Care Supreme
Overview
Care Supreme is a feature-rich and comprehensive health insurance plan offered by Care Health Insurance. The plan covers all the base health insurance benefits at actuals making it a great choice for anyone. You can pick any room while your insurer covers your hospitalisation expenses without any sub-limits or restrictions.
You have some add-ons too to customise your coverage based on your requirements. Get instant cover on diabetes, hypertension, hyperlipidemia or asthma by opting for Instant Cover add-on. Take your cover to 7X by adding the Super No-Claim Bonus option.
Care Supreme is a reasonably priced health insurance plan for the benefits it offers. The plan is definitely a value buy. Moreover, the cover is available to adults without any age bar. One big challenge here is the high volume of claim-related complaints faced by the insurer. We need to wait and watch how the company deals with this issue and ensure better claim service to customers in future.
Pros and Cons
- Super No-Claim Bonus – Get 7X coverage in 6 years by opting for this add-on.
- Instant cover – Get pre-exiting diseases such as diabetes, hypertension, hyperlipidemia and asthma covered with a waiting period of just 30 days with this add-on.
- No room rent restrictions – Covers all room categories. Choose any room available in the hospital and you are fully covered.
- Covers all day care procedures – Covers surgeries and procedures which require less than 24 hour hospitalisation.
- No restrictions or sub-limits – Covers all treatments at actuals other than those specifically excluded.
- Unlimited automatic restoration – Get unlimited automatic recharges at no extra charge.
- Reasonably priced health insurance plan.
- Long waiting period of 36 months on pre-exiting illnesses.
- Claim Shield – Base plan does not cover cost of consumables. You have to opt for claim shield add-on to get this cover.
- High volume of claim-related complaints.
Plan Benefits
Never run out of coverage
Care Supreme offers unlimited automatic recharge of the base sum insured for all insured members. The recharge activates every time your coverage is used, for both related and unrelated illnesses, ensuring you never pay out-of-pocket due to exhaustion of sum insured.
No room restrictions
You get coverage for any room category without any financial capping. There are no deductions in claim amount based on the room you choose.
Get instant cover for pre-existing health conditions
Opt for instant cover add-on to get immediate cover, after a 30 days waiting period, for diabetes, hypertension, hyperlipidemia or asthma. Good choice for those living with these health issues.
2X Coverage in 2 years with cumulative bonus
Your coverage increases by 50% of sum insured on 1st renewal and another 50% on 2nd renewal, doubling your coverage in 2 years. The bonus is automatically credited and does not reduce even if you make a claim during the policy year.
6X Coverage with cumulative bonus super
Opt for cumulative bonus super to get 100% of base sum insured added every year irrespective of claims, up to a maximum of 500% over 5 years. This coupled with regular cumulative bonus takes your coverage 7X in 6 years.
All daycare procedures covered
The plan covers daycare treatments which require less than 24 hours of hospitalisation, including advanced medical and surgical procedures, without any sub-limits.
Pre and Post-hospitalisation expenses covered
Covers expenses for 60 days before and 180 days after hospitalisation, up to sum insured. This includes diagnostics, medications, doctor consultations, and other necessary medical costs.
Alternative medicine covered
Covers inpatient hospitalisation expenses under AYUSH (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) at recognised hospitals, up to the sum insured. Treatment must be under a qualified AYUSH practitioner to get the cover.
Coverage even if you are forced to be hospitalised at home
Covers domiciliary hospitalisation expenses when you are forced to be hospitalised at home up to the sum insured when you cannot be moved to a hospital due to a medical condition or beds are unavailable, you can get hospitalised at home under the supervision of a medical practitioner. A minimum 3 days of treatment at home is required for claim to be admissible.
Covers organ donor expenses
Need an organ transplant? Your insurer covers the medical expenses incurred in harvesting the organ from an organ donor, in case you are the organ recipient.
Option to reduce PED waiting period
With this add-on feature, you can reduce the waiting period on pre-existing diseases from 3 years to 1 or 2 years.
Get free annual health check-up
All insured members can undergo a preventive health check-up once every policy year. This is an add-on benefit and claiming this does not decrease your base health cover amount.
Unlimited E-Consultation
Get access to unlimited online consultations in a policy year with general physicians through the insurer’s network.
