1. How does the waiting period affect my coverage?

Most health insurance policies have a waiting period for pre-existing conditions and specific treatments. This means coverage for these conditions starts only after the waiting period ends. The duration varies by policy, so it’s important to check the terms.

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

If you don’t make any claims, some policies offer benefits like a no-claim bonus or increased coverage in the following year. Check with your insurer to understand the perks available. 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.

3. Will my health insurance cover treatment abroad?

Coverage for overseas treatment varies by policy. Some plans provide global coverage, while others limit treatment to specific regions or exclude international care. Always review your policy details for clarification.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.

Are there any add-ons available with the Care Super Mediclaim?

Yes, the policy offers add-ons such as Air Ambulance, Co-Payment Waiver, and Reduction in Pre-Existing Disease (PED) Waiting Period.

Does Care Super Mediclaim cover pre-existing conditions?

Yes, Care Super Mediclaim covers pre-existing conditions after a waiting period of 24 months.

OneAssure

Health Insurance

Care

Super Mediclaim

Care Super Medicare

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

0

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

Care Super Mediclaim offers up to ₹2 crore coverage for critical illnesses with tailored variants. Ideal for individuals seeking specialized protection, it provides add-ons like air ambulance cover and reduced PED wait periods. However, co-payment and deductible options may apply.

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...

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...

Super Mediclaim Ratings

Super Mediclaim

Insurer Rating

5.69

out of 10

Insurance Rating

2

out of 10

No Room Rent Limit

No

Consumables Covered

No

No Co-payment

Add on

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

No

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Cashless Healthcare Providers

24,800+

Waiting Period

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

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

Palliative Chemotherapy
Coronary Angiography
Radiotherapy for Cancer
Cancer Chemotherapy
Palliative Radiotherapy

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.

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...