Care Supreme Health Insurance Plan

4.5

Paybima Rating

Policy Brochure

Policy Wording

Claim Form

One unexpected illness and you may end up losing years of your savings. Scary, right? Well, it is. It is for situations like this that you need health insurance. Whether it's a surprise illness, a broken bone, or some other sudden health issue, having health insurance is like having a quiet superhero, allowing you to receive the care you deserve and need, without the financial stress.

Care Supreme is one such health insurance plan that is suitable for both individuals and families. It has everything: robust coverage and unique benefits, such as a Cumulative Bonus Super that helps enhance your safety net. Further, you get all this at reasonable premium prices.

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+

No cap on e-consultations and discounts on pharmacy, diagnostics, and consultations.

A 30% premium discount as a wellness benefit.

No cap on hospitalisation expenses, organ donor cover, AYUSH, etc.

A cumulative Bonus Super of up to 500% of your sum insured.

Get all your insurance related queries answered

Care Supreme Health Insurance Plan: Highlights

Here are some of the highlights of the Care Supreme Health Insurance Plan:

Particulars	Details
Policy Name	Care Supreme
Insurance Company	Care Health Insurance
Sum Insured Options	₹7 lakhs ₹10 lakhs₹15 lakhs ₹25 lakhs₹50 lakhs₹1 crore
Add-ons	Annual Health Check-Ups Commutative Bonus SuperWellness Benefits Air Ambulance Cover Claim ShieldCare OPDInstant CoverReduction in PED Wait PeriodBe-fit
Entry age	Minimum : 18 years for adults 90 days for a child Maximum : 99 years for adults 24 years for the child
Renewability	Lifelong
Waiting period	An initial waiting period of 30 days 24 months for named ailments36 months for PED (Pre-existing diseases)
Network hospital	21700+ healthcare providers
Best suited for	Individuals and families

Wish to Enhance Your Coverage? Take a look at the Riders Available with the Care Supreme Health Insurance Plan

As mentioned, Care Supreme Health Insurance offers a variety of add-ons for you to choose from. Availing of these policies according to your needs can make them more comprehensive and customised for you. Here are some popular add-ons.

Add-on Covers	Details
Annual Health Check-Ups	Stay healthy and fit with access to one health checkup per year. The medical tests can be easily booked, and pre-selected tests can be availed for free.
Commutative Bonus Super	Commutative Bonus Super can help you increase your sum insured (SI) by up to 500% in just 5 years. Plus, a 100% incremental increase is applicable on the base SI.
Care OPD	Enjoy coverage of 4 general physician consultations and 4 specific consultations per year from a list of 14 specified specialists like psychiatrists, neurologists, cardiologists, paediatricians, and so on at a maximum charge of just ₹500.
Instant Cover	This add-on benefit helps you claim hospitalisation expenses immediately after the initial 30-day waiting period. Applicable to diseases like asthma, diabetes, etc.
Wellness Benefits	A 30% discount can be availed on policy renewal by simply completing the active day's target. (1 active day, 10,000 steps per day)
Air Ambulance Cover	This add-on benefit can help you cover the cost of transferring a patient via air ambulance. Therefore, we help you find the right treatment, regardless of your location.
Reduced PED Wait Period	Lessen the waiting period for specified pre-existing diseases with this add-on benefit.
Claim Shield	An add-on to cover the expenses of non-payable items like gloves, masks, and so on.
Be-fit	With this add-on, members aged 12 years and above can avail unlimited visits to fitness centres.

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

Features and Benefits of the Care Supreme Health Insurance Plan

Care Supreme is designed to enhance your financial security and healthcare. The aim is simple: to offer unique and comprehensive benefits at reasonable prices. Timely investing in the policy can help you address three significant concerns related to insurance, savings, fitness, and healthcare security.
Here are some key features and benefits of Care Supreme to look out for.

An Extensive Plan

Care Supreme is an extensive plan that offers wide coverage. Some of its key benefits include inpatient care, daycare treatment, room rent, ICU coverage, and road ambulance coverage, among others. Having such an extensive plan ensures you have catered for your and your family's well-being.