Policy Conditions
| Sum Insured Range | Rs. 5 Lakh and 1 Crore |
| Entry Age | 90 Days – 24 Years for dependent children, 18 Years onwards for adults |
| Policy Tenure Options | 1, 2 or 3 Years |
| Coverage Types | Individual, Multi-Individual and Family Floater |
| Family Coverage | Up to 2 adults and 2 children under the family floater option, up to 6 members under multiindividual option |
| Premium Payment | Annual |
Exclusions
Waiting Periods
- Initial Waiting Period: 30 days (except accidents)
- Specific Illness Waiting Period: 24 months
- Waiting Period on Pre-Existing Diseases: 36 months (option to reduce with add-on)
Medical Exclusions
- Maternity / Sterility or Infertility
- Obesity Control
- Cosmetic Surgery
- Unproven Treatment
- Dental Treatment
- Refractive Error Correction for less than 7.5 diopters
Non-Medical Exclusions
- Investigation and Evaluation
- Self-injury or attempt to suicide
- Alcoholism, drug or substance abuse
- Expenses for treatment necessitated by committing breach of law with criminal intent
- Expenses for treatment taken by a medical practitioner outside his discipline.
About Care Health Insurance
Care Health Insurance, formerly known as Religare Health Insurance, is a stand-alone health insurer in India, which was founded in 2012. It is a subsidiary of Religare Group and is backed by a strong investor base including Kedaara Capital and Union Bank of India.
Care Health Insurance is a prominent player in the retail health insurance segment in India and focuses exclusively on health, wellness, and travel insurance. The insurer offers specialised health policies including immediate cover for lifestyle illnesses, senior citizen plans, and special plans for patients with major illnesses such as heart ailments, stroke etc.
Performance Highlights (FY24)
Turnover – Rs. 7,022 Crore
Claim Settlement Ratio – 92.61%
Incurred Claim Ratio – 58%
Volume of Claim Complaints – 39 / 10,000 claim
Network Hospitals – 11,400+
Get In Touch
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Frequently Asked Questions
What is the sum insured range available under Care Supreme?
Care Supreme offers sum insured options ranging from Rs. 5 Lakh to Rs. 1 Crore.
What is the entry age limit for Care Supreme?
The minimum entry age is 91 days for dependent children and 18 years for adults. The maximum entry age for dependent children is 24 years and there is no upper age limit for adults.
Who can be covered under one policy in Care Supreme?
Family floater option in Care Supreme allows up to 2 adults and 2 children; multi-individual option allows up to 6 members. You can cover your spouse, children, parents, parents-in-law or grandparents.
Are pre-existing diseases covered under Care Supreme?
Yes, Care Supreme covers pre-existing diseases after a waiting period of 3 years. However, with the ‘Instant Cover’ add-on, you can reduce the waiting period to 30 days for some health conditions such as hypertension, diabetes, hyperlipidemia, or asthma.
What is the waiting period for new illnesses under Care Supreme?
There is an initial waiting period of 30 days except for accidental claims. All illnesses other than those mentioned under specific and permanent exclusions are covered post the initial waiting period.
Are there any sub-limits or caps on room rent or ICU charges under Care Supreme?
No, there are no limits on room rent or ICU charges under Care Supreme. You can pick any room you like in the hospital.
Does Care Supreme cover day care treatments?
Yes, Care Supreme covers day care procedures and surgeries that require less than 24 hour hospitalisation.
Does Care Supreme cover OPD expenses?
Yes, Care Supreme offers optional OPD cover. You can buy it with an add-on.
Is there a copayment clause in Care Supreme Policy?
No, Care Supreme health insurance plan does not impose a co-payment clause.
Does Care Supreme cover AYUSH treatments?
Yes, the plan covers AYUSH (Ayurveda, Yoga, Unani, Siddha and Homeopathy) expenses in case of hospitalisation up to sum insured.
Are annual health check-ups included under Care Supreme?
Yes, Care Supreme provides annual preventive health check-up to all insured lives under a policy. But, this is an optional benefit and you can purchase it with an add-on.
Does Care Supreme provide cashless treatment?
Yes, the plan offers cashless treatment at 11400+ network hospitals across India.
Is maternity or newborn coverage included under Care Supreme?
No, Care Supreme does not cover maternity or newborn care expenses.
What wellness benefits are offered under Care Supreme?
Care Supreme includes wellness benefits like health rewards, fitness-related discounts on renewals, and access to wellness coaches and programs.
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