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Care Supreme Health Insurance Plan

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What is the Care Supreme Health Insurance Plan?

Care Supreme is a comprehensive health plan designed to provide exceptional health coverage and financial security. It is a recently launched health insurance cover for individuals and families, offering extensive benefits at an affordable price. Care Supreme aims to expand the healthcare safety net for families without burdening them with high premium costs. The policy offers wide-ranging coverage, including hospitalisation, AYUSH treatment, day-care procedures, domiciliary care and organ donor coverage up to the sum insured.

Care Supreme is a top-notch health plan and it offers optional benefits like the “Cumulative Bonus Super” that increases the Sum Insured 5 times in 5 consecutive years. It also provides a useful add-on benefit of 30% discounts on renewal premiums for achieving pre-specified fitness goals. Care Supreme is a unique plan that addresses savings, healthcare security and fitness, which are significant insurance concerns.

Find more about the coverage, features, policy and eligibility details of Care Supreme from the following sections.
 

Care Supreme Policy Specifications

KEY FEATURES

Details

Sum Insured (SI)

₹7 L, 10 L, 15 L, 25 L, 50 L & 1 Cr.

In-Patient Care

Up to SI

Day Care Treatment

All Day Care Procedures

Advanced Technology Methods

Up to SI

Pre-Hospitalisation Medical Expenses

60 days before hospitalisation

Post-Hospitalisation Medical Expenses

180 days post hospitalisation

AYUSH Treatment

Up to SI

Domiciliary Hospitalisation

Up to SI

Organ Donor Cover

Up to SI

Ambulance Cover

Up to Rs.10,000 per year for SI < 15 Lacs & up to SI for SI ≥ 15 Lacs

Cumulative Bonus

50% of SI per year, max up to 100% of SI

Cumulative Bonus SuperIncluded for eldest member ≤ 45 years; optional for eldest member > 46 years
Unlimited Automatic RechargeAvailable
Unlimited E-ConsultationsAvailable
Health Care ServicesAvailable

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Coverage Benefits of Care Supreme Policy

The Care Supreme plan offers extensive coverage for both emergency and planned medical expenses, catering to individuals and families. It includes hospitalization costs, ambulance services, AYUSH treatment and even domiciliary hospitalization. Additionally, the plan provides exclusive benefits such as unlimited automatic recharge, women's care, unlimited e-consultations, newborn cover, annual health check-ups and instant cover for added convenience and peace of mind.

Care Supreme Health Insurance Inclusions

  • Insurance for hospitalization expenses, including nursing, doctor’s fees and room rent for at least 24 hours
  • Covers medical procedures under 24 hours of hospitalization
  • Covering the cost of treatment using advanced technology methods like robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy etc
  • Covers medical expenses up to 60 days before hospitalization
  • Covers medical expenses up to 180 days post-hospitalization
  • AYUSH treatment covers charges for in-patient treatment in Ayurveda, Homoeopathy, Siddha and Unani
  • Covers at-home treatment for 3+ days when hospitalization is not possible
  • Covers medical expenses for organ donors during transplant surgery
  • Covers medical expenses for emergency rod ambulance services
  • It provides a 100% bonus on the sum insured, up to a maximum of 500%, for each year without a claim
  • Free annual health checkups for all insured members
  • The PED wait period for pre-existing diseases is from 4 years to 1/2/3 years
  • Changes room rent limit, allows insured to choose twin-sharing or private AC room
  • Covers diagnostic services like mammography, PCOS/PCOD tests and cervical cancer screening up to 50,000 rupees per year
  • Covers medical expenses for newborn from Day 1
  • No waiting period for pre-existing conditions like diabetes, hypertension, asthma and hyperlipidemia
  • Covers outpatient treatment for mental conditions like depression, anxiety, PTSD and OCD
  • Covers medical expenses for air ambulance services in India up to 5 lakh rupees a year
  • Choose a deductible to get a discount on your premium for claims
  • Pay a co-payment on every claim to lower your premium amount
  • Pays for uncovered hospitalization items
  • Reduces waiting period for named ailments from 2 years to 1 year
  • Discounts at network hospitals and 20% co-pay at non-network hospitals
  • Insured get access to discounts, wellness coaches and digital fitness coaching
  • Provides up to 10 lakh rupees additional claim amount
  • Unlimited gym visits in the insurer’s network for a year
     

Waiting Periods

  • The initial waiting period is 30 days
  • Pre-existing disease waiting period is 4 years
  • The specific disease waiting period is 2 years

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Care Supreme Health Insurance Claim Process

Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.

