Care Supreme Health Insurance Plan

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Care Supreme health insurance plan allows policyholders the security of health as well as finance with this complete healthcare plan and its widespread advantages. The cost-effectiveness of the policy makes it one of the best value plans to take care of your key healthcare costs. The ‘Cumulative Bonus Super’ – a feature that enhances the sum assured of the plan in 5 successive years - along with other add-on benefits and discounts makes it a top-notch health plan to opt for.

Highlights of Care Supreme - Care Health Insurance

Claim Settlement Ratio – 100 %

NCB* - 50% of SI, max up to 100%*

PED Waiting# - 48 months

Network Hospital – 24800+

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Pros & Cons of Care Supreme by Care Health Insurance

The best feature of the Care Supreme Plan is that it offers up to 500% of ‘Cumulative Bonus Super’ to enhance sum insured

The plan doesn’t levy any sub-limits and caps against costs of hospitalization, Domiciliary costs, organ donor cover and AYUSH treatment etc.

Further, the plan allows the policyholder to enjoy unrestricted and automatic recharge of the sum insured so that the insured individuals can stay covered continuously

A 30% discount is also allowed under the wellness benefit of the plan to boost the fitness level of policyholders

In addition, you also get unrestricted e-consultations and unique discounts on consultations, diagnostics, and pharmacy etc.

When it comes to the list of exclusions, the care supreme plan excludes all OPD treatments

Expenses that are associated with the treatment of injuries caused by attempted suicide or any self-inflicted injury is also excluded under the plan

Any expense that arises due to the excess consumption or abuse of alcohol/ tobacco/drugs etc. are excluded

Dental treatment expenses as well as expenses of contact lenses and spectacles without hospitalization is also excluded under the plan

Treatment costs of infertility, miscarriage, abortion or childbirth, etc. are also not included under the plan

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Care Health
Insurance Company

Care Health Insurance Company (Formerly known as Religare Care Health Insurance Company Limited) is a part of Religare Group established in July 2012. It is a direct subsidiary company of Religare Enterprises Limited. Care Health is a leading player in the health insurance industry of India. It is a specialised health insurance provider offering a suite of insurance solutions in the retail segment. Its plans include International Travel Insurance, Health Insurance, Personal Accident, Critical Illness and Top-up coverage along with Group Health Insurance for Corporates and Companies.

Founded in

2012

Claim Incurred ratio

53.82%

Number of Policies

2,635,587

Turnover (GWP)

Rs 5,141.53 Crore

JV Partners

Religare Enterprises Limited, Union Bank of India, and Corporation Bank.

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.99%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.51%

Claims Incurred Ratio

56.19%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

100% (2022-23)

No. of Cashless Hospitals

24800+

Benefits of Care Supreme by Care Health Insurance

In-patient Hospitalization
ICU Rent Limit	No limit
Room Rent Limit	No limit
Pre & Post Hospitalization
Post-hospitalization expenses are covered	Up to the Sum Insured
Post-hospitalization expenses are covered for up to	180 days after the date of discharge from the hospital
Pre-hospitalization expenses covered	Up to the Sum Insured
Pre-hospitalization expenses covered up to	60 days before hospitalization
Day Care Treatment
Financial Limit	Up to SI or sum insured
No. of treatments covered	541+ Daycare treatments covered

Top Health Insurance Plans by Care Health

Care Plus

Care Classic Insta

Care Advantage

Sahi Advice,
Sahi Insurance

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Ask Anything as We Have Answers to Everything in Insurance

Yes, you can add up to 2 children along with 2 adults under the care supreme health insurance plan.

Yes, the policyholder might have to undergo pre-policy health check-ups depending on the current health status of the person before buying the care supreme plan.

Yes, the policy offers the benefit of yearly health check-ups as an added benefit along with the base plan.

Under the care supreme policy, you get covered all through the policy year with unlimited recharge done automatically. So, under this plan the coverage amount gets replenished automatically every time your sum assured gets exhausted.

Yes, you can pay the premium of your Care Supreme policy in half-yearly, quarterly or monthly installments.

T&C

The Cumulative Bonus Super allows the insured to boost sum assured by up to a maximum amount of 500% of SI in 5 consecutive years. The plan allows 100% incremental increase each year on base sum insured
Expenses related to the treatment of a pre-existing Disease (PED) and its complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy