Care Supreme Enhance Option 1
Care
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
No Limit on Room Rent & ICU Charges
Policyholders can choose any private hospital room or ICU without restrictions, ensuring access to high-quality medical care.
Advanced Treatments Coverage
Ensures access to modern medical procedures, including robotic surgery, stem cell therapy, oral chemotherapy, intra-vitreal injections, deep brain stimulation, and balloon sinuplasty for advanced healthcare needs.
Brochure
Policy Wording
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Our Verdict
Care Supreme Enhance Super Top-up offers ₹45-95 lakh coverage with no co-payment, unlimited restoration, and a 10% annual bonus. Ideal for high-income earners or those in metros, it suits individuals seeking extensive coverage. However, room rent limits apply without an add-on, and pre-existing diseases have a 3-year waiting period.
About the Plan
The Care Supreme Enhance – Option 1 is a super top-up health plan offering a ₹45 lakh sum insured with a ₹5 lakh deductible. It covers medical expenses exceeding ₹5 lakh, includes unlimited automatic recharge, and increases the sum insured by 10% annually (up to 100%). The plan also provides coverage for advanced treatments and tax benefits under Section 80D. This policy ensures enhanced financial security against high medical costs, making it an excellent supplement to existing health insurance.
About the Plan
Product Stats
Rating
Features of the Product
Disease-wise sublimits
No
ICU Charges
No restriction on ICU room rent
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Maternity Cover
Not available
Deductible Option
Available
Coverage Options
Available coverage options: 20L to 1cr
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
Claim Settlement Ratio
96%
Cumulative Bonus
Your sum insured increases by 10% every year, maximum up to 100%
Consumable Cover
Yes
Initial Waiting Period
30 days
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health check-up is available once every policy year, from day 1 of the policy
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 90 days after discharge, including physiotherapy if your doctor prescribes it
Room Rent
- Normal: No limit on room rent.
- ICU: No limit on ICU charges.
Advanced Treatments
- Robotic surgery
- Stem cell therapy
- Deep brain stimulation
- Immunotherapy
- Monoclonal antibody injections
- Oral chemotherapy
- Intra-vitreal injections
- Balloon Sinuplasty.
Co-payment
No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.
Waiting Period
.
Cashless Healthcare Providers
Access to 24,800+ network hospitals for cashless treatment.
Daycare Treatment
.
AYUSH Treatment
.
Exclusions
Expenses for pre-existing conditions during the first 36 months of coverage.
Waiting period of 24 months for specific treatments like hernia, cataracts, and joint replacement.
Costs for obesity treatments unless medically necessary.
Cosmetic and plastic surgeries unless due to accidents or medical necessity.
Treatment for substance abuse, self-inflicted injuries, or illnesses due to illegal activities.
Non-medically necessary procedures like fertility treatments and gender reassignment surgery.
Experimental and unproven treatments lacking clinical validation.
Treatment for chronic lifestyle conditions unless specifically covered.
Expenses related to hazardous sports or professional adventure activities.
Exclusions
Air Ambulance - Covers emergency medical evacuation by air (helicopter or chartered flight) to the nearest hospital, especially in critical cases or remote areas.
Unlimited Care - Offers unlimited or enhanced sum insured recharge/restoration benefits, allowing multiple claims even after the base sum insured is exhausted.
Room Rent Modification - Increases the room rent limit for hospitalization, allowing you to choose a higher category of room without affecting other policy benefits.
Add-ons
Related Variants
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Why OneAssure?
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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