Care Health Care Supreme vs SBI General Super Health Platinum Infinite
Side by side on the figures that decide a claim — and which one we would actually pick.
We score Care Health Care Supreme higher at 4.5/5 against 4.1/5, winning 5 of the 9 comparable measures. Care Supreme is the cheaper of the two on the illustrated profiles.
Side by side
| Measure | Care Health Care Supreme | SBI General Super Health Platinum Infinite |
|---|---|---|
| Myinsurancebro Score | 4.5 / 5 | 4.1 / 5 |
| Claim settlement ratio 3-year average | 95.45% | 95.94% |
| Complaints per 10,000 claims Lower is better | 42.67 | 14.04 |
| Cashless hospitals | 22100 | 18000 |
| Annual health premium | ₹8,404.67 Cr | ₹4,974.56 Cr |
| Sum insured available | ₹5 L – ₹1 Cr | ₹50 L – ₹2 Cr |
| Restoration of cover | Unlimited automatic recharge | Unlimited from the 1st claim, up to 200% of cover per claim |
| No-claim bonus | Up to 100%, extendable to 500% or unlimited via add-on | Health Multiplier — up to 3× cover for 37 serious illnesses |
| Pre-existing disease wait | 3 years | 2 years |
| Specific illness wait | 2 years | 1 year |
| Maternity cover | Not covered | Covered on Platinum Infinite — waiting period 48 months (single adult) / 24 months (other family combinations), cover up to ₹2 Lac |
| Room rent limit | No limit on ₹10 L and above | No limit — any room category |
| Consumables covered | Claim Shield Plus add-on — 146 items | Built into the base plan |
| Premium — couple, 31 & 32 | ₹21,528 | ₹61,568 |
| Premium — seniors, 62 & 63 | ₹78,923 | ₹1,13,250 |
Care Supreme
Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
Against it
- 42.67 complaints per 10,000 claims — nearly five times HDFC ERGO. This is the headline problem
- 95.45% settlement ratio is respectable but trails HDFC ERGO by two full points
- No complimentary annual health check-up
- Consumables need the paid Claim Shield add-on rather than being built in
- Room rent is capped on the ₹5 lakh variant
Super Health Platinum Infinite
The most feature-complete plan on this list and, unavoidably, the most expensive. The two features worth paying for are the 2-year pre-existing disease wait and restoration from the first claim — both directly reduce the odds of a claim being declined in the early years. That combination makes it worth a serious look if you are covering parents with existing conditions, where the third waiting year is a genuine risk. For a healthy 25-year-old it is dramatic overkill; Activ One MAX does the job for a quarter of the price.
Against it
- By far the most expensive — ₹45,944 for a 25-year-old, over four times Activ One MAX
- The ₹50 lakh minimum base cover forces you into a large policy whether you want one or not
- Global cover and the Health Multiplier are restricted to listed conditions only
- Renewal discounts are tied to step counts, which will not suit everyone
- Note that the premiums shown are at ₹50 lakh cover, not the ₹15 lakh used for the others
Which one we would pick
Care Health Care Supreme, on balance — 4.5/5 against 4.1/5. Where Care Supreme is ahead: myinsurancebro score, cashless hospitals, annual health premium, premium — couple, 31 & 32, premium — seniors, 62 & 63. Where Super Health Platinum Infinite is ahead: claim settlement ratio, complaints per 10,000 claims, pre-existing disease wait, specific illness wait.
A score ranks plans on the evidence available; it cannot know your health history, your dependants or which exclusion will matter to you in ten years. Where the two are close, the deciding factor is usually the text rows above — room rent, waiting periods, exclusions — read against your own circumstances.
Scores are plan features 45%, insurer strength 45%, premium 10% — how we score plans.
Frequently asked questions
Which is better, Care Health Care Supreme or SBI General Super Health Platinum Infinite?
We score Care Health Care Supreme higher at 4.5/5 against 4.1/5. Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
Which of the two settles more claims?
SBI General — 95.94% against 95.45%. Read it beside complaint volume: Care Health draws 42.67 complaints per 10,000 claims and SBI General 14.04 complaints.
Which is cheaper?
Care Health Care Supreme, on the illustrated profiles in the table above. Premiums are illustrations for a stated profile, not quotes — your own depends on age, health, city and underwriting.
Read the full reviews
Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.