What happens if I fail to declare a minor pre-existing condition like mild hypertension or thyroid when buying Care Supreme?

Non-declaration can lead to claim rejection or policy cancellation due to non-disclosure. Even if you choose add-ons like instant cover or PD wait period modification, all existing conditions must be declared upfront so the insurer can underwrite and apply the reduced waiting period correctly.

Does the "unlimited automatic recharge" kick in for the same illness in the same policy year?

Yes. Unlike traditional plans that restrict recharge for unrelated illnesses, Care Supreme's unlimited automatic recharge triggers automatically for both related and unrelated illnesses, unlimited times within the policy year, as long as the base sum insured is partially or fully exhausted.

What non-medical items are non-payable if I do not buy the claim shield add-on?

Without claim shield, standard non-medical consumables listed under IRDAI guidelines (such as PPE kits, surgical gloves, masks, disposable syringes, and oxygen masks) and administrative charges (10% to 20% of a typical hospital bill) must be paid out of pocket.

Are sublimits applied to doctor fees or OT charges if I choose an executive suite or deluxe room?

No. Care Supreme has no room category caps or proportionate deductions. Surgeries, ICU charges, operation theatre costs, and specialist fees are paid at actuals without pro rata penalties, regardless of the room type chosen.

How does the cashless claim approval work if I am admitted to a non-network hospital during an emergency?

Cashless facility is strictly restricted to empanelled network hospitals. If admitted to a non-network facility, you must pay out of pocket and file for a reimbursement claim by intimating the insurer within 24 hours of emergency admission and submitting original bills, discharge summaries, and test reports post discharge.

Will my cumulative bonus drop if I file a small claim this year ?

No. Care Supreme features a no reduction in cumulative bonus guarantee. Any bonus percentage you have accrued (up to 100% in base or up to 500% with the cumulative bonus super add-on) remains intact and will not be reduced or penalised in subsequent renewal years due to a claim.

Does pre- and post-hospitalisation cover diagnostics and medications ordered during home recovery?

Yes, medical expenses incurred 60 days before admission and 180 days post-discharge, including diagnostic tests, follow-up consultations, and prescribed medicines, are fully reimbursable, provided they directly relate to the condition for which you were hospitalised.

OneAssure

Health Insurance

Care

Supreme

Care Supreme Health Insurance

Comprehensive Health Plan with Unlimited Restoration and Zero Room Rent Limits.

96%

Claim Settlement Ratio

22,000+

Network Hospitals

9/10

Plan Rating

Policy Policy Wording

Policy Brochure

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Our Verdict

Expert Review: Care Supreme

Final Verdict

Care Supreme is a comprehensive health policy designed for buyers seeking maximum room flexibility, zero co-payments, and extensive coverage limits. Key advantages include zero room rent capping, unlimited automatic coverage recharges, extended 60-day pre- and 180-day post-hospitalization coverage, and a cumulative bonus that can grow up to 500% through optional add-ons.However, the plan carries a standard 3-year waiting period for pre-existing conditions (though reducible via riders), higher premiums for optional add-ons, and does not include built-in maternity coverage. It is best suited for families and individuals looking for complete hospital room choice and unlimited restoration benefits, provided immediate maternity care is not required.

About

What Is Supreme?

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.

Supreme Ratings

Supreme

Insurer Rating

7.51

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

Care Supreme Inclusions and Exclusions

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

Outpatient Department Cover (OPD Expense)

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

Coverage Options

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

Claim Settlement Ratio

96%

Modern Treatment

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

Deductible Option

Not available

Initial Waiting Period

30 days

ICU Charges

No restriction on ICU room rent

Maternity Cover

Not available

PED Waiting Period

3 years

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.

Add ons

Supreme Add-Ons and Riders

Porting Tenure

Claim Shield Plus

Unlimited Care

Annual Health Check Up

Instant Cover

Befit Benefit

Care Opd

Wellness Benefit

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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.