Supreme Value for Money

The sum insured increases by 50% for each completed policy year, up to 100% of the base sum insured. The accumulated bonus is not reduced by claims.

Standard cover does not automatically include every non-payable hospital expense. Claim Shield may cover specified non-payable items when included under the applicable variant.

36 months for pre-existing diseases. An optional PED Waiting Period Modification benefit may reduce this to 1 or 2 years, where available and selected.

Annual health check-ups are available as an optional benefit under the broader Care Supreme product. Availability under Value for Money depends on the applicable variant.

Eligible medical expenses are covered for up to 180 days after discharge, subject to policy conditions and the sum insured.

Routine outpatient consultations are not part of the standard Value for Money coverage. Care OPD is a separate add-on policy, where available.

A deductible can be selected where offered. The insured must bear the opted aggregate deductible before the insurer pays eligible claims.

30 days for illnesses from policy inception. This waiting period does not apply to claims arising from accidents.

Individual coverage and family floater coverage are available under the Care Supreme product. Value for Money eligibility and sum insured options may be narrower than those of the broader product.

Pregnancy, childbirth and related maternity expenses are excluded under the standard plan. Network discounts are not equivalent to maternity insurance coverage.

Eligible inpatient and daycare AYUSH treatment is covered up to the sum insured, subject to policy conditions.

A 20% co-payment applies to eligible treatment taken outside the designated Smart Select network under the Value for Money variant. The insured bears the applicable share of the admissible claim.

Eligible medical expenses incurred up to 60 days before hospitalisation are covered, subject to policy conditions and the sum insured.

Care Health Insurance's claim settlement ratio is an insurer-level metric, not a Value for Money product metric. The FY 2024–25 ratio reported by secondary sources is 96.74%; it should not be interpreted as a guarantee that an individual claim will be approved.

Room eligibility is restricted under the Value for Money variant. The applicable room category and any associated claim deductions must be considered when choosing hospital accommodation.

The insurer's network includes thousands of hospitals across India. The available network count varies by date; check the current network directory for participating hospitals.

Eligible daycare procedures requiring less than 24 hours of hospitalisation are covered up to the sum insured, subject to policy conditions.

Eligible treatments are generally covered up to the sum insured, subject to policy terms, exclusions and any applicable room-related claim deductions.

Unlimited automatic recharge reinstates the base sum insured multiple times during the policy year for eligible related and unrelated illnesses, subject to the applicable terms.