Get Quote
Cumulative Bonus Super (CBS) is an add-on in health insurance that boosts your Sum Insured by up to 500% over a few policy years, even after a claim, without increasing your base premium.
Reasons to Choose Care Health Insurance?
Unlimited Automatic Recharge
No Zone-based Copayment
Unlimited E-consultation
Up to 30% Renewal Discount
The Cumulative Bonus Super (CBS) is an exclusive Optional Benefit designed to increase your Sum Insured by up to 100% each year, up to 500% in the 6th policy year. The add-on benefit is a powerful extension of the standard cumulative bonus in health insurance, allowing an increase in the Sum Insured without a premium increase. Cumulative Bonus Super is available as an add-on benefit in the Care Supreme health insurance plan.
For example:
Let’s say you start with a โน10 lakh health cover.
By investing a small additional amount today, the insured can secure a significantly stronger financial safety net for the future. The added cost for CBS is truly worthwhile, offering enhanced and faster-growing coverage.
Choosing a cost-effective Domiciliary Hospitalisation in Health Insurance simplifies healthcare management protection compared to multiple individual policies. At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best family health insurance plans in India. Here are some of our top-selling the best medical insurance for family:
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.
| Policy Year | Base Sum Insured (โน in lakh) | Claim Made | Cumulative Bonus (CB) | Cumulative Bonus Super (CBS) | Total Coverage (โน in lakh) |
|---|---|---|---|---|---|
| 0 (Start) | 10 | Yes/No | – | – | 10 |
| 1 | 10 | Yes/No | +5 | +10 | 25 |
| 2 | 25 | Yes/No | +5 | +10 | 40 |
| 3 | 40 | Yes/No | – | +10 | 50 |
| 4 | 50 | Yes/No | – | +10 | 60 |
| 5 | 60 | Yes/No | – | +10 | 70 |
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?
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.
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.
Over time, your total coverage can grow up to 7 times your original sum insured. So, a โน5 lakh cover can become โน35 lakh, giving you a huge safety net for the future.
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.
Choose CBS if you want your health cover to grow aggressively without increasing your base premium. It is ideal for:
Cumulative Bonus Super (CBS) enhances your health cover by offering faster, claim-proof growth. Its primary features include:
The accrued amount from the Cumulative Bonus Super can be utilised for the following Base Benefits under the Policy:
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.
To get the Cumulative Bonus Super under the Care Supreme plan, certain conditions apply. These include:
Under the Care Supreme plan, CBS cannot be taken if:
The Cumulative Bonus Super in health insurance works alongside your policy’s other benefits, but it has specific rules for calculation and usage:
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.
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
If you split your Floater policy into two or more individual or floater policies, the Cumulative Bonus Super will be divided among the new policies based on their sum insured.
No. Claims do not affect the growth of your Cumulative Bonus Super.
If the sum insured is reduced, the Cumulative Bonus Super is adjusted proportionally to match the new sum insured.
If the sum insured is increased, the Cumulative Bonus continues based on the sum insured from the last completed policy year.
If the policy is not renewed on or before the Policy End Date or the Grace Period, the entire Cumulative Bonus and Cumulative Bonus Super will be forfeited.
The Cumulative Bonus Super is applied annually, provided the policy is continued without a break.
If you renew an Individual policy as a Floater, the Cumulative Bonus Super carried forward will be the lowest bonus among all the insured persons in the previous policy.
Get the best financial security with Care Health Insurance!
Sales:1800-102-4499
Services: 8860402452
Live Chat
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
