How does the waiting period affect my coverage?

The policy has a 30-day initial waiting period (except for accidents), a 24-month waiting period for named ailments, and a 36-month waiting period for pre-existing diseases

What happens if I don’t use my health insurance benefits for the entire year?

The policy offers a 100% cumulative bonus yearly (up to 500%) and a 30% renewal discount via fitness programs.

Will my health insurance cover treatment abroad?

Care Senior does not provide coverage for treatment abroad, benefits apply within India only.

OneAssure

Health Insurance

Care

Supreme

Care Supreme Health Insurance

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

19000+

Network Hospitals

9.2

Customer Rating

Policy Wording

Brochure

Get a Quote

96%

Claim Settlement Ratio

19000+

Network Hospitals

9.2

Customer Rating

Policy Wording

Brochure

Our Verdict

Expert Review: Care Health Insurance

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Final Verdict

The product has no restrictions on room rent, covers modern treatments, and offers unlimited restoration benefits along with a high cumulative bonus. The plan includes add-ons that reduce waiting periods from 3 years to 2 or 1 year. An annual health check-up is available as an add-on. It also offers an OPD benefit rider, allowing policyholders to avail benefits of up to ₹4,000 on visits to both general physicians and specialists.

About

About Care Health Insurance

Care Supreme by Care Health Insurance offers comprehensive coverage for individuals and families, with sum insured options from ₹3 lakh to ₹10 lakh. It covers hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses without sub-limits. Key features include a "Cumulative Bonus Super," increasing coverage by 100% yearly (up to 500%), unlimited sum insured recharge, and a 30% renewal discount for achieving fitness goals. Optional benefits include health check-ups, reduced waiting periods, and mental health coverage. The plan covers up to six family members.

Care Supreme by Care Health Insurance offers comprehensive coverage for individuals and families, with sum insured options from ₹3 lakh to ₹10 lakh. It covers hospitalization, AYUSH treatments, day-care procedures, domiciliary care, and organ donor expenses without sub-limits. Key features include a "Cumulative Bonus Super," increasing coverage by 100% yearly (up to 500%), unlimited sum insured recharge, and a 30% renewal discount for achieving fitness goals. Optional benefits include health check-ups, reduced waiting periods, and...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

All room categories are covered

Co-payment

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Disease-wise sublimits

No

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 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 500%

Consumable Cover

No. However, available as an add-on

Specific Waiting Period

2 years

Annual Health Checkup

Health checkup is not included as part of base cover. However, available as an add-on

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 180 days after discharge, including physiotherapy if your doctor prescribes it

Coverage Options

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹25L, ₹50L and ₹1 Cr

Claim Settlement Ratio

96%

Outpatient Department Cover (OPD Expense)

OPD expense is not included as part of base cover. However, available as an add-on

Modern Treatment

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

Deductible Option

Not available

ICU Charges

No restriction on ICU room rent

Initial Waiting Period

30 days

PED Waiting Period

3 years

Maternity Cover

Not available

Room Rent

All room categories are covered

Co-payment

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

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Exclusions

Expenses for hospital admission primarily for diagnostics are excluded.
Expenses for bed rest, custodial or palliative care excluded.
Surgery covered only under strict medical criteria and guidelines.
Expenses for any procedure to alter gender characteristics excluded.
Covered only for accident, burns, cancer, or medical necessity.
Injuries from professional participation in extreme sports are not covered.
No coverage for treatments related to criminal acts or violations.
Treatment from blacklisted hospitals or practitioners not reimbursed.

Add ons

Add-Ons

Claim Shield Plus

Unlimited Care

Care OPD

Wait Period Modification

Annual Health Check-up

Instant Cover

BeFit Benefit

Wellness Benefit

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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...