups since these factors directly relate to recovery and peace of mind.
The target of both plans has very slight differences in customer priorities.
Choose Care Supreme Plan if:
Select Digit Infinity Wallet Plan when:
FAQ - Is there a disadvantage of choosing Infinity Wallet Plan instead of Care Supreme?
Although the unlimited refill is a great positive, a little more premium base or the network of hospitals can be of concern to a few. Assess your tie ups and affordability of premiums in your local hospital.
Majority of the policyholders in the metro cities indicate satisfaction over speedy claim approvals and clear policies by the two insurers. Smaller towns users are more likely to choose Care Supreme due to the wider cover of hospitals whereas joint families and internationals users are more inclined towards the Infinity feature of Digit.
In early 2025, according to the results of a survey, families earning over 2 claims annually were glad to have had the repeat refill of the plan provided by Digit, and single or couple families who prioritize regular check-ups were more likely to choose Care Supreme.
Major FAQ - Do you have any hidden costs or co payments?
Both plans tend not to include clauses about co payment to the younger policyholders, but they would always look into the policy terms in your age slab. Quoted premiums normally include taxes and charges, however, GST will be charged.
Did you know?
According to the recent IRDAI guidelines, by 2025 all the insurers will be required to specify co payment, sub limit, and exclusion clauses in a clear and obvious manner at renewal and onboarding.
What is the unlimited sum insured refill of health insurance policy in 2025 in India?
The Infinity Wallet Plan provided by Go Digit is a plan that provides the sum insured with unlimited refill during one year of policy.
Does the Care Supreme Plan exist across all the states in India?
Yes Care Supreme is a pan India, however, always check network hospitals in your vicinity prior to purchase.
Is it possible to change Care Supreme to Digit Infinity Wallet in one year?
Yes, IRDAI permits portability norms at the time of renewal with terms.
Are they inclusive of COVID 19 and contemporary treatment?
The two plans cover COVID 19 and majority of the advanced treatments, but under policy specifications.
What is the optimal health insurance of a family of 6 or more in 2025?
Digit Infinity Wallet Plan can have up to 9 family members under a single floater.
Is a cashless hospitalisation smooth with all the insurers?
They both have effective cashless claims, although make sure that the hospital of your choice is in their own cashless network.
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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