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Reviewed by Finzony Finance TeamLast updated:
Care Supreme is a comprehensive health insurance plan designed for individuals and families looking for broad hospitalisation protection with high sum insured options. The plan covers inpatient hospitalisation, day care procedures, advanced technology treatments, AYUSH treatment, domiciliary hospitalisation, organ donor expenses, pre and post hospitalisation expenses and emergency ambulance services. It also provides unlimited automatic recharge and a cumulative bonus that can significantly increase the available coverage over time.
Comprehensive base coverage up to ₹1 Crore — with instant cover feature and no room rent capping.
Care Supreme is positioned as a broad comprehensive health insurance plan rather than a specialised product. Its major strengths are high sum insured options, no sub-limits on several major treatment categories, unlimited automatic recharge and the ability to grow coverage through the cumulative bonus. The policy also provides accident coverage from day one. Buyers should still check the selected sum insured, waiting periods, applicable optional benefits and policy terms before purchase.
Care Health Insurance
Key Insights
Founded
2012
Care Health Insurance was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.2% CSR, calculated as a 3-year average
Care Health Insurance settles 95.2% of all claims it receives, demonstrating strong credibility.
Network Hospitals
11,400+
Care Health Insurance has a network of 11,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Eligible inpatient hospitalisation expenses including room rent, ICU, diagnostics and other covered medical expenses are covered up to the applicable sum insured.
Care Supreme provides broad inpatient hospitalisation coverage without sub-limits on several major treatment categories.
Eligible day care procedures that do not require a 24-hour hospital stay are covered.
The product covers eligible day care procedures such as cataract, chemotherapy, dialysis and stone removal subject to policy terms.
Eligible advanced technology treatment expenses are covered up to the applicable sum insured.
Coverage is subject to the treatments and conditions specified in the policy.
Eligible medical expenses incurred before hospitalisation are covered for the applicable pre-hospitalisation period.
Current Care Supreme information provides coverage for 60 days before hospitalisation.
Eligible medical expenses incurred after discharge are covered for the applicable post-hospitalisation period.
Current Care Supreme information provides coverage for 180 days after hospitalisation.
Annual health check-up is available for insured members according to the applicable product configuration and policy terms.
Current Care product information lists annual health check-up as an available benefit; buyers should confirm whether it is included or selected as an optional benefit.
Insured members can access unlimited general physician e-consultations through the applicable Care digital platform.
Accidental injuries: 0-day waiting period. Initial waiting period for illnesses: 30 days. Named ailments: 24 months. Pre-existing diseases: 36 months.
Accidental Injuries
Coverage for unforeseen accidents starts from day one according to the applicable policy conditions.
Initial Waiting Period
A 30-day initial waiting period applies to illnesses. Coverage begins from the 31st day, except for accidental injuries.
Named Ailments
Specified named ailments and treatments are subject to a 24-month waiting period.
Pre-existing Diseases
Treatment related to pre-existing diseases is covered after the applicable 36-month continuous coverage waiting period.
Conditions or treatments that the policy clearly says it will not cover.
Care Supreme is designed for general medical needs and provides comprehensive protection across hospitalisation, day care, advanced treatments, AYUSH, domiciliary treatment and organ donor expenses. It is suitable for people who want a larger overall health insurance cushion rather than a disease-specific plan.
Insurer
Care Health Insurance plans and claim process
Care Supreme is a comprehensive health insurance plan designed to provide broad hospitalisation and healthcare protection with high sum insured options.
Care Supreme can be suitable for individuals and families looking for comprehensive health insurance with high coverage, broad treatment benefits and unlimited automatic recharge.
Current Care Supreme product information lists sum insured options of ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹25 lakh, ₹50 lakh and ₹1 Crore.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Care Health Insurance website before purchasing.
Contact Details
1800 102 6655
Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009
The aforementioned ratios have been averaged over three years (FY24-FY26)
Service availability is subject to the applicable terms.
Optional coverage may be available for in-clinic OPD consultations with physicians and specialists.
This benefit may require additional premium and has separate conditions.
Eligible policyholders may receive discounts on renewal premiums based on the applicable wellness programme.
Current Care Supreme information mentions discounts of up to 30% on renewal premiums.
Eligible digital healthcare services can provide access to consultations and selected healthcare support.
Availability depends on the applicable product and service terms.
Specified Treatments
Specific procedures and treatments remain subject to their applicable waiting periods and policy conditions.
Yes. The current product provides a ₹1 Crore sum insured option, subject to eligibility and policy terms.
Current Care Supreme information states that there are no sub-limits on hospitalisation and specifically highlights no sub-limits on room rent and ICU charges under the current product configuration.
Yes. The current product information specifies a 0-day waiting period for unforeseen accidents, meaning eligible accident-related coverage starts from day one.
The initial waiting period for illnesses is 30 days. This waiting period does not apply to eligible accidental injuries.
The current Care Supreme information specifies a 36-month waiting period for pre-existing diseases.
Named ailments and specified treatments have a 24-month waiting period.
Yes. Eligible day care procedures are covered, including procedures that do not require a 24-hour hospital stay, subject to policy terms.
Yes. Eligible AYUSH hospitalisation is covered up to the applicable sum insured subject to the policy conditions.
Yes. Eligible domiciliary hospitalisation is covered up to the applicable sum insured subject to the policy conditions.
Yes. Eligible expenses related to an organ donor operation are covered when the donated organ is used for the insured member, subject to policy conditions.
Care Supreme provides a cumulative bonus that can increase the available sum insured substantially. Current product information states that the sum insured can grow up to 7x in five years.
Yes. Unlimited automatic recharge replenishes the sum insured when it is exhausted during the policy year, subject to the applicable terms.
Yes. Eligible advanced technology treatment methods are covered up to the applicable sum insured.
Yes. Annual health check-up is available under the product. The current Care page indicates that this benefit can be an optional benefit under the base policy, so the selected configuration should be checked.
Depending on the applicant's current health status, Care may require pre-policy health check-ups before issuing the policy.
Yes. Care Supreme supports individual and family floater structures. The current product information allows up to 2 adults and 2 children under the family floater structure.
Yes. The plan provides lifelong renewal subject to the applicable policy terms.