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Care Supreme - Value Plus

Care Supreme-Value Plus is a health plan specially designed to meet the health coverage needs of middle-aged individuals. The plan offers extensive coverage, affordable premiums, and exclusive offers under its wellness benefits.

Reasons to Choose Care Health Insurance?

  • 21700+ CASHLESS HEALTHCARE PROVIDERS^^
  • 58 Lakh+INSURANCE CLAIMS SETTLED**
  • 24*7CLAIM AND CUSTOMER SUPPORT

Cost-effective Health Coverage for Your Loved Ones

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5% Digital Discount for Online Customers Exclusively**

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What is Care Supreme-Value Plus?

Has affording competitive healthcare services been a pipe dream lately? Have you been sacrificing healthcare quality for affordable options? If yes, then look no further than Care Supreme Value Plus!

Care Supreme Value Plus is a carefully designed health insurance plan tailored to meet your healthcare needs while still keeping the costs manageable. Apart from offering exhaustive coverage, the plan combats three major insurance concerns- accessibility, savings and the well-being of our insured individuals. The plan is an ideal choice for middle-aged individuals and families alike. Keep reading to understand this health plan better and make an informed purchase of your healthcare shield!

Plan Highlights of Care Supreme Value Plus

Care Supreme Value Plus offers varied benefits under several sum-insured options. Below are the major highlights of the plan:

  • 50% of the Sum Insured is offered as a Cumulative Bonus for a maximum of up to 100% of the Sum Insured.
  • No sub-limits or caps for coverage of expenses incurred due to hospitalisation, domiciliary hospitalisation, AYUSH treatment, and organ donor cover.
  • Unlimited automatic recharge is available to help you get continued coverage.
  • Up to 30% discounts on renewal premiums under the Wellness Benefit to encourage you to stay healthy!
  • Unlimited E-consultations with General Physicians.
  • Special 15% discount on premium under Smart Select Benefit.

Cover Highlights

Cumulative Bonus

Cumulative Bonus

Renewal Discount

Renewal Discount

Unlimited Automatic Recharge

Unlimited Automatic Recharge

Road Ambulance

Road Ambulance

Organ Donor

Organ Donor

Room Rent modification

Room Rent modification

Smart Select Benefit

Smart Select Benefit

What is Covered under Care Supreme Value Plus?

See all Sum Insured Options east

KEY FEATURES
DETAILS
Sum Insured 5L/7L/10L/15L
In-Patient Care
info Coverage of treatment expenses that require you to stay in the hospital for more than 24 Hours.
Up to SI
Day Care Treatment
info Coverage of treatment expenses that require hospital stay for less than 24 hours.
 Up to SI
Room Rent
info We offer coverage for the room rent in case of hospitalisation.
 All categories of rooms are allowed
ICU Coverage
info Expenses incurred while treating the patient in the ICU are covered.
 No Limit
Advance Technology Methods
info Coverage of expenses incurred on treatment using specified Advanced Technology methods during a hospital stay.
Up to SI
Pre-hospitalisation Medical Expenses
info Coverage of expenses incurred on doctor’s fees, prescribed diagnostics, and pharmacy expenses for up to 60 days before hospitalisation.
60 Days
Post Hospitalisation Medical Expenses
info Coverage of expenses incurred on doctor’s fees, prescribed diagnostics, and pharmacy coverage for up to 180 days post-discharge from the hospital.
180 Days
AYUSH Treatment
info Coverage for Alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy (collectively known as AYUSH) is available if the patient is Up to SI hospitalised in an AYUSH-certified clinic.
Up to SI
Domiciliary Hospitalisation
info If a doctor prescribes treatment at home under specified circumstances for up to 3 days, the expenses are covered under domiciliary benefit.
Up to SI
Organ Donor Cover
info If a donor meets the specified requirements of the GOI and the organ is being donated to an insured member, then the policy may cover the surgical expense.
Up to SI
Road Ambulance Cover
info Expenses for hiring a road ambulance to transport the insured to the hospital for admission or for shifting the insured from one hospital to another for better treatment are covered.
Up to Rs.10,000 per year
Cumulative Bonus
info We shall reward your SI with up to a 100% increase in SI. Due to the claim, there will be no reduction in the accrued bonus on renewal.
50% of SI per year, max up to 100% of SI; Claim shall not reduce Bonus Accrued
Unlimited Automatic Recharge
info If the base SI is exhausted due to multiple claims, we shall recharge your policy with an amount equal to it unlimited times in a policy year. This additional amount can be used for multiple hospitalisations for related or unrelated illnesses.
Unlimited times for the same/or unrelated person/ disease
Unlimited E-Consultations
info Avail Unlimited e-consultation from a general Physician by booking an appointment through the mobile application.
Available for Consultations with General Physicians
Health Services
info Discount Connect—Our network offers discounts on services such as consultations, diagnostics, maternity, and more.
Discount Connect - Discounts on services such as consultations, diagnostics, etc., through our network available in Mobile Application
Smart Select*
info Reduce your premium by selecting this option and avail of cashless treatment from a list of specified network hospitals under this benefit.
 Available only at a restricted network
Wellness benefit*
info Get up to 30% discount on renewal premium by participating in the wellness program.
Up to 30% Discount on Renewal Premium based on Health Days accumulated
*Smart Select is an optional add-on that is pre-added to offer a premium reduction benefit.
Brochure

Download the Brochure for Care Supreme Value Plus Complete Plan Details

Download Care Supreme Value Plus complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to Enhance Your Policy Coverage

Be-fit

Be-fit

Prioritise your fitness without having to worry about the hefty gym membership fee.
See Details
Annual Health Checkup

Annual Health Checkup

Get one cashless health checkup for each insured member every policy year.
See Details
Instant Cover

Instant Cover

Get covered for complications related to accepted pre-existing diseases such as Diabetes, Hypertension, Hyperlipidemia, and Asthma without having to serve the 3-year waiting period.
See Details
Claim Shield

Claim Shield

Claim Shield covers the expenses incurred against 68 non-payable items.
See Details
PED wait period modification

PED wait period modification

You can reduce your PED wait period by opting for the PED Wait Period Modification.
See Details
Care OPD

Care OPD

Get covered for 4 general physician consultations and any 4 Specialist Consultations from the list of 14 specified specialists. You will get a maximum reimbursement of ₹500 for each consultation.
See Details
Air Ambulance Cover

Air Ambulance Cover

With the air ambulance benefit, the expenses of shifting patients via air ambulance are covered.
See Details
CB Booster

CB Booster

Get a 100% boost in coverage upon consecutive renewal of your policy.
See Details
CB Super

CB Super

Boost your coverage up to a maximum of 500% in 5 consecutive years.
See Details
Claim Shield Plus

Claim Shield Plus

With Claim Shield+, you get covered for 145+ Non-Payable items as per List 1, 2, 3, and 4.
See Details
Instant Cover Plus

Instant Cover Plus

With Instant Cover+, you get covered for PEDs (for Diabetes/ Hypertension/Hyperlipidemia / Asthma/ Chronic Obstructive Pulmonary Disease (COPD)/ Obesity/ Coronary Artery Disease with PTCA done prior to 1 year) after an initial waiting period of 30 days.
See Details
Smart Select

Smart Select

Get a discount on insurance premium and avail of cashless treatment at the value-for-money network hospital.
See Details
Unlimited Care

Unlimited Care

Get eligible for one time unlimited claim without any upper limit during the policy's lifetime
See Details
Wellness Benefit

Wellness Benefit

Get up to 30% discount on renewal premium for achieving your active days’ target.
See Details

Be-fit

×

With the Be-fit benefit, Insured members above 12 can enjoy unlimited visits to fitness centres.

×

Annual Health Checkup

For every insured member, we offer a list of pre-selected health checkups. The cashless health checkup benefit can be availed once a year at any of our network labs.

Instant Cover

×

With the add-on benefit of Instant cover, you can claim hospitalisation expenses related to Diabetes, Hypertension, Hyperlipidemia, and Asthma after the initial waiting period of 30 days.

×

Claim Shield

Under this benefit, we will cover the expenses of 68 non-payable items, such as gloves, masks, syringes, PPE kits, etc

PED wait period modification

×

With this add-on benefit, you can reduce the waiting period for specified pre-existing diseases from 3 years to 2 or one year per the policy terms

Care OPD

×

We offer coverage for four OPD consultations with General Physicians per year. The maximum amount payable for each consultation is up to ₹ 500. Additionally, we also offer OPD consultation (maximum amount for each consultation is ₹ 500) from 14 specified specialists that include-Paediatrician

  • Obstetrics and Gynecologists
  • Homoeopathic Physician
  • Dietician
  • Diabetologist
  • Dermatologist
  • Pulmonologist
  • Psychiatrist
  • Cardiologist
  • Neurologist
  • Orthopedic Surgeon
  • Nephrologist
  • Gastroenterologist
  • ENT Specialist

Air Ambulance Cover

×

In case of a prescribed medical emergency, the expenses incurred to hire an air ambulance to transfer the patient to the nearest medical facility for hospitaisation is covered as per policy terms.

CB Booster

×

Get a Bonus of 100% of base SI every year, irrespective of any claims made. This benefit is available unlimited times upon continuous renewal of the policy.

CB Super

×

Boost your coverage amount up to 500% of SI in 5 consecutive years. An incremental increase of 100% on the base sum insured will be applicable. There will be no reduction in the accrued amount due to claims.

Claim Shield Plus

×

Under this add-on benefit, we shall cover the expenses of 145+ non-payable items as per Annexure I (list 1, 2, 3, and 4) in the policy prospectus.

Instant Cover Plus

×

30 Days PED wait period for PEDs (Diabetes/ Hypertension/ Hyperlipidemia / Asthma/ Chronic Obstructive Pulmonary Disease (COPD)/ Obesity/ Coronary Artery Disease with PTCA done prior to 1 year). If the Insured Person has these Pre-Existing Diseases at the issuance of the first Policy with us, the applicable 3-year PED wait period shall be reduced to 30 Days.

Smart Select

×

This option reduces your premium and in turn restricts the network of cashless healthcare providers for the policyholder. If taking treatment out of the value-for-money network, the insured has to bear a 20% co-payment.

Unlimited Care

×

Suppose an insured member incurs hospitalisation expenses beyond the coverage capacity of his/her current health insurance policy, then, under the Unlimited Care Benefit, the insurer will indemnify the claim at most once during the policy's lifetime. Please note that the insured must continue this benefit for five continuous policy years. This benefit is applicable only within India.

Wellness Benefit

×

We offer up to 30% discount on renewal premium for achieving your active days’ target (1 active day = completion of 10,000 steps in a day) up to 270 days through tracking apps, devices, etc.

Care Supreme Value Plus Policy Details-skv

  • Entry Age - Minimummm

    • Individual Adult: 40 Years

    • Family Floater Adult: 18 Years

  • Entry Age – Maximum

    • Adult: 60 Years

    • Child: 24 Years (last birthday)

  • Exit Age

    • Adult: Lifelong

    • Child: 25 Years

  • Cover Type

    • Individual: Max up to 6 persons

    • Floater: Max up to 2A2C

  • Tenure Options

    • 1/2/3 Years

  • Relationship Covered

    • Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, grand father, grand mother

  • Waiting Period

    • Initial Waiting Period: 30 days except for accidental expenses

    • Named Ailment Waiting Period: 24 months of continued coverage

    • Pre-existing Diseases Waiting Period: 48 months of continued coverage

Download Terms & Conditions
  • Any OPD Treatment
  • Expenses attributable to suicide attempted suicide, or any other self-inflicted injury
  • Expenses arising due to consumption of alcohol/tobacco or drug use/misuse/abuse
  • Expenses of spectacles/contact lenses and dental treatment that does not require hospitalisation
  • Expenses occurring due or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Any external congenital disease
  • Infertility-related tests and treatment of Unlawful activities.

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

21700+ Healthcare providers offering cashless treatment across the country

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Voice of Our Customer

Write a Review
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Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

58 Lakh+ Claims Settled**

Cashless Claim

21700+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of Dec 2024     *India Insurance Summit & Awards 2023

Frequently Asked Questions

Q. Can I add my children to the Care Supreme Value Plus health plan?

Yes, you can add up to 2 children and 2 adults under the Care Supreme Value Plus health insurance plan.

Q. Why should I opt for the Care Supreme Value Plus health plan?

Care Supreme Value Plus is a health insurance plan that offers distinct benefits at affordable premiums. In a world where healthcare costs are skyrocketing, Care Supreme Value Plus health insurance ensures that you do not have to break the bank or compromise on the quality of healthcare services for yourself and your family.

Q. Do I need medical check-ups to opt for Care Supreme Value Plus health insurance?

A complete health check-up may or may not be necessary to purchase a health insurance plan with Care! Although a medical checkup is not mandatory, our underwriter may request one during your policy purchase.

Q. Is a bonus offered under the Care Supreme Value Plus health plan?

Yes. Care Supreme Value Plus offers a cumulative bonus of 50% of the sum insured, which can reach a maximum of 100%. Additionally, you may receive up to 30% discounts on renewal premiums if you participate in our wellness programs throughout the policy year.
Brochure

Download the Brochure for Care Supreme Value Plus Complete Plan Details

Download Care Supreme Value Plus complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

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Care Supreme: UIN - CHIHLIP25047V022425

Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of Feb 2025

**Number of Claims Settled as of Dec 2024

~5% digital discount applicable as per policy terms. Renewal discounts are offered if you meet the wellness goals set under the wellness benefit program.