What is the waiting period for pre-existing diseases in Care Supreme?

Pre-existing diseases are covered after 48 months of continuous coverage. The initial waiting period of 30 days does not apply for accident-related hospitalization.

What makes Care Supreme different from regular health insurance plans?

The plan offers unlimited automatic recharge for related and unrelated illnesses, wellness-based renewal discounts, and cumulative bonus benefits up to 500% with optional cover.

Does Care Supreme offer cashless hospitalization?

Yes, cashless treatment is available at network hospitals associated with Care Health Insurance. Claim approvals and policy conditions apply.

Are wellness benefits available under this plan?

Yes, policyholders can earn renewal discounts based on healthy activities like completing 10,000 daily steps. The plan also provides access to digital fitness coaching and wellness services.

OneAssure

Health Insurance

Care

Supreme (Direct)

Care Supreme (Direct)

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

Get a Quote

96%

Claim Settlement Ratio

22000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Supreme (Direct)

Final Verdict

Care Supreme (Direct) combines comprehensive hospitalization coverage with unlimited recharge and wellness-based benefits. It is suitable for buyers looking for long-term health coverage with high bonus growth potential.

About

About Care 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.

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...

Supreme (Direct) Ratings

Ratings: Care 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 and Exclusions

Inclusions and Exclusions of Care Supreme (Direct)

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.

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).

Exclusions

Not available

Add ons

Add-Ons

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

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...