The listed sum insured options are ₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh. The available option and premium should be confirmed at purchase.

Can I choose a higher sum insured when purchasing this plan?

Can I reduce my renewal premium by maintaining a healthy activity level?

The optional wellness benefit offers a renewal discount based on accumulated Healthy Days. The stated discount is 10% for 120 days, 15% for 180 days, 20% for 240 days and 30% for 270 days. Fewer than 120 days attracts no discount. One Healthy Day is defined as 10,000 steps, subject to the applicable programme rules.

Can I purchase Care Supreme Senior Premium if I am above 75 years old?

The stated plan conditions specify no upper entry-age limit for adults, with a minimum adult entry age of 61 years. Acceptance remains subject to the insurer's underwriting requirements and applicable eligibility conditions.

What happens if I need hospitalisation more than once in the same policy year?

The plan provides unlimited automatic recharge. Recharge is available from the second claim in the policy year, with each recharge equal to the policy sum insured. The amount payable for an individual claim from recharge cannot exceed the policy sum insured, and all claims remain subject to policy terms.

Does the plan cover expensive treatments such as cancer treatment or knee replacement without treatment-specific sub-limits?

The Senior Premium option is listed as having no specified treatment sub-limits in the plan comparison. However, coverage remains subject to the sum insured, applicable policy terms, exclusions and other restrictions.

Will my existing diabetes or hypertension be covered immediately after purchasing the policy?

Pre-existing diseases have a stated waiting period of 48 months. Coverage is subject to the policy terms, underwriting decision and applicable exclusions. Customers managing diabetes with insulin are stated to be ineligible for this plan.

Will I have to pay part of the hospital bill even if my claim is approved?

A 20% co-payment applies to all claims under the stated standard configuration. This means the insured pays the applicable share of admissible expenses, subject to the policy terms and any valid changes to the selected configuration.

OneAssure

Health Insurance

Care

Supreme Senior Premium

Senior-focused health insurance with unlimited automatic recharge and cumulative bonus 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 Premium

Final Verdict

Care Supreme Senior Premium may be worth evaluating for senior citizens who want hospitalisation coverage with unlimited automatic recharge, cumulative bonus growth and no specified treatment sub-limits under the Senior Premium option. Its multiple sum insured choices and optional benefits provide flexibility for different coverage needs.The standard configuration includes a 20% co-payment, a 48-month waiting period for pre-existing diseases and a 24-month waiting period for specified ailments. Room eligibility, underwriting acceptance, exclusions and the terms and cost of optional benefits should be reviewed carefully before purchase. Customers managing diabetes with insulin are stated to be ineligible.

About

What Is Supreme Senior Premium?

Supreme Senior Premium is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy covers hospitalization expenses, daycare procedures, advanced technology treatments, AYUSH treatment, domiciliary hospitalization, organ donor expenses, and unlimited e-consultations. Unlike the Senior Super option, the Senior Premium variant does not apply treatment-specific sub-limits, offering broader claim flexibility. Additional benefits such as unlimited automatic recharge, cumulative bonus protection, wellness rewards, and optional palliative care support help address long-term healthcare needs for seniors.

Premium Ratings

Premium

Insurer Rating

7.51

out of 10

Insurance Rating

6.25

out of 10

No Room Rent Limit

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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

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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 Premium Inclusions

Specific Waiting Period

24 months for named ailments.

Annual Health Checkup

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

Outpatient Department Cover (OPD Expense)

Available through optional Care OPD add-on, subject to limits and co-payments.

Coverage Options

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh sum insured options.

AYUSH Treatment

Covered up to the sum insured, subject to policy terms.

Pre-Hospitalisation

60 days.

Room Rent

Most economical single private air-conditioned room; optional Room Rent Modification may change eligibility.

Daycare Treatment

Covered up to the sum insured, subject to policy terms.

Restoration Benefit

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

Modern Treatment

Covered up to the sum insured, subject to policy terms.

ICU Charges

No limit specified for ICU charges.

Consumable Cover

Not specified.

Cumulative Bonus

50% of sum insured added on renewal, up to 100% of sum insured. Not affected by claims.

Initial Waiting Period

30 days; accidental hospitalisation is exempt.

PED Waiting Period

48 months.

Post-Hospitalisation

180 days.

Deductible Option

Not specified.

Maternity Cover

Not available.

Co-payment

20% co-payment applies to all claims under the standard configuration; optional benefit may affect this.

Claim Settlement Ratio

99.98% FY 2024-25

Cashless Healthcare Providers

11000+ network hospitals

Disease-wise sublimits

Not applicable under the Senior Premium option, as specified for the comparison with Senior Super.

Insurance Premium Calculator

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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.