Can a person above 70 years apply for Care Supreme Senior?

The supplied plan information states that there is no upper entry-age limit for adults. Entry remains subject to the insurer's underwriting and applicable policy terms.

Does the policy provide additional cover if the sum insured is used up during the year?

Yes. Unlimited automatic recharge is available for eligible subsequent claims. The recharge amount equals the policy sum insured and can be used for eligible claims involving the same or different illnesses, subject to policy terms.

What is the difference between Senior Super and Senior Premium?

Both options include core hospitalisation benefits, unlimited automatic recharge and cumulative bonus. Specified treatment sub-limits apply to Senior Super but are listed as not applicable to Senior Premium.

How long is the waiting period for a pre-existing disease?

The stated waiting period is 48 months. Coverage for a particular condition depends on the policy terms, medical disclosures and applicable underwriting conditions.

Will the insurer pay the full admissible claim amount?

Not necessarily. A 20% co-payment applies, meaning the insured is responsible for the applicable share of admissible expenses. Other limits, exclusions and policy conditions may also affect the payable amount.

Can I add my spouse or another family member to the policy?

The product offers individual and family floater coverage. Eligible relationships include a spouse, live-in partner, same-sex partner, children, parents, parents-in-law and grandparents, subject to eligibility and membership limits.

Can I get a discount on renewal by meeting wellness targets?

The wellness benefit offers a renewal discount based on accumulated healthy days. The stated discounts are 10% for 120 days, 15% for 180 days, 20% for 240 days and 30% for 270 days. One healthy day is defined as achieving 10,000 steps, subject to programme terms.

OneAssure

Health Insurance

Care

Supreme Senior Health AdvantEdge

Health AdvantEdge

Senior citizen health insurance with unlimited automatic recharge, cumulative bonus and optional wellness benefits.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

6.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Care Supreme Senior Health AdvantEdge

Final Verdict

Care Supreme Senior may suit eligible senior citizens seeking hospitalisation protection with unlimited automatic recharge and a cumulative bonus that can increase coverage over time. The choice between Senior Super and Senior Premium is important because their specified treatment sub-limits differ.Before purchasing, review the 20% co-payment, 48-month pre-existing disease waiting period, room eligibility and any treatment-specific limits. Optional benefits should be evaluated separately to understand their cost, eligibility and conditions.

About

What Is Supreme Senior Health AdvantEdge?

Care Supreme Senior is a health insurance product for senior citizens, offering sum insured choices of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh. Customers can choose individual or family floater cover, subject to the product's eligibility and member limits. Core benefits include eligible inpatient hospitalisation, day-care treatment, advanced technology methods, pre- and post-hospitalisation expenses, AYUSH treatment, domiciliary hospitalisation and organ donor cover.The product includes unlimited automatic recharge for eligible subsequent claims. The recharge amount is equal to the policy sum insured and is available from the second claim in a policy year. Cumulative bonus increases the sum insured by 50% at renewal, up to 100% of the sum insured, and accrued bonus is not reduced because of claims. A 20% co-payment applies to claims.The Senior Super and Senior Premium options differ in their specified treatment sub-limits. Optional benefits may include air ambulance cover, wellness discounts, room-rent modification, annual health checkups, Care OPD and certain disease-management or additional care benefits. Availability and limits depend on the selected option and applicable add-on terms.

Health AdvantEdge Ratings

Health AdvantEdge

Insurer Rating

7.51

out of 10

Insurance Rating

6.25

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

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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 Senior Health AdvantEdge Inclusions

Modern Treatment

Eligible advanced technology treatments covered up to the sum insured.

ICU Charges

No limit specified in the plan benefit, subject to policy terms.

Cumulative Bonus

50% of the sum insured added at renewal, up to 100%; accrued bonus is not reduced due to claims.

Consumable Cover

Not specified as a standard benefit in the supplied document.

Initial Waiting Period

30 days, except accident-related hospitalisation.

Specific Waiting Period

24 months for named ailments.

PED Waiting Period

48 months

Annual Health Checkup

Available as an optional benefit; once a year for all insured members.

Post-Hospitalisation

Covered for 180 days.

Outpatient Department Cover (OPD Expense)

Optional Care OPD benefit; limits and consultation co-payments apply.

Deductible Option

Not specified in the supplied document.

Coverage Options

Individual and family floater; sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh.

Maternity Cover

Not specified in the supplied document.

AYUSH Treatment

Covered up to the sum insured.

Co-payment

20% co-payment applies to all claims under the described plan options.

Pre-Hospitalisation

Covered for 60 days.

Claim Settlement Ratio

99.95% FY 2024-25

Room Rent

Most economical single private AC room. An optional room-rent modification benefit is mentioned.

Cashless Healthcare Providers

11000+ NETWORK HOSPITALS.

Daycare Treatment

Covered up to the sum insured.

Disease-wise sublimits

Apply to specified treatments under Senior Super; listed as not applicable under Senior Premium.

Restoration Benefit

Unlimited automatic recharge for eligible subsequent claims, including the same or different illnesses, subject to policy terms.

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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.

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