Is Care Supreme Enhance a replacement for my existing health insurance policy?

Care Supreme Enhance is a super top-up plan intended to supplement existing health coverage. The selected aggregate deductible must be met before eligible expenses become payable under the plan.

Can I use the unlimited automatic recharge benefit for repeated hospitalisations in the same policy year?

Yes. The plan offers unlimited automatic recharge for eligible related or unrelated illnesses during a policy year, subject to the policy terms.

Will Care Supreme Enhance cover the full cost of a hospital room if I choose a premium room?

The plan provides room eligibility up to the most economical single private room category. Choosing a room outside the permitted category may affect the payable claim according to the applicable policy terms.

When can I claim for treatment related to a pre-existing disease?

The standard pre-existing disease waiting period is 36 months. Coverage is subject to the applicable waiting period, policy terms, exclusions and acceptance of the disclosed medical history.

What happens if my hospital bill is lower than the selected deductible?

If eligible expenses do not meet the applicable aggregate deductible, the insurer does not pay those expenses under the super top-up benefit. The deductible applies according to the policy terms.

Can I purchase Care Supreme Enhance for my family?

Individual and family floater options are available for eligible family members. The relationships and permitted family composition must meet the applicable policy conditions.

Does the cumulative bonus reduce if I make a claim?

The accrued cumulative bonus is not reduced due to claims. It increases by 10% of the sum insured annually, up to a maximum of 100%, subject to the plan terms.

OneAssure

Health Insurance

Care

Supreme Enhance One

Care Supreme Enhance Option 1

High-deductible super top-up health insurance with flexible coverage options, cumulative bonus and unlimited automatic recharge.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

10/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Care Supreme Enhance One

Final Verdict

Care Supreme Enhance may suit customers who already have health insurance and want additional protection against large medical bills without relying entirely on a higher-cost base policy. Its unlimited automatic recharge and cumulative bonus are useful features for eligible hospitalisation claims.The main consideration is the aggregate deductible, which must be met before the super top-up coverage applies. Buyers should also compare the plan's room eligibility, waiting periods, exclusions and optional benefits with those of other super top-up plans before deciding.

About

What Is Supreme Enhance One?

The Care Supreme Enhance – Option 1 is a super top-up health plan offering a ₹45 lakh sum insured with a ₹5 lakh deductible. It covers medical expenses exceeding ₹5 lakh, includes unlimited automatic recharge, and increases the sum insured by 10% annually (up to 100%). The plan also provides coverage for advanced treatments and tax benefits under Section 80D. This policy ensures enhanced financial security against high medical costs, making it an excellent supplement to existing health insurance.

One Ratings

One

Insurer Rating

7.51

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

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

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

Care Supreme Enhance One Inclusions and Exclusions

Disease-wise sublimits

No

ICU Charges

No restriction on ICU room rent

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Maternity Cover

Not available

Deductible Option

Available

Coverage Options

Available coverage options: 20L to 1cr

Restoration Benefit

Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses

Cumulative Bonus

Your sum insured increases by 10% every year, maximum up to 100%

Consumable Cover

Yes

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Annual Health Checkup

Health check-up is available once every policy year, from day 1 of the policy

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it

Claim Settlement Ratio

96%

Room Rent

Normal: No limit on room rent.
ICU: No limit on ICU charges.

Advanced Treatments

Robotic surgery
Stem cell therapy
Deep brain stimulation
Immunotherapy
Monoclonal antibody injections
Oral chemotherapy
Intra-vitreal injections
Balloon Sinuplasty.

Co-payment

No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.

Cashless Healthcare Providers

Access to 24,800+ network hospitals for cashless treatment.

Waiting Period

.

Daycare Treatment

.

AYUSH Treatment

.

Exclusions

Expenses for pre-existing conditions during the first 36 months of coverage.
Waiting period of 24 months for specific treatments like hernia, cataracts, and joint replacement.
Costs for obesity treatments unless medically necessary.
Cosmetic and plastic surgeries unless due to accidents or medical necessity.
Treatment for substance abuse, self-inflicted injuries, or illnesses due to illegal activities.

Add ons

Supreme Enhance One Add-Ons and Riders

Air Ambulance

Unlimited Care

Room Rent Modification

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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.