Care Supreme Plan - Features, Benefits and Coverage Premium
Care Health Insurance Care Health Insurance ★ 4.4

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 · 2,714 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 cost of premiums. 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 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 consecutive policy terms), 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'. Carefully read about Care Supreme health plan and understand how to calculate premiums, buying process, as well as renewal benefits with this article.

Add-ons to Maximize Your Care Supreme Plan 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)

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 Supreme Health Insurance Plan Review | Honest Review by PolicyX

Care Supreme Health Insurance Plan Review | Honest Review by PolicyX

Care Health Insurance Review | Care Supreme Health Insurance Review

Care Health Insurance Review | Care Supreme Health Insurance Review

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Highlights of Care Supreme Health Insurance

The major Care Supreme health insurance plan benefits are given here so that you can 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 of the 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

    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

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.

Know More About Network Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions that are not included under the Care Supreme Plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • AIDS
  • Miscarriage, and Abortion
  • Congenital disease
  • Infertility and in vitro fertilization
  • Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
  • Listed ailments after 24 Months
  • Pre-existing diseases after 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 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 wait? 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.

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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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

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