Care Supreme Enhance Option 2
Care
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
Room rent and ICU Limits
Care Supreme Enhance Option 2 offers no room rent or ICU capping, allowing policyholders to choose a hospital room of any category without restrictions
Advanced treatment
Care Supreme Enhance Option 2 covers advanced treatments like robotic surgery, proton beam therapy, CyberKnife treatment, etc. It also includes targeted and immunotherapy for cancer and advanced prosthetics or implants, ensuring access to cutting-edge medical care.
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 2 is a super top-up health insurance plan by Care Health Insurance, offering extensive coverage with sum insured options of ₹45 lakh to ₹95 lakh. It includes benefits like unlimited automatic recharge, 10% annual increase in sum insured up to 100%, and coverage for advanced technology treatments. The plan also covers in-patient care, pre and post-hospitalization expenses, day care treatments, domiciliary hospitalization, and organ donor expenses, ensuring comprehensive protection against high medical costs.
About the Plan
Product Stats
Rating
Features of the Product
ICU Charges
No restriction on ICU room rent
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 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
Outpatient Department Cover (OPD Expense)
OPD expense is not included
Deductible Option
Available
Coverage Options
Available coverage options: 20L to 1cr
Claim Settlement Ratio
87.10%
Maternity Cover
Not available
Room Rent
- Normal: Single private room
- ICU: No Limit
Advanced Treatments
- Robotic Surgery
- Proton Beam Therapy
- Cyber Knife Treatment
- Stem Cell Therapy
- Targeted and Immunotherapy
- Artificial Organs & Implants
Co-payment
Only applicable for people above the age of 61.
Cashless Healthcare Providers
24800+ network hospitals across India.
Daycare Treatment
Covered under the policy
AYUSH Treatment
AYUSH treatment covered under this policy
Exclusions
Any pre-existing diseases during the waiting period as specified in the policy.
Expenses related to self-inflicted injuries, suicide, or attempted suicide.
Treatment for alcohol or drug abuse, substance misuse, or addiction.
Cosmetic or plastic surgery unless medically necessary due to an accident or illness.
Treatments related to infertility, sterility, or assisted reproductive technology.
Experimental, unproven, or investigational treatments and procedures.
Injuries or illnesses caused by participation in hazardous or adventure sports.
War, terrorism, nuclear radiation, or biological weapon-related treatments.
Dental treatments unless required due to an accident.
Non-allopathic treatments unless specifically covered by the policy.
OPD treatments, health tonics, vitamins, and dietary supplements unless prescribed.
Congenital diseases and external medical aids like hearing aids or spectacles unless covered.
Treatment received outside India unless the policy provides global coverage.
Hospitalization primarily for diagnostics, observation, or rehabilitation purposes.
Expenses incurred for weight management, obesity treatments, or bariatric surgery.
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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