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Care Supreme Senior- Health Plan for Life's Golden Years

Care Supreme Senior makes it easier for old-aged individuals to pay for medical expenses due to hospitalisation and treatments. It could be a thoughtful present to your ageing parents as it provides a safety cushion while they age

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    24800+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+ INSURANCE CLAIM SETTLED**
  • Claim settled
    24*7 CLAIM AND CUSTOMER SUPPORT

Get affordable health coverage with Supreme Senior Plan

Get a Free Quote

5% Digital Discount for Online Customers Exclusively~~

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What is Care Supreme Senior?

Ageing causes several health issues that necessitate extensive care and, if not addressed promptly, can result in hospitalisation. Rising medical inflation and the escalating cost of care might ruin your finances and deplete your life savings after retirement. 

Fortunately, a senior citizen health insurance plan allows you to be financially secure and receive the greatest care when you need it the most. For the same, Care Supreme Senior from Care Health Insurance is the most comprehensive health insurance plan available for people over 60.

The plan protects elderly people, allowing them to access the best medical facilities without financial strain. With a reasonable premium that won't strain their finances, especially after retirement, senior citizens can choose the sum insured options according to their healthcare needs. This policy can be purchased without any pre-policy medical checkup beforehand. However, an underwriter may seek information about your pre-existing medical conditions, if any.

 

Plan Highlights of Care Supreme Senior Health Insurance 

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

 
  • The highest Cumulative Bonus Super is up to 500% to boost the sum insured.
  • A unique policy designed for seniors with no pre-policy medical checkup.
  • Unlimited automatic recharge of the sum insured to help families get continued coverage.
  • Wellness Benefit offers up to 30% discounts on premium to encourage your fitness level.
  • Unlimited E-consultations and special discounts on Diagnostics, Pharmacy, & Consultation with Discount Connect.

Cover Highlights

Annual Health Check-up

Annual
Health check-up

Day Care Treatment

Day Care Treatment

Emergency Ambulance

Emergency Ambulance

Cumulative Bonus

Cumulative Bonus

Organ Donor

Organ Donor

AYUSH TREATMENT

AYUSH Treatment

Coverage Under Care Supreme

See all Sum Insured Options east

Plan Offering Coverage Details
In-Patient Care
info 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
info 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
info Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.
Up to SI
Pre-Hospitalisation Medical Expenses
info 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
info Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital
180 days post hospitalisation
AYUSH Treatment
info 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
info 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
info 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
info 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
info 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
info 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 & >=76 yrs; Optional for Eldest Member > 46 years
Unlimited Automatic Recharge
info 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
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Unlimited E-Consultations
info Avail Unlimited e-consultation from a genral Physician by booking appointmemnt through mobile application
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Health Care Services
info Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.
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Special Benefits for *Elderly Insured Members
Co-Payment
info To ensure you get affordable health coverage, we have applied a copayment of 20% on all claims.
check
Room Rent Modification
info Your cost of treatment can cost you a fortune and adds no value to the treatment process. We have modified your Room category so that you get the best care with the comfort of the Most Economical Single Pvt AC room
check
Sub-limits on Specific Disease
info We offer sub-limits on pre-specified ailments based on the sum insured chosen.
Treatments Sub-Limit
Cataract (Per Eye) (SI <Rs.10L ) - up to Rs.30,000

(SI=Rs.10L- Rs.20L ) – up to Rs.40,000

(SI > Rs.20L ) – up to Rs.50,000

Knee Replacement (Per Knee) (SI <Rs.10L ) - up to Rs.1,25,000

(SI=Rs.10L- Rs.20L ) – up to Rs.1,50,000

(SI > Rs.20L ) – up to Rs.2,00,000

Treatment for every Ailment / Procedure mentioned below:-  
  • i. Cerebrovascular Accident and Cardiovascular Diseases
  • ii. Cancer (Including Chemotherapy / Radiotherapy)
  • iii. Medical Renal Diseases (Including Dialysis)
  • iv. Treatment of Breakage of Long Bones
(SI <Rs.10L ) - up to Rs.3,00,000

(SI=Rs.10L- Rs.20L ) – up to Rs.4,00,000

(SI > Rs.20L ) – up to Rs.5,00,000

Treatment for Every Ailment / Procedure mentioned below:-  
  • i. Surgery for the treatment of all types of Hernia
  • ii. Hysterectomy
  • iii. Surgeries for Benign Prostate Hypertrophy (BPH)
  • iv. Surgical treatment of stones of the renal system
(SI <Rs.10L ) - up to Rs.1,00,000

(SI=Rs.10L- Rs.20L ) – up to Rs.1,50,000

(SI > Rs.20L ) – up to Rs.2,00,000

*Please read the policy terms and conditions carefully to verify the benefits and exclusions in detail.
*The policy considers everyone ≥ 61 as “Elderly” and offers special benefits under Senior Premium offerings. The Sum Insured Options available under gold offerings are 5L \ 7L \ 10L \ 15L/20L/25L

Care Supreme Policy Details

Entry age - Minimum: 

  • Eldest member age - 61 years
  • Child: 90 days

Entry age - Maximum: 

  • Adult: 99 Years
  • Child: 24 Years (last birthday)

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, grandfather, grandmother

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

Exit Age

  • Adult: Lifelong
  • Child: 25 Years
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

  • 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

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Voice of Our Customer

RS
Rashmi Sharma
Care Supreme Senior
5

Helpful plan

I got care supreme for myself and my husband. My husband had dengue and care health insurance helped me with fast claim process. Amazing service.
MT
Mithilesh Tyagi
Care Supreme Senior
5

Good product

I had a good experience bcz good product given for my father in law and mother in law.. i would like to inform to my relatives and friends to take insurance in care health. Thank you
MS
Megha Shailesh Gupta
Care Supreme Senior
4

Satisfied

Thank you for providing me plan like care supreme and your team gives good response regarding services and helps a lot. ek star wait karane ka kaatungi.
MG
Mahadeb Ghatak
Care Supreme Senior
5

Great Customer Service

I got full cooperation from care health Insurance specially Manicanchan Gupta regarding our claim under care supreme. Thanks
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

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQs

Q. What is the minimum and maximum age for Care for Senior Citizen Health Insurance?

The minimum entry age for Care Supreme Senior is 61; however, there’s no maximum age limit

Q. Does Care for Senior Citizen Health Insurance Policy Cover Pre-existing Conditions?

Pre-existing conditions mean the illness, injury or other condition that existed before the policy issuance. Yes, health insurance policy for senior citizens covers pre-existing conditions, but after a four-year waiting period.

Q. What is the Maximum Age to avail of Care Supreme Senior?

There is no upper age limit to avail of Care for Senior Citizens Mediclaim.

Q. Can I get Care Supreme Senior if I am over 65?

As per IRDA guidelines, one is eligible to get individual or family floater health insurance up to 65 years of age. There is also the option of lifetime renewability. However, buying Care for Senior Citizen Health Insurance Plan at an early stage of life is recommended.

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 31st March 2024
**Number of Claims Settled as of 31st March 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.

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

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