What is the Care Supreme Health Insurance Plan?

Care Supreme is a comprehensive health plan designed to provide exceptional health coverage and financial security. It is a recently launched health insurance cover for individuals and families, offering extensive benefits at an affordable price. Care Supreme aims to expand the healthcare safety net for families without burdening them with high premium costs. The policy offers wide-ranging coverage, including hospitalisation, AYUSH treatment, day-care procedures, domiciliary care and organ donor coverage up to the sum insured.

Care Supreme is a top-notch health plan and it offers optional benefits like the “Cumulative Bonus Super” that increases the Sum Insured 5 times in 5 consecutive years. It also provides a useful add-on benefit of 30% discounts on renewal premiums for achieving pre-specified fitness goals. Care Supreme is a unique plan that addresses savings, healthcare security and fitness, which are significant insurance concerns.

Find more about the coverage, features, policy and eligibility details of Care Supreme from the following sections.

Care Supreme Policy Specifications

KEY FEATURES	Details
Sum Insured (SI)	₹7 L, 10 L, 15 L, 25 L, 50 L & 1 Cr.
In-Patient Care	Up to SI
Day Care Treatment	All Day Care Procedures
Advanced Technology Methods	Up to SI
Pre-Hospitalisation Medical Expenses	60 days before hospitalisation
Post-Hospitalisation Medical Expenses	180 days post hospitalisation
AYUSH Treatment	Up to SI
Domiciliary Hospitalisation	Up to SI
Organ Donor Cover	Up to SI
Ambulance Cover	Up to Rs.10,000 per year for SI < 15 Lacs & up to SI for SI ≥ 15 Lacs
Cumulative Bonus	50% of SI per year, max up to 100% of SI
Cumulative Bonus Super	Included for eldest member ≤ 45 years; optional for eldest member > 46 years
Unlimited Automatic Recharge	Available
Unlimited E-Consultations	Available
Health Care Services	Available

Coverage Benefits of Care Supreme Policy

The Care Supreme plan offers extensive coverage for both emergency and planned medical expenses, catering to individuals and families. It includes hospitalization costs, ambulance services, AYUSH treatment and even domiciliary hospitalization. Additionally, the plan provides exclusive benefits such as unlimited automatic recharge, women's care, unlimited e-consultations, newborn cover, annual health check-ups and instant cover for added convenience and peace of mind.

What’s Covered and Not Covered in Care Supreme Policy

Care Supreme Health Insurance Inclusions

Insurance for hospitalization expenses, including nursing, doctor’s fees and room rent for at least 24 hours
Covers medical procedures under 24 hours of hospitalization
Covering the cost of treatment using advanced technology methods like robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy etc
Covers medical expenses up to 60 days before hospitalization
Covers medical expenses up to 180 days post-hospitalization
AYUSH treatment covers charges for in-patient treatment in Ayurveda, Homoeopathy, Siddha and Unani
Covers at-home treatment for 3+ days when hospitalization is not possible
Covers medical expenses for organ donors during transplant surgery
Covers medical expenses for emergency rod ambulance services
It provides a 100% bonus on the sum insured, up to a maximum of 500%, for each year without a claim
Free annual health checkups for all insured members
The PED wait period for pre-existing diseases is from 4 years to 1/2/3 years
Changes room rent limit, allows insured to choose twin-sharing or private AC room
Covers diagnostic services like mammography, PCOS