Unlimited Automatic Recharge

The policy includes the feature of unlimited automatic recharge for both related and unrelated illnesses. This means that given your sum insured is exhausted in a policy year, it will automatically be recharged.

Variety of Add-Ons

Another amazing feature of Care Supreme is its variety of add-ons. For instance, there is an Instant Cover for pre-existing diseases like diabetes, asthma, and hypertension. Wellness benefits of up to 30% can be added on premium renewals if you diligently follow your active targets. Furthermore, there are Care OPD, Claim Shield, Air Ambulance Coverage, and more.

Hospitalisation Coverage

The plan also offers up to 60 days of pre-hospitalisation and 180 days of post-hospitalisation coverage. Additionally, there is no cap on hospitalisation expenses, organ donor cover, and AYUSH treatment.

Sense of Security

An individual’s health is unpredictable. Health concerns may happen to anyone at any time. However, handling things becomes way easier when you are covered. Care Supreme helps you have that peace of mind and security. You get extensive base benefits, amazing add-ons, and premiums that are payable without breaking the bank.

Care Supreme Health Insurance Plan: What is Covered?

Here is what is covered under the Care Supreme Health Insurance inclusion list:

In-Patient Care

Expenses for treatments that require you to stay in the hospital for more than 24 hours are covered. This includes charges such as room rent and diagnostics.

Advanced Methods

Expenses incurred due to the use of any advanced technology for treatment are covered.

Day Care Treatment

Expenses incurred from a treatment that requires you to stay in a hospital for less than 24 hours. Procedures such as chemotherapy and stone removal are included.

AYUSH Treatment

Alternative AYUSH treatments like yoga and homoeopathy are covered up to the sum insured.

Pre and Post-Hospitalisation Expenses

Expenses incurred from doctor fees, prescribed medications, and other related costs from 60 days prior to hospitalisation to 180 days post-hospitalisation are covered.

Organ Donor Cover

Charges incurred during the donor's operation to remove the organ are included in the coverage.

Cumulative Bonus

Rewards of up to 100% increase in the sum insured.

Commutative Bonus Super

100% incremental increase to the sum insured every year. Additionally, a 500% increase in the sum insured over consecutive five-year coverage periods.

Ambulance Cover

Care Supreme also offers ambulance coverage that covers any expenses incurred on admitting or transferring the patient for treatment using a road ambulance.

No-Cap E-Consultations

Book an online appointment using your mobile application and get unlimited e-consultations with your general physicians.

Unlimited Automatic Recharge

Unlimited automatic recharge to ensure you never run out of coverage, even with multiple hospitalisation visits in a year.

Care Supreme Health Insurance Plan: What is Not Covered?

Here is a list of concerns that are not covered under Care Supreme Health Insurance.

Self-Inflicted Harm

Any expenses occurring because of attempted suicide, suicide, or self-injury are not covered.

OPD treatment

OPD treatment is excluded as well.

Dental Treatment

Expenses related to treatment that do not need hospitalisation are excluded.

Infertility-Related Tests

Tests and treatments related to infertility concerns are not covered.

Expenses Related to Pregnancy, Childbirth

Expenses coming from childbirth, pregnancy, or miscarriage are not covered.

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

Our verdict

Undeniably, your health is one of the most important aspects of your life. While health concerns remain unpredictable, health care helps you stay calm and worry-free. However, choosing a reliable insurance that matches your needs and requirements is equally important. Care Health Insurance has been a popular and reliable choice for customers for ages.

With a variety of options for sum insured and unique benefits like Be-fit, air ambulance coverage, and a reduced PED wait period, the plan aims to help you prioritise your health and recover without worrying about financial stress.

With 24*7 customer support and more than 21,700 healthcare providers, you have a certain assurance of being in good hands. Therefore, if you haven’t already done so, get your health insurance policy from Paybima today!

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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

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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.

Care Supreme has a variety of add-ons available for you to choose from. Some of the popular benefits include annual health check-ups, air ambulance service, instant cover, wellness benefits, Be-fit, reduced PED wait period, cumulative bonus super, and more.