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Care Insurance Care Supreme vs ICICI Lombard Elevate
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Care Insurance Care Supreme with similar Health Insurances
ICICI Lombard Elevate with similar Health Insurances
Compare Care Insurance Care Supreme and ICICI Lombard Elevate
Claims Track Record:
Care Insurance Care Supreme
Whenever it comes to settling claims, Care Health Insurance Company has a claim settlement ratio of 85.64% and claims incurred ratio of 56.19%. Also, 99.99% of claims were settled in less than 30 days. And, they have higher complaints related to claims as compared to other insurers.
ICICI Lombard Elevate
ICICI Lombard General Insurance boasts an impressive claim settlement ratio of 80.97% and a claims incurred ratio of 78.85%. They resolved 99.78% of claims within just 30 days and received fewer complaints than many other insurers.
Service Experience:
Care Insurance Care Supreme
Care Health Insurance provides customer service via its toll-free number and Twitter channel. According to our research, their Twitter response rate is slow and their toll-free response rate is quick. So, if you're in need of an immediate response, the toll-free number may be the better option.
ICICI Lombard Elevate
Customer support at ICICI Lombard is accessible via a toll-free helpline and its Twitter account. While the toll-free response time is average, itās important to note that Twitter responses can be slower.
Product Benefits:
Care Insurance Care Supreme
The Care Insurance Care Supreme Plan provides coverage for hospitalisation expenses as well as pre and post-hospitalisation expenses. Pre-hospitalisation expenses are covered for 60 days before hospitalisation and post-hospitalisation expenses are covered for 180 days after discharge - up to the sum insured. The insurer also covers all day care treatments, domiciliary treatments (except 12 illnesses), organ donor expenses related to harvesting the organ, and modern treatments up to the sum insured. Consumables are also covered up to the sum insured if you opt for an add-on. Care Insurance Care Supreme Plan gives you the freedom to choose any room without imposing any limit. There is no ICU rent limit and copayment/deductible limit. Furthermore, the insurer doesnāt impose any limit on common treatments/surgeries like cataract treatment, joint replacement surgery, etc. Under the Care Insurance Care Supreme Plan, pre-existing diseases have a 12-month waiting period (if you opt for an add-on) and specific diseases have a 24-month waiting period.
ICICI Lombard Elevate
The ICICI Lombard Elevate Plan provides comprehensive coverage that encompasses hospitalisation costs, as well as pre and post-hospitalization expenses. Pre-hospitalization expenses are covered for up to 90 days before admission, while post-hospitalization expenses are covered for up to 180 days after discharge, both within the sum insured. Additionally, the policy covers all daycare treatments, domiciliary treatments (except for 15 illnesses), expenses of donors for organ donation procedures, and modern treatments all up to the sum insured. Please note that non-medical expenses are covered up to the sum assured as an add-on. Moreover, the plan offers the flexibility to choose any room without imposing room rent limits, though it is available as an add-on. There are no limits on ICU rent or deductibles. Also, this plan offers an optional co-payment of 10% to 50%. The policy covers common medical treatments and surgeries, such as cataract and joint replacement surgeries, up to the sum insured. However, itās important to note that pre-existing conditions and specific conditions have a 12-month waiting period (as an add-on). As an add-on, this plan allows a 90-day waiting period for conditions like BP, Diabetes, and Heart Disease (unless these diseases are classified as pre-existing conditions).