🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: September 19, 2025
The Care Supreme Plan and HDFC Ergo Optima Select Plan are both leading health insurance options in India, but they differ in key features and suitability. The Care Supreme Plan by Care Health Insurance offers customizable sum insured options (up to ₹1 crore), wellness rewards, no-claim bonus up to 150%, and coverage for modern treatments, making it ideal for individuals seeking comprehensive and flexible coverage. HDFC Ergo’s Optima Select Plan stands out for its zone-based premium pricing, affordable premiums, and unique feature allowing higher sum insured at lower premium when treatment is taken in network hospitals, with restore benefits for sum insured. However, it has sub-limits if you opt for treatment outside your chosen zone. Those prioritizing comprehensive benefits and added features may prefer Care Supreme, while budget-conscious policyholders or those seeking cost-effective sum insured enhancement might lean towards HDFC Ergo Optima Select.
Author
Read Bio
Reviewed by
Read Bio
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!
