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Reviewed by Finzony Finance TeamLast updated:
Supreme Enhance is a super top-up health insurance plan designed to provide an additional layer of protection over and above an existing base health insurance policy. The plan starts paying eligible claims once the selected deductible is crossed, making it useful for protecting against large medical expenses.
Super top-up that pays once your total bills in a year cross the deductible
Supreme Enhance can be useful for people who already have a base health insurance policy but want additional protection against high medical bills. The key point to understand is the deductible: the super top-up benefit becomes payable after the aggregate eligible medical expenses cross the selected deductible during the policy period. Deductible and sum insured combinations should be checked 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 hospitalisation expenses are covered up to the applicable sum insured after the deductible requirement is satisfied.
The plan is designed to provide additional protection for large medical expenses.
Eligible day care procedures are covered up to the applicable sum insured.
All eligible day care procedures are covered subject to policy terms.
Eligible medical expenses incurred before hospitalisation are covered subject to the applicable policy limit.
Current Care information provides 60 days of pre-hospitalisation coverage.
Eligible medical expenses incurred after hospitalisation are covered subject to the applicable policy limit.
The current super top-up information provides 90 days of post-hospitalisation coverage.
Eligible advanced technology treatment expenses are covered up to the applicable sum insured.
Coverage is subject to the policy terms and eligible treatment list.
Discounts may be available on selected healthcare services such as consultations and diagnostics through the network.
Availability depends on the applicable service terms.
Digital consultation support is available through the applicable Care platform.
Service availability is subject to applicable terms.
Initial waiting period: 30 days. Named ailment waiting period: 24 months. Pre-existing disease waiting period: 36 months.
Initial Waiting Period
A 30-day initial waiting period applies to illnesses, except accidental injuries.
Named Ailments
Specified named ailments are subject to a 24-month waiting period.
Pre-existing Diseases
Pre-existing diseases are covered after the applicable 36-month waiting period.
Super Top-up Activation
Eligible claims become payable under the super top-up once the selected deductible is crossed according to policy conditions.
Conditions or treatments that the policy clearly says it will not cover.
Supreme Enhance is a super top-up product rather than a conventional first-rupee health plan. It is intended to supplement an existing health insurance arrangement after the selected deductible is crossed.
Insurer
Care Health Insurance plans and claim process
Supreme Enhance is a super top-up health insurance plan that provides additional protection once the selected deductible is crossed.
You select a deductible and a sum insured. Once the aggregate eligible medical expenses during the policy period cross the deductible, eligible expenses can be covered under the super top-up subject to policy terms.
It can be useful for people who already have a base health insurance policy and want additional protection against large medical bills.
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)
Premium paid may qualify for tax benefits under applicable provisions of the Income Tax Act.
Tax rules can change and eligibility should be checked for the relevant financial year.
Renewal Conditions
Coverage continues subject to renewal and the applicable policy terms.
The plan offers high sum insured options, with configurations including ₹20 lakh, ₹50 lakh and ₹1 crore, along with other combinations depending on the selected deductible.
The deductible can vary according to the selected configuration, with current Care information showing deductible options ranging from ₹3 lakh to ₹15 lakh.
Supreme Enhance is a super top-up product where the deductible is considered against aggregate eligible medical expenses during the policy period rather than being treated as a fresh deductible for every separate claim.
A 30-day initial waiting period applies to illnesses, except accidental injuries.
The pre-existing disease waiting period is 36 months.
Specified named ailments have a waiting period of 24 months.
Yes. Eligible day care procedures are covered up to the applicable sum insured.
Yes. Eligible AYUSH treatment is covered subject to the applicable policy conditions.
Yes. Eligible domiciliary hospitalisation is covered up to the applicable sum insured subject to policy conditions.
Yes. Unlimited automatic recharge is available subject to the applicable policy terms.
Yes. The current product information provides a cumulative bonus of 10% of the sum insured per year, up to a maximum of 100% of the sum insured.
Yes. Eligible advanced technology treatments are covered up to the applicable sum insured.
Yes. Eligible organ donor expenses are covered up to the applicable sum insured, subject to policy conditions.
Yes. Eligible road ambulance expenses are covered subject to the applicable policy limit.
Yes. The plan is designed as an additional layer of protection over an existing health insurance arrangement.
Eligible claims can generally be processed through cashless treatment at network hospitals or reimbursement, subject to policy terms.
The minimum entry age is 18 years for adults and 5 years for children, subject to the applicable policy terms.