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Care Supreme Health Insurance Plan Review | Honest Review by PolicyX
Care Health Insurance
Care Supreme Plan
Care Supreme is an extensive coverage health insurance plan that safeg ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,718 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement
About Care Supreme Plan
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
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 of the Care Supreme Plan is that you get a wide range of coverage benefits at a minimal premium cost. Care Supreme health insurance plan benefits include pre and post-hospitalisation, daycare procedures, organ donor expenses, domiciliary hospitalisation, and AYUSH inpatient treatment up to the limit of basic sum insured.
Additionally, you can avail of health and wellness rewards such as up to a 30% discount on the next renewal; all you need is to maintain your fitness and live healthily. Furthermore, Care Supreme health policy offers add-on choices like OPD, PED waiting period reduction, health check-up cover, Cumulative Bonus Super benefit (the sum insured increases by 5% for every 5 consecutive policy terms), and so on. These are just a few benefits to catch your attention. Read further to explore the comprehensive benefits that Care Supreme offers. This article details the Care Supreme health plan, including premium calculation, buying process, and renewal benefits.
Add-ons to Maximize Your Care Supreme Plan Benefits
If you feel your Care Supreme insurance policy is not enough to cover specific conditions, you can buy these add-on covers to optimize the benefits. 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 items cover)
- Instant cover (for pre-existing diseases)
- Reduction in the waiting period for pre-existing diseases
- Care OPD (to avail of specified consultation benefits)
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
18 years to No age limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
LIfelong
Policy term
1,2,3 Years
*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.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Modern treatments
- Renewal discounts
- Unlimited e-consultation
Cons
- Illegal activities
- alcohol abuse
- obesity treatments
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Care Health Insurance Review | Care Supreme Health Insurance Review
Care Health Insurance Plan Detailed Review
Highlights of Care Supreme Health Insurance
Here are the major benefits of the Care Supreme health insurance plan to help you utilize 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 unlimited e-consultation benefits under Discount Connect cover for expert consultation, pharmacy, and diagnostic tests
- Avail up to a 30% discount on renewal for maintaining a healthier lifestyle under wellness benefits.
Care Supreme Plan Benefits
Tax Benefits
Automatic Restore
Take advantage of unlimited automatic restoration
E-consultations
Avail e-consultations
Optional Benefits
Select multiple optional benefits
Lifestyle Improvements
Avail wellness benefits
Care Health Insurance Network Hospital List
Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent exclusions under the Care Supreme Plan include:
- Hospitalization due to war, riot, strike, or nuclear weapons
- Intentional self-injury
- AIDS
- Miscarriage and abortion
- Congenital disease
- Infertility and in vitro fertilization
- Certain diseases and treatments are covered after a specified waiting period:
- Listed ailments: 24 Months
- Pre-existing diseases: 36 Months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min entry age: 18 Years
- Max entry age: No age limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Other features & benefits
Final Words
Care Supreme is a health insurance policy that will not only protect you and your family from future health problems but also help you save on healthcare expenses by covering almost every kind of medical emergency. This policy gives you ultimate coverage with less investment and also offers unique wellness rewards. So, why wait? Visit the Care Health Insurance page on PolicyX.com to get a quote for this plan. Alternatively, you can contact our customer care at 1800 4200 269 for assistance.
Care Supreme Plan: FAQs
The 9 most-asked questions about Care Supreme Plan, answered.
The eligibility criteria for Care Supreme Plan is as follows Minimum entry age for adults - 18 years Maximum entry age for adults - 60 years Minimum entry age for child - 91 days Maximum entry age for child - 24 years
The available sum insured variants for policyholders are 5 L | 7 L | 10 L | 15 L.
Yes, individuals can add up to 2 dependent children under the Care Supreme Plan family floater variant.
Yes, the amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.
Yes, Maternity cover is available under Care Supreme Plan.
The Care Supreme plan covers major medical needs, including hospitalization, pre- and post-care, daycare treatments, and domiciliary care, with options like unlimited sum restoration and pre-existing disease coverage.
Yes, Care Supreme covers pre-existing diseases, but only after the standard 3-year waiting period unless you buy add-ons like Instant Cover or PED Wait Period Modification, which reduce it significantly.
You can buy the Care Supreme Plan from age 18 to 99 years, while children aged 90 days to 24 years can be covered. It’s available as an individual plan for up to six members or a family floater for two adults and two children.
The Care Supreme Plan has a standard 36-month waiting period for pre-existing diseases, but conditions like diabetes, hypertension, asthma, and obesity can get a reduced 30-day waiting period if you opt for the relevant add-on.
Conclusion
A high coverage modern plan with flexible benefits, suitable for families seeking strong protection
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