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 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Care Health Insurance

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...

Supreme Ratings

Supreme

Insurer Rating

5.69

out of 10

Product 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

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

Room Rent

All room categories are covered

Co-payment

Not available

Cashless Healthcare Providers

21700+ Healthcare Providers

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

Add-Ons

Porting Tenure

Claim Shield Plus

Unlimited Care

Care OPD

Wait Period Modification

Annual Health Check-up

Instant Cover

BeFit 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...