Does care Supreme direct cover pre-existing diseases from the date the policy is purchased?

No. Pre-existing diseases are subject to a 48-month waiting period under the standard policy terms, unless an applicable modification is available and selected.

Can I use cashless treatment if I purchase Care Supreme Direct online?

Yes. Cashless treatment is available at eligible network hospitals, subject to hospital network availability, claim approval and policy terms. Buying the policy online does not change the underlying claims benefits.

Will I have to pay an additional co-payment if I choose a hospital outside the Smart Select network?

If you have selected the Smart Select option, an additional 20% co-payment may apply when you receive treatment at a hospital outside the specified network list, subject to the policy terms.

How much online discount will I receive when purchasing Care Supreme Direct?

The discount depends on the offer available on the online platform at the time of purchase. The exact discount percentage has not been confirmed, so check the amount displayed before completing your purchase.

Does Care Supreme Direct have a room-rent limit that could reduce my hospital claim?

The policy has no separate room-rent limit, subject to the policy terms and conditions.

Does Care Supreme Direct restore my sum insured if I use up my coverage during the policy year?

Yes. The Unlimited Automatic Recharge benefit can restore coverage up to the base sum insured multiple times in a policy year, subject to the policy's conditions.

What is the difference between Care Supreme and Care Supreme Direct?

Care Supreme Direct is available for online purchase and offers an online platform discount. The underlying policy benefits are the same as Care Supreme, subject to the applicable terms and conditions.

OneAssure

Health Insurance

Care

Supreme (Direct)

Care Supreme (Direct)

Buy Care Supreme Direct Online with an Online Platform Discount, Unlimited Recharge and Comprehensive Health Cover

96%

Claim Settlement Ratio

22,000+

Network Hospitals

9/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Care Supreme (Direct)

Final Verdict

Care Supreme Direct may suit buyers who prefer completing their health insurance purchase online and want to benefit from the available online platform discount. It retains Care Supreme's core features, including unlimited automatic recharge, no separate room-rent and ICU-charge limits, and a cumulative bonus that can continue to build even after a claim.The online discount is the main differentiator, so compare the final premium shown for Direct against the applicable Care Supreme price rather than assuming a fixed discount percentage. As with Care Supreme, carefully review the four-year pre-existing disease waiting period, two-year named-ailment waiting period, recharge conditions and any optional deductible or co-payment. The Direct purchase route does not remove the need to assess whether the underlying policy suits your healthcare needs.

About

What Is Supreme (Direct)?

Care Supreme (Direct) is a comprehensive health insurance plan designed to provide broad hospitalization coverage along with wellness and recharge benefits. The policy covers inpatient hospitalization, daycare procedures, AYUSH treatment, domiciliary hospitalization, organ donor expenses, advanced technology methods, and ambulance services. One of the key highlights is the unlimited automatic recharge feature available for related and unrelated illnesses. The plan also offers cumulative bonus growth, wellness-linked renewal discounts, unlimited e-consultations, and optional benefits like air ambulance and cumulative bonus super.

Supreme (Direct) Ratings

Supreme (Direct)

Insurer Rating

7.51

out of 10

Insurance Rating

9

out of 10

No Room Rent Limit

Yes

Consumables Covered

Add on

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

Add on

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

Care Supreme (Direct) Inclusions

Modern Treatment

Covers cutting-edge procedures: robotic surgery, stem cell therapy, organ transplants, and other advanced treatments.

ICU Charges

Full coverage for ICU expenses and normal room charges up to sum insured.

Cumulative Bonus

Provided annually on no-claim basis (specific % varies by year).

Consumable Cover

Included as part of hospitalisation expenses.

Initial Waiting Period

30 days (except accidents).

Specific Waiting Period

2 years for specified ailments.

PED Waiting Period

3 years for pre-existing diseases.

Annual Health Checkup

Available on cashless basis.

Post-Hospitalisation

Covered as part of related hospitalisation medical expenses.

Outpatient Department Cover (OPD Expense)

Not available in base plan, present as an add on.

Deductible Option

Optional feature available.

Coverage Options

Multiple SI options available (varies by plan).

Maternity Cover

Availability to be confirmed from policy document.

AYUSH Treatment

Covered on cashless basis at network facilities.

Co-payment

No mandatory co-payment; optional voluntary co-payment available.

Pre-Hospitalisation

Pre-existing diseases covered after 3 years waiting period.

Claim Settlement Ratio

80%

Room Rent

Full coverage for ICU and normal room charges up to SI.

Cashless Healthcare Providers

5,000+ network hospitals across India.

Daycare Treatment

Covers 200+ medical procedures: dialysis, chemotherapy, cataract surgery, etc.

Disease-wise sublimits

No disease-wise sub-limits.

Restoration Benefit

Unlimited restoration benefit available.

Add ons

Supreme (Direct) Add-Ons and Riders

Porting Tenure

Care Opd

World Wide Coverage

Wait Period Modification

Air Ambulance

Befit Benefit

Wellness Benefit

Annual Health Check Up

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About the company

About Care

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.

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.