Care Supreme Health Insurance
Care
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
Room Rent
The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits
Advanced Treatment Benefits
Provides unlimited automatic recharge for multiple hospitalizations, instant coverage for hypertension, diabetes, asthma, and hyperlipidemia after a 30-day waiting period, robotic surgery coverage, air ambulance up to ₹5 lakh, and in-patient care for enhanced medical support.
Policy Wording
Brochure
Explore more features
Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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
87.10%
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
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.
Treatment for drug addiction or alcohol-related conditions not covered.
Expenses for treatment in wellness centers or nature cure clinics excluded.
Non-prescribed vitamins, minerals, or organic supplements not reimbursed.
Expenses for vision correction below 7.5 diopters not covered.
Experimental or alternative treatments lacking medical validation not covered.
Expenses for contraception, IVF, surrogacy, or sterilization reversal excluded.
Normal childbirth, miscarriage (unless accidental), and termination not covered.
Injuries or illnesses due to war, terrorism, or nuclear exposure excluded.
Suicide attempts, self-harm, or intentional injury not covered.
Costs for TV, telephone, cosmetics, toiletries, or special diets excluded.
Only specific approved advanced treatments are covered under defined criteria.
Exclusions
Claim Shield Plus - Safeguards against rising medical inflation, ensuring adequate coverage.
Unlimited Care - Offers unlimited coverage for one claim during the lifetime of the policy, meaning there is no upper cap on the sum insured for that specific claim.
Care OPD - Covers outpatient consultations: 4 General and 4 Specialist consultations, with a maximum of ₹500 per consultation.
Annual Health Check-up - early preventive screenings for early detection and proactive health management.
Instant Cover - Provides immediate policy coverage with minimal waiting periods.
BeFit Benefit - Rewards healthy lifestyle choices with premium discounts and wellness program access.
Wellness Benefit - Rewards healthy habits with premium discounts and added coverage.
Air Ambulance - Covers emergency air transport to nearest hospital for critical care.
Cumulative Bonus Super - Get up to 100% of Sum Insured per year, max 500%
Wait Period Modification - Reduces waiting periods for specific coverages, enabling faster access to benefits.
Claim Shield - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
World Wide Coverage - Extends your health insurance protection globally, ensuring access to medical care abroad.
Add-ons
Related Variants
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We help you maximize your coverage over time for stronger protection.
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.
About the Company
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