Timely Intimation is Key

  • Contact the helpline number within 24 hours of hospitalization for efficient claim processing.
  • Notify the Care office 48 hours before a planned procedure for pre-authorization and smoother claim settlement. 

 

Choosing Your Claim Path: Cashless or Reimbursement
 

  • For cashless claims at in-network hospitals, request pre-authorization at the insurance/TPA desk. They will handle the paperwork while you focus on recovery.
  • For non-network hospitals or upfront payments, submit the claim form and required documents for reimbursement.

 

Claim Approval Process
 

  1. Complete the pre-authorization form at the hospital's insurance/TPA desk and submit it to Care via fax.
  2. Your request will be reviewed and an approval letter will be sent to you.
  3. Prompt responses from you or the hospital will speed up the claim assessment process. 


Care Health Insurance Claim Process Through Claim Genie
 

At Care Health, accessibility and hassle-free claim processes are the top priorities. With “Claim Genie” integrated into their Care Health Customer App, you can conveniently handle all your health insurance needs. The user-friendly app allows for claim intimation, online form submission, document uploads and real-time claim status tracking. 

Make sure you have all the necessary documents ready for a quick claim settlement, whether you are opting for the cashless or reimbursement method. Having the right paperwork in order will help expedite the process and ensure that you receive timely compensation for your claim.

               

Required Documents for a Smooth Claim Experience

Step 01

Filled and signed claim form with name, policy number, illness details and address.

Step 02

Include all medical test reports and relevant documentation.

Step 03

Original hospital bills, discharge summaries and payment receipts are crucial for claim verification.

Step 04

Attach pharmacy bills and corresponding prescriptions for medication used during treatment.

Step 05

Include police FIR and post-mortem report (if applicable) for accident claims.
 

Claim Intimation Made Easy with Claim Genie

Step 01

Open the Care Health Customer App on your smartphone

Step 02

Find and click “Claim Genie” and then “Claim Intimation” on the home screen

Step 03

Choose between “Emergency” or “Planned” when asked to choose a claim type.

Step 04

Enter claim details for the insured member.

Step 05

Upload your medical documents for your claim.


Track Your Claim Status with Ease

 

To ensure absolute transparency, you have the power to monitor the progress of your claim at any given moment. All you need to do is access the app’s homepage and click on the “Claim Tracking” option. This section provides you with a comprehensive overview of all your active claims. By selecting the “Track Cliam” feature for the specific claim you wish to keep tabs on, you will instantly presented with the most up-to-date status update. Moreover, the app grants you the ability to effortlessly download vital documents, ranging from query and settlement letters to approval notices.
 

Other Insurance Plans

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Care Supreme Health Insurance Contact Details

You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

Phone: 1800-102-4499 (Sales) or WhatsApp: 8860402452 (Services)

Website: Care Health Insurance

Download the Mobile App for easy policy management.

Best Health Insurance Plans In India

When it comes to the best health insurance, there is no “one-size-fits-all” policy. It is like choosing a Netflix or OTT plan - different plans offer different benefits and have different costs. However, this age is designed to meet the diverse needs of most users, making it a versatile and comprehensive health insurance comparison page.

It is essential to conduct a thorough comparison to find the policy that best suits your needs. We have created a comprehensive table of how some of the top mediclaim policies in India compare to others in the industry.

Insurance Provider Plan Name Coverage Type Sum Insured Range Age Limit (Adults) Important Parameters
Care Advantage Health Insurance Plan Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
ICICI Elevate Health Insurance Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
IFFCO Tokio Family Health Protector Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Niva Bupa Aspire Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
Arogya Supreme Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium
TATA AIG Medicare Lite Policy Individual & Family Floater ₹2 Lakh - ₹6 Crore 18-65 years
  • Extensive network hospitals
  • Customizable coverage options
  • Wellness programs
 Check Premium

Frequently Asked Questions (FAQs)

A.

