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.

What’s Covered and Not Covered in Care Supreme Policy

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

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.

Cashless Claims Process

Go to the closest network hospital of care health company.

Approach the front desk to speak with the TPA, or third-party administrator.

TPA will complete and submit your application to Care Health Insurance on your behalf.

If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.

You can begin receiving therapy at the hospital as soon as you receive approval.

Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).

Pay your hospital costs in full and turn in all required paperwork.

Complete and send in a claim form.

Await the insurer's permission and status report.

Keep in mind that you must:

Submit all paperwork with your claim form within 15 days of discharge.
Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

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 Health Insurance	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 Lombard Health Insurance	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 Health Insurance	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 Health Insurance	Niva Bupa Aspire Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
SBI Health Insurance	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 Health Insurance	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)

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 Super	Included for eldest member ≤ 45 years; optional for eldest member > 46 years
Unlimited Automatic Recharge	Available
Unlimited E-Consultations	Available
Health Care Services	Available

Care Supreme Health Insurance Plan

What is the Care Supreme Health Insurance Plan?

Care Supreme Policy Specifications

Choose the Best Health Insurance Plan

Coverage Benefits of Care Supreme Policy