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Care Supreme – Redefine the Value You Get from Your Health Insurance

A health insurance plan that safeguards families and individuals while offering maximum coverage, extra savings, and unique wellness benefits that not only covers you for healthcare expenditure but also keep you healthy.

Ensure Unrestricted Coverage for Your Health, Budget, and Fitness

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Reasons to Choose Care Health Insurance?

21100+ CASHLESS HEALTHCAREPROVIDERS^^
95.2% INSURANCE CLAIMSETTLEMENT RATIO*
30 LACS+ CLAIMS SETTLEDSUCCESSFULLY*

What is Care Supreme?

In an effort to offer superior health and financial security, we introduce Care Supreme– a complete health plan with extensive and unique benefits at the best value. Care Supreme is a newly launched health insurance cover for individuals and families. The primary aim of Care Supreme is to help families expand the healthcare safety net without paying hefty premium amounts. With expansive coverage, the policy takes care of major healthcare expenses, like hospitalisation, AYUSH treatment, day-care procedures, domiciliary care, and organ donor coverage up to the sum insured.

As a top-notch health plan, Care Supreme comes with noteworthy optional benefits, including the "Cumulative Bonus Super” that increases the Sum Insured 5 times in just 5 consecutive years. Also, the policy offers a useful add-on benefit enabling insured members to avail of 30% discounts on renewal premium as a reward for achieving pre-specified fitness goals. That makes Care Supreme a special plan that sits at the centre of– savings, healthcare security, and fitness – the three significant insurance concerns. Read more about the coverage and features of Care Supreme while checking the policy and eligibility details.

Plan Highlights of Care Supreme Health Insurance

With an affordable premium and several sum insured options, Care Supreme stands out for the following unique and valuable features:

The highest Cumulative Bonus Super of up to 500% to boost sum insured
No sub-limits and caps on expenses for hospitalisation, AYUSH treatment, domiciliary hospitalisation, and organ donor cover
Unlimited automatic recharge of the sum insured to help families get continued coverage
Wellness Benefit offers 30% discounts on premium to encourage your fitness level
Unlimited E-consultations and special discounts on Diagnostics, Pharmacy, & Consultation with Discount Connect

Cover Highlights

No Sub-limits

Day Care Treatment

Emergency Ambulance

Cumulative Bonus

Organ Donor

AYUSH

Coverage Under Care Supreme

See all Sum Insured Options

KEY FEATURES	₹7, 10 & 15 L
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim	50% of SI per year, max up to 100% of SI
Cumulative Bonus Super With CB Super policy, an incremental increase of 100% SI every year is applicable on the base Sum Insured. You will get Up to a 500% increase in coverage in 5 consecutive years of coverage.	Included for Eldest Member <= 45 years; Optional for Eldest Member > 46 years
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness
Unlimited E-Consultations Avail Unlimited e-consultation from a genral Physician by booking appointmemnt through mobile application
Health Care Services Discount Connect – Discounts on services such as consultations, diagnostics, maternity etc at our network.

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*Please read the policy terms and conditions carefully to verify the benefits and exclusions in detail.

Annexure–1

Sr. No.	Insured Events	% of coverage amount of the Insured Person under this Optional Cover
1	Total and irrecoverable loss of sight of both eyes, or of the actual loss by physical separation of two entire hands or two entire feet, or one entire hand and one entire foot, or the total and irrecoverable loss of sight of one eye and loss by physical separation of one entire hand or one entire foot	100%
2	Total and irrecoverable loss of (a) use of two hands or two feet, or (b) one hand and one foot, or (c) sight of one eye and use of one hand or one foot	100%
3	Total and irrecoverable loss of sight of one eye, or of the actual loss by physical separation of one entire hand or one entire foot	50%
4	Total and irrecoverable loss of use of a hand or a foot without physical separation	50%
5	Paraplegia or Quadriplegia or Hemiplegia	100%

Note: For the purpose of Sr. No. I to IV above, physical separation of a hand or foot shall mean separation of the hand at or above the wrist, and of the foot at or above the ankle.

