Cumulative Bonus Super

Cumulative Bonus vs Cumulative Bonus Super: What’s the Difference?

The meaning of a cumulative bonus in insurance is the extra Sum Insured you earn over time without paying higher premiums. Cumulative Bonus Super (CBS) is an extension of Cumulative Bonus (CB), which doubles your coverage in two consecutive policy renewals. CB in health insurance is an in-built benefit, while you need to pay a little extra amount to get CBS.

Here is how our optional benefit works. See how your coverage stacks up to 7x with Cumulative Bonus Super under the Care Supreme health insurance policy.

Growth of Cumulative Bonus Super

Note:

CB = 50% of Base SI (applies only in the first 2 years in this plan structure)

CBS = 100% of Base SI added every year

Total Coverage = Base SI + CB (if applicable) + CBS

Maximum growth reaches 500% of Base SI, which results in 7X total coverage over the tenure

Also Read: How does 500% Cumulative Bonus Make Care Supreme the Best Health Insurance?

Why is it Important to Choose Health Insurance with CBS?

Choosing the cumulative bonus super in health insurance is one of the smartest ways to grow your coverage without a huge increase in cost. 

Healthcare costs in India are projected to rise by about 13% in 2025, outpacing the global average of ~10%. With CBS, your coverage doubles each year you renew and can increase coverage up to 7 times in the 6th policy year. Even better, this growth continues even if you make a claim, so your protection never takes a step back.

Faster Growth of SI

With CBS, your sum insured doubles every year (100% increase), rather than growing slowly by 50% as with the regular bonus. This means your health cover grows quickly without raising your base premium.

Much Higher Coverage Limit

Over time, your total coverage can grow up to 7 times your original sum insured. So, a ₹5 lakh cover can become ₹35 lakh, giving you a huge safety net for the future.

Claim Protection and Continued Growth

Even if you make a claim, your bonus doesn’t reduce. Your policy keeps growing each year, and the extra CBS amount is applied when your claim is paid, ensuring you always have maximum coverage available.

Who Should Opt for Cumulative Bonus Super (CBS)?

Choose CBS if you want your health cover to grow aggressively without increasing your base premium. It is ideal for:

• People planning long-term medical security: CBS boosts your total coverage up to 500%, giving strong protection against rising medical inflation.
• Young adults who want affordable high coverage: A small extra premium early on helps you build a significantly larger cover over time.
• Families with evolving healthcare needs: Perfect for parents, couples planning a family, or anyone with dependents who may need more coverage in the future.
• Individuals living in metros or high-cost medical zones: CBS helps offset the steep treatment and hospitalisation costs in major cities.
• Anyone who wants coverage stability even after claims: Your coverage keeps growing with CBS, even if you claim during the policy year.
• People who want predictable premiums: Your base premium remains unchanged, while your total coverage expands every year.

Key Features of Cumulative Bonus Super

Cumulative Bonus Super (CBS) enhances your health cover by offering faster, claim-proof growth. Its primary features include:

• Annual 100% increase in sum insured: Your coverage doubles every year, up to a maximum of 500% in the 6th policy year.
• Coverage growth continues after claims: Claims do not reduce your accumulated bonus or stop future growth.
• Up to 7x total coverage: When combined with your base Sum Insured and regular CB, CBS can increase your total coverage up to 7 times.
• Affordable add-on: Get significantly higher coverage by paying a small, optional premium on top of your regular plan.
• Works with in-built cumulative bonus: CBS enhances your existing bonus benefit, allowing coverage to grow faster.
• Applicable with specific benefits: Accumulated CBS can be used for base benefits like hospitalisation and ambulance charges

How the Accumulated Cover is Utilised During a Claim

The accrued amount from the Cumulative Bonus Super can be utilised for the following Base Benefits under the Policy:

• Hospitalisation Expenses
• Road Ambulance Cover

The maximum you can claim in a year includes your base sum insured plus any additional benefits, such as the Cumulative Bonus Super (if applicable). When a claim is made, payouts are issued in a set order to ensure you get the most from your enhanced coverage.

• Sum Insured
• Plus Benefit (as applicable)
• Cumulative Bonus
• Cumulative Bonus Super (as applicable)
• Unlimited Automatic Recharge

Eligibility & Conditions

To get the Cumulative Bonus Super under the Care Supreme plan, certain conditions apply. These include:

• Available only with eligible plans: CBS can be selected as an optional add-on at the time of purchase or renewal of the Care Supreme health insurance policy.
• Continuous renewals required: The benefit is applicable only if the policy is renewed without any break.
• Age eligibility: All insured members covered under the eligible plan are eligible to receive CBS per the policy terms.
• Floater & individual policies: CBS applies to both, but distribution may vary if a floater policy is split.
• Proportional adjustments: If you increase or reduce your Sum Insured, the accumulated bonus is adjusted proportionately.
• Regulatory compliance: CBS is governed by IRDAI guidelines and the specific terms in the policy document.

Who cannot opt for the Cumulative Bonus Super (CBS)?

Under the Care Supreme plan, CBS cannot be taken if:

• The policy is not renewed continuously
• The plan variant does not offer CBS
• The add-on was not selected at purchase or renewal
• Members split from a floater plan
• Insured switches to a non-eligible plan

CBS Usage Rules with Recharge and Add-On Benefits

The Cumulative Bonus Super in health insurance works alongside your policy’s other benefits, but it has specific rules for calculation and usage:

• Exclusions: Certain benefits, such as Unlimited Automatic Recharge and Plus Benefit, are not included when calculating the Cumulative Bonus Super.
• Order of Use: CBS is utilised before other add-ons. Unlimited Automatic Recharge activates only after the base Sum Insured, Cumulative Bonus, and CBS are fully used.

In short, CBS grows independently of some benefits but also ensures you get maximum coverage before tapping into other additional benefits.

As healthcare expenses are rising faster than regular health insurance coverage can keep up. That’s why choosing a benefit that aggressively increases your cover, without increasing your base premium, is no longer optional; it’s essential.