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.

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.

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.

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.

Unlimited E-Consultation

Get access to unlimited online consultations in a policy year with general physicians through the insurer’s network.

Add-ons

Instant Cover – For select illnesses

Instant cover add-on provides immediate cover (after a 30 day waiting period) for pre-existing conditions, including diabetes, hypertension, hyperlipidemia, or asthma. A good choice for those living with these health issues.

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.

Cumulative Bonus Super – 6X Coverage

This add-on provides 100% of the base sum insured as bonus every year, irrespective of claims, up to a maximum of 500% over 5 years. This benefit, coupled with regular cumulative bonus, takes your coverage 7X in 6 years.

Annual health check-up

All insured members can undergo a preventive health check-up once every policy year. Claiming under this benefit does not impact your base health cover amount.

Claim Shield – Cover non-medical items

This add-on covers non-medical items used during the treatment, including gloves, syringes, and masks, among others. Since these items cost 10% to 20% of every claim, this is a must-have add-on.

OPD consultation cover

This add-on offers cover for out-patient (OPD) consultations with general physicians and specialists of your choice. It also covers the cost of medication prescribed by the medical practitioner.

Air Ambulance Cover

You get cover for air ambulance charges up to Rs. 5 Lakh in case of an emergency.

Wellness Benefit

Walk 10,000 steps daily for a set number of days to stay healthy and get a discount on your renewal premium. Step tracking happens through the insurer’s mobile app.

Be-Fit Benefit

This add-on encourages an active and healthy lifestyle by providing access to unlimited visits in empanelled gyms/fitness centres.

Policy Conditions

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+