Can someone above 75 years of age apply for Care Supreme Senior Super?

The stated conditions specify no upper entry-age limit for adults and a minimum adult entry age of 61 years. Acceptance remains subject to underwriting and eligibility requirements.

What happens if I have multiple hospitalisation claims in one policy year?

Unlimited automatic recharge is available from the second claim in the policy year. Each recharge equals the sum insured, and the amount payable from recharge for an individual claim cannot exceed the sum insured. Policy terms and other applicable limits continue to apply.

Are cataract surgery and knee replacement covered without separate limits?

No. Specified sub-limits apply. Cataract limits range from ₹30,000 to ₹50,000 per eye, while knee replacement limits range from ₹1.25 lakh to ₹2 lakh per knee, depending on the applicable sum insured band.

Will my existing diabetes or hypertension be covered from the first day?

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

If my hospital bill is approved, will I still have to pay part of it?

Yes. The stated standard configuration has a 20% co-payment on all claims. Your final out-of-pocket expense also depends on admissible expenses, treatment sub-limits and other applicable policy conditions.

Can I choose a longer policy tenure instead of renewing every year?

The stated tenure options are one, two or three years. Confirm the available tenure and applicable premium when purchasing.

Can I receive a renewal discount for maintaining daily physical activity?

The optional wellness benefit offers renewal discounts based on accumulated Healthy Days: 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 programme rules.

OneAssure

Health Insurance

Care

Supreme Senior Super

Senior citizen health insurance with automatic recharge and cumulative bonus benefits.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

4.25/10

Plan Rating

Policy Brochure

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Our Verdict

Expert Review: Care Supreme Senior Super

Final Verdict

Care Supreme Senior Super may suit senior citizens seeking hospitalisation coverage with unlimited automatic recharge and cumulative bonus benefits. Its individual and family floater options offer flexibility, while optional benefits can provide additional services depending on the selected cover.The 20% co-payment, 48-month PED waiting period, 24-month specified ailment waiting period, room eligibility restriction and treatment-specific sub-limits can affect the amount payable by the insurer. Review these conditions and the available sum insured options before purchasing.

About

What Is Supreme Senior Super?

Supreme Senior Super is a health insurance plan designed specifically for senior citizens aged 61 years and above. The policy covers hospitalization expenses, daycare treatments, advanced technology procedures, AYUSH treatment, domiciliary hospitalization, organ donor expenses, and unlimited e-consultations. It offers unlimited automatic recharge benefits and a cumulative bonus that increases coverage without being reduced by claims. Additional optional benefits such as palliative care, home modification support, disease management programs, and OPD services make the plan suitable for seniors seeking long-term healthcare protection.

Super Ratings

Super

Insurer Rating

7.51

out of 10

Insurance Rating

4.25

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

No

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 Super Inclusions

Modern Treatment

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

ICU Charges

No limit specified.

Deductible Option

Not specified.

Cumulative Bonus

50% of the sum insured on renewal, capped at 100% of the sum insured. Not affected by claims.

Consumable Cover

Not specified.

Initial Waiting Period

30 days, except accidental hospitalisation.

Specific Waiting Period

24 months for named ailments.

PED Waiting Period

48 months

Annual Health Checkup

Optional benefit; once a year for all insured members.

Post-Hospitalisation

180 days.

Outpatient Department Cover (OPD Expense)

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

Coverage Options

₹7 lakh, ₹10 lakh, ₹15 lakh and ₹25 lakh listed in the main plan-benefits table.

Maternity Cover

Not specified.

AYUSH Treatment

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

Co-payment

20% applies to all claims under the stated standard configuration; an optional co-payment benefit is also referenced.

Pre-Hospitalisation

60 days.

Claim Settlement Ratio

99.98% FY 2024-25

Room Rent

Most economical single private AC room; optional Room Rent Modification may change eligibility.

Cashless Healthcare Providers

11000+

Daycare Treatment

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

Disease-wise sublimits

Applicable to specified treatments. Limits vary by sum insured and apply per policy year, including pre- and post-hospitalisation expenses.

Restoration Benefit

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

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.

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