How does the Unlimited Automatic Recharge benefit work?

The plan automatically recharges the Sum Insured an unlimited number of times during the policy year for both related and unrelated illnesses. This ensures continued coverage even after earlier claims have exhausted the available Sum Insured.

Does Care Supreme impose sub-limits on modern treatments?

No. The brochure specifically states that there are no sub-limits on modern or conventional treatments. Eligible treatment expenses are covered up to the available Sum Insured.

What cumulative bonus is available under the policy?

The base policy provides a cumulative bonus of 50% of Sum Insured every year, up to a maximum of 100% of the Sum Insured, and the bonus does not reduce due to claims. Optional add-ons can further enhance bonus accumulation.

Can the waiting period for pre-existing diseases be reduced?

Yes. An optional benefit allows policyholders to modify the pre-existing disease waiting period to either 1 year or 2 years upon payment of additional premium.

OneAssure

Health Insurance

Care

Supreme Value for Money

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

0

Customer Rating

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

0

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

Final Verdict

Care Supreme is a feature-rich health insurance plan that combines unlimited recharge benefits, strong bonus accumulation, and broad hospitalization coverage without treatment sub-limits. It is suitable for customers seeking long-term value and comprehensive protection.

About

About Care Health Insurance

Care Supreme is a comprehensive health insurance plan designed to provide extensive hospitalization coverage with a strong focus on restoration and bonus accumulation. The plan covers inpatient hospitalization, modern treatments, ICU expenses, AYUSH care, domiciliary hospitalization, organ donor expenses, daycare treatments, and ambulance services. A key differentiator is its unlimited automatic recharge feature, which replenishes the sum insured for both related and unrelated illnesses an unlimited number of times. The policy also includes unlimited e-consultations, cumulative bonus benefits that do not reduce after claims, and optional wellness and advanced coverage benefits that can further enhance protection.

Care Supreme is a comprehensive health insurance plan designed to provide extensive hospitalization coverage with a strong focus on restoration and bonus accumulation. The plan covers inpatient hospitalization, modern treatments, ICU expenses, AYUSH care, domiciliary hospitalization, organ donor expenses, daycare treatments, and ambulance services. A key differentiator is its unlimited automatic recharge feature, which replenishes the sum insured for both related and unrelated illnesses an unlimited number of times. The policy also includes unlimited e-consultations,...

Value for Money Ratings

Value for Money

Insurer Rating

5.69

out of 10

Insurance Rating

9

out of 10

No Room Rent Limit

Yes

Consumables Covered

Add on

No Co-payment

Yes

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 and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-payment mentioned

Cashless Healthcare Providers

Not mentioned — verify from policy wordings

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 36 Months
Specific Disease/Procedure Waiting Period: 24 Months

Daycare Treatment

All Day Care Procedures Covered

AYUSH Treatment

Covered up to 100% of Sum Insured

Room Rent

Normal: Covered up to Sum Insured
ICU: Covered up to Sum Insured

Advanced Treatments

Covered up to Sum Insured

Co-payment

No mandatory co-payment mentioned

Exclusions

Not available

Add ons

Add-Ons

Porting Tenure

Claim Shield Plus

Unlimited Care

Care OPD

Wait Period Modification

Annual Health Check-up

Instant Cover

BeFit Benefit

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

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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...