Care Supreme is a comprehensive health insurance plan provided by Care Health Insurance. It caters to the needs of both individuals and families, ensuring holistic coverage for all healthcare expenses. It is a well-rounded solution that offers extensive benefits and aims to provide peace of mind when it comes to healthcare.

A.

The key benefits of Care Supreme health insurance are as follows -

  • Covers hospitalization, pre & post-hospitalization, daycare procedures, domiciliary hospitalization, AYUSH treatment and organ donor expenses.
  • Automatic recharge ensures continued coverage.
  • No maximum age limit for enrolment and suitable for all ages.
  • Increases sum insured by up to 500% over 5 claim-free years, rewarding healthy habits. 
  • 30% discount on renewal premiums for meeting fitness goals. 
  • Vast hospital network for cashless treatment.

A.

The plan is designed to offer extensive health coverage and promote a healthy lifestyle. It is suitable for both individuals and families who are looking for comprehensive benefits.

A.

The minimum age requirement for adults is set at 18 years while children are eligible to join the programme from the age of 90 days. Adults have no maximum age limit but children are covered until they turn 25. 

A.

If you choose the Instant Cover add-on, you can reduce the waiting period for pre-existing conditions like hypertension, diabetes, hyperlipidemia and asthma to just 30 days. This means you can get coverage for these specific conditions much sooner than the standard 48-month waiting period.

A.

Care Supreme provides coverage for mental health treatment through its “Mental Health Well Being” cover, encompassing doctor consultations, counselling and rehabilitation for specified mental illnesses.

A.

No, Care Supreme does not have sub-limits on room rent, ICU charges or other expenses.

A.

You have the option to file a claim through the Care Health Insurance website, mobile app or by contacting customer care. Make sure to have all the necessary documents such as the claim form, medical bills and discharge summary ready to submit.

A.

To ensure efficient claim processing, it is important to consider Care Health Insurance’s recent claim settlement ratio. This will help in making an informed decision while purchasing the policy.

A.

The time it takes to settle a claim depends on its complexity, with simple claims being resolved quickly and complex ones taking longer. Care Health Insurance prioritizes the efficient processing of claims to ensure timely settlements.

A.

Yes, many insurers do offer instalment payment options for their plans. You can inquire with Care Health Insurance to explore the available payment plans and find one that suits your needs.

A.

Yes, Care Supreme covers all daycare procedures without any sub-limits, which provides comprehensive coverage and peace of mind for any potential medical expenses related to daycare treatment.

A.

The Cumulative Bonus Super is a great feature that allows your sum insured to increase by up to 500% for 5 claim-free years. This means that you can enjoy enhanced coverage for future medical expenses.

A.

Care Supreme provides thorough coverage however, it has some exclusions. These typically encompass pre-existing conditions until the waiting period ends, self-inflicted injuries, dental treatment, cosmetic surgery and specific investigational treatments. A comprehensive list of exclusions can be found in the policy document.

A.

No, Care Supreme does not restrict the room options based on rent. You can select a room that suits your preferences and budget and the policy will cover the costs up to the sum insured.

A.

You have multiple options to renew your Care Supreme policy with Care Health Insurance. You can choose to renew online through their website or mobile app, or you can contact their customer care for assistance. To avoid any gaps in coverage, it is recommended to renew your policy before it expires.

A.

Yes, you can transfer your current health insurance policy to Care Supreme but certain conditions and procedures need to be followed. It is recommended to reach out to the Care Health Insurance representatives for more detailed information on portability.

A.

The specific requirements for a health checkup during renewal with Care Health Insurance depend on factors such as the policyholder’s age and sum insured. It is recommended to contact Care Health Insurance directly for accurate information regarding the renewal process.

A.

Yes, you can typically add more family members to your policy when it comes time to renew your policy. Keep in mind that there may be specific terms and conditions that apply to this change, so it is best to review the insurer’s guidelines.

A.

While you cannot change the sum insured mid-term, you can increase it during the renewal process. Care Health Insurance may offer options for changing the sum insured under certain circumstances. Please contact them for more information.

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