Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare needs. The best part here is that you get a wide range of coverage benefits at a minimal cost of premiums. The basic to standard insurance coverage helps meet health and wealth all at a time by covering pre and post-hospitalisation, daycare procedures, organ donor expenses, domiciliary hospitalisation, and AYUSH in-patient treatment up to the limit of basic sum insured.
Additionally, you can avail of health and wellness rewards such as up to 30% discount on the next renewal, all you need is to maintain your fitness and live healthily. This is not over yet. Care Supreme health policy offers you add-on choices like OPD, PED waiting period reduction, health check-up cover, Cumulative Bonus Super benefit (the sum insured gets increased by 5% in just 5 concurrent policy term/s), and so on. These are just a drop of benefits to catch your attention, read further to dive deep into the ocean of USPs that Care Supreme has to offer you- like the name says 'Supreme'.
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Care Health Insurance Plan Detailed Review
Care Supreme Plan Eligibility Criteria
Entry Age
Child Minimum: 91 Days Maximum: 24 Years
Sum Insured
5 L | 7 L | 10 L | 15 L
Adult Age
Minimum: 18 Years Maximum: 60 years
Plan Type
Individual & Family floater
Policy Term
1/2/3 Year
Initial Waiting Period
30 Days
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
Highlights of Care Supreme Health Insurance
The major highlights of the Care Supreme health insurance plan are given here so that you can utilise your policy better:
Get up to 500% of the maximum raise in sum insured with Cumulative Bonus Super cover
Get an unlimited sum insured recharge for uncompromised coverage benefits
AYUSH treatment, organ donor cover, and domiciliary hospitalisation without any capping and sub-limits
Avail of the unlimited e-consultation benefits under Discount Connect cover for expert consultation, pharmacy, and diagnostic tests
Avail of a 30% bonus for maintaining a better lifestyle with wellness benefits
Choose Your Care Supreme Plan
Individuals can select their preferred sum-insured variant for Care Supreme Plan with optional coverage features.
In-patient & Out-patient coverage
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 180 days
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
Coverage Terms
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Applicable
Daily Hospital Cash
Not available
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Not Available
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Available
Modern Treatment
Covered
Emergency Coverage
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Limitations
Co-payment
Not Applicable
Sub-limits
Not Available
What is Room Rent?
Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, the room rent is covered up to Sum Insured.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan, ICU charges are covered up to Sum Insured.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan medical expenses incurred during pre-hospitalization are covered for up to 60 days.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, medical expenses incurred during post-hospitalization are covered for up to 180 days.
What is Domiciliary Hospitalization?
Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, domiciliary hospitalization is covered up to SI.
What is Daycare Treatment?
Treatments that can be completed within a day like blood dialysis, and cataract, also including advanced procedures like chemotherapy, keto therapy, etc.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan daycare procedures are covered.
What are OPD charges?
The cost of doctor consultation and prescribed medical tests that may not require hospitalization.
Coverage status under Care Supreme Plan?
Care Supreme Plan does not cover OPD charges.
What is COVID-19 Treatment?
Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Care Supreme Plan?
Covid-19 Covered.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Care Supreme Plan?
Care Supreme Plan covers Cataract treatment.
What is a No-Claim Bonus?
For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain
percentage that varies from plan to plan.
Coverage status under Care Supreme Plan?
The no-claim Bonus is available, 50% of SI, up to a maximum of 100% of SI under the Care Supreme Plan.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan automatic restoration is available for unlimited times for same or unrelated illness.
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Care Supreme Plan?
The daily hospital cash is not available under Care Supreme Plan.
What is an Organ Donor Cover?
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, organ donor expenses are covered up to SI.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedures deliveries.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan maternity expenses are covered as a health service benefit.
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments
can vary from plan to plan:
Congenital anomaly (conditions since birth)
Acute condition
Chronic condition
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under Care Supreme Plan?
Under Care Supreme Plan the newborn baby cover is not available.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Care Supreme Plan?
AYUSH Treatment is covered Under Care Supreme Plan up to SI.
What is IVF Treatment?
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan IVF treatment is not covered.
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, Modern Treatments are covered up to SI.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, Ambulance expenses are covered up to Sum Insured
For SI below 15 Lakh INR - up to 10,000 INR
For SI 15 Lakh INR - up to SI
What is an Air Ambulance?
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, Air Ambulance is available as an optional cover, for up to INR 5 Lakh per year.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan compassionate travel is not covered.
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan Global coverage is not available.
What is E-Consultation?
If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, e-consultation is covered. It is an Unlimited e-consultation facility with general physicians.
What is a Health Checkup?
A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan, a health checkup is covered as an optional benefit for all insured lives once per policy period.
What is a Second Medical Opinion?
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage status under Care Supreme Plan?
Under Care Supreme Plan second medical opinion is not covered.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan, vaccination expenses are not covered.
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Coverage status under Care Supreme Plan?
Under the Care Supreme Plan co-pay is not applicable.
What is the Sub limit?
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.
Coverage status under Care Supreme Plan?
Applicable under Care Supreme Plan.
Add-ons to Maximize Your Care Supreme Insurance Benefits
If you ever feel that your Care Supreme insurance policy is not enough to cover specific conditions that you require cover for, you can buy these add-on covers to optimize the benefits afterwards. And guess what? This acts as a cherry on the top. Read below the add-on covers that you can buy with the Care Supreme plan:
Annual health check-up
Cumulative Bonus Super (up to 500% sum insured raise)
Wellness benefits (up to 30% discount)
Claim shield (for non-payable item/s cover)
Instant cover (for pre-existing diseases)
Reduction in the waiting period for pre-existing diseases
Care OPD (to avail of specified consultation benefits)
Care Health Insurance Network Hospital List
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 9747+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
Permanent diseases or health conditions that are not included under Care Supreme Plan Health Insurance are:
Hospitalization out of war, riot, strike, and nuclear weapons
Intentional self-injury
Miscarriage, and abortion
Congenital Disease
Infertility and in vitro fertilization
OPD treatment
Coverage after Waiting Period
Pre-Existing Diseases 48 months
Listed Ailments 24 months
Care Supreme Plan Benefits
Tax Benefits
Get tax relief under section 80D
Automatic Restore
Take advantage of unlimited automatic restoration
E-consultations
Avail Consultations
Optional Benefits
Select multiple optional Benefits
Lifestyle Improvements
Avail Wellness Benefit
Final Words
Care Supreme is a health insurance policy that will not only save you and your family from the repercussions of future health problems. But it will also help you save more on healthcare expenses and cover almost every kind of medical emergency. This policy gives you ultimate coverage with less investment and also offers unique wellness rewards. So why the wait for? Visit the main page of Care Health Insurance on our official website of Policyx.com to 'get a quote' for this plan. Or you can directly reach out to our customer care at 1800 4200 269 to get a resolution to your queries.
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