How does the waiting period affect my coverage?

The Care Super Mediclaim Plan has a 30-day initial, 48-month PED, and 24-month specific condition waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

Stay claim-free for a year and earn a 50% bonus, 25% for the second year, and 25% for the third, cumulatively. If you file a claim, the bonus reduces at the same rate.

Will my health insurance cover treatment abroad?

If you remain claim-free, you earn a 50% bonus for the first year, 25% for the second, and 25% for the third, cumulatively. If a claim is made, the accumulated bonus is reduced accordingly.

OneAssure

Health Insurance

Care

Super Medicare

Care Super Medicare

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.4

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.4

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

The Care Super Mediclaim Plan offers high coverage for critical illnesses, cancer, heart conditions, and surgeries, with flexible add-ons. Ideal for individuals seeking specialized, high-value health protection. Premiums may be higher.

About

About Care Health Insurance

The Care Super Mediclaim Plan by Care Health Insurance offers comprehensive coverage for critical illnesses, including cancer, heart ailments, and specific surgeries, through four tailored variants. It provides sum insured options ranging from ₹10 lakh to ₹2 crore, with flexible policy tenures of 1, 2, or 3 years. The plan covers in-patient care, day care treatments, pre and post-hospitalization expenses, chemotherapy, radiotherapy, and dialysis. Additional benefits include annual health check-ups, counseling services, and a no-claim bonus that doubles the sum insured after three claim-free years. With options for premium reduction and extensive family coverage, the plan ensures financial protection against costly medical treatments, offering peace of mind and quality healthcare access. The plan is available in four variants: Critical Mediclaim: Covers 32 specified critical illnesses....

The Care Super Mediclaim Plan by Care Health Insurance offers comprehensive coverage for critical illnesses, including cancer, heart ailments, and specific surgeries, through four tailored variants. It provides sum insured options ranging from ₹10 lakh to ₹2 crore, with flexible policy tenures of 1, 2, or 3 years. The plan covers in-patient care, day care treatments, pre and post-hospitalization expenses, chemotherapy, radiotherapy, and dialysis. Additional benefits include annual health check-ups, counseling services, and a no-claim...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: Single private room
ICU: No Limit

Advanced Treatments

Coronary Angiography
Radiotherapy for Cancer
Cancer Chemotherapy
Palliative Radiotherapy
Palliative Chemotherapy

Co-payment

Up to Sum Insured
With a co-payment of 10% per claim

Waiting Period

Initial: 90 Days
Specific: 24 Months
Pre-Existing Diseases: 48 Months

Cashless Healthcare Providers

24,800+

Daycare Treatment

Up to Sum Insured
Covers specified treatments requiring less than 24 hours of hospitalization.

AYUSH Treatment

Up to 25% Sum Insured for Critical Mediclaim, Cancer Mediclaim,Heart Mediclaim.
Not Available for Operation Mediclaim.

Room Rent

Normal: Single private room
ICU: No Limit

Advanced Treatments

Coronary Angiography
Radiotherapy for Cancer
Cancer Chemotherapy
Palliative Radiotherapy
Palliative Chemotherapy

Co-payment

Up to Sum Insured
With a co-payment of 10% per claim

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Exclusions

Illnesses or treatments within 30 days of policy start date.
Medical expenses for congenital diseases or IVF/infertility treatment.
Treatment related to pregnancy, childbirth, miscarriage, or abortion.
Hospitalization due to war, riots, strikes, or nuclear incidents.
Medical expenses from alcohol/drug abuse, self-inflicted injuries, or suicide attempts.

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...