For the purpose of this Benefit only:

(i) “Hemiplegia” means complete and irrecoverable paralysis of the arm, leg, and trunk on the same side of the body

(ii) “Paraplegia” means complete and irrecoverable paralysis of the whole of the lower half of the body (below waist) including both the legs

(iii) “Quadriplegia” means complete and irrecoverable paralysis of all four limbs

Add-ons to Cover Your Specific Needs

Annual Health Check-up

We care for your wellbeing. Hence we allow One Health Check-up every year for insured members.

See Details

Cumulative Bonus Super

Boost your sum insured amount up to a maximum of 500% in 5 consecutive years.

See Details

Wellness Benefit

We offer up to 30% discount on renewal premium for achieving your active days’ target.

See Details

Air Ambulance Cover

With the add-on benefit of the air ambulance, the expenses of shifting patients via air ambulance are covered.

See Details

Claim Shield

An add-on cover to provide coverage for non-payable items.

See Details

Care Supreme Policy Details

Entry Age - Minimum
- Adult: 18 years
- Child: 90 days
Entry Age – Maximum
- Adult: 99 Years
- Child: 24 Years (last birthday)
Exit Age
- Adult: Lifelong
- Child: 25 Years
Cover Type
- Individial: 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 Treatmen
Expenses attributable to suicide, attempted suicide, or any other self-inflicted injury
Expenses arousing 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
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

Voice of Our Customer

Maya Kapoor

I am glad that I chose Care Health Insurance to insure my family. The team has always been supportive and understanding.I

Somiya Khanna

Special thanks to Care Health Insurance for providing a smooth claim settlement and taking care of the details without much hassle.

Ritika Aggarwal

I am grateful to the Care Health Insurance team for their constant communication and support when I most needed it.

Abhishek Bansal

It makes me proud that I chose Care Health Insurance to insure my parents; they got maximum benefits without any hidden conditions.

My appreciation for your prompt service

At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

Ankita Sharma

Health Insurance

We will continue to avail of your scheme

Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

Indubala Nambiar

Health Insurance

Everything went very smooth

I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

Vikas Singh

Health Insurance

Really helpful explaining the process in advance

I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

Sahil Khattar

Health Insurance

Finalising my claim in a short period

I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

Aditya Sharma

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
Leader of the year

30 Lakh + Claims Settled^^

Cashless claim processing
in approx. 2 hours

^^number of claims settled as on February, 2022

FAQs About Care Supreme

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Most Frequently Asked Questions

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

Yes, you can add up to 2 children and 2 adults under the Care Supreme plan on a family floater basis.

Q. Do I need to undergo medical tests before buying the Care Supreme policy?

Yes, depending on your current health status, you might be required to undergo pre-policy health check-ups before opting for the Care Supreme policy.

Q. Does Care Supreme offer annual health check-ups?

Yes, the policy offers the benefit of annual health check-ups as an optional benefit with the base policy. It helps you keep track of your health and take timely preventive measures.

Q. What if I exhaust the sum insured limit of the Care Supreme policy?

We got you covered throughout a policy year with unlimited automatic recharge of the sum insured under the Care Supreme policy. Your coverage amount will be replenished automatically once you exhaust the limit every time in a given policy year.

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

*Source: IBAI Claims Handbook for FY 19-20. *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

^^Number of Cashless Healthcare Providers till 31st Dec 2022.

** 5% digital discount applicable as per policy terms.

Care Supreme – Redefine the Value You Get from Your Health Insurance

Reasons to Choose Care Health Insurance?

What is Care Supreme?

Plan Highlights of Care Supreme Health Insurance

Coverage Under Care Supreme

Add-ons to Cover Your Specific Needs

Care Supreme Policy Details

Voice of Our Customer

FAQs About Care Supreme

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

Q. Do I need to undergo medical tests before buying the Care Supreme policy?

Q. Does Care Supreme offer annual health check-ups?

Q. What if I exhaust the sum insured limit of the Care Supreme policy?

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Delay No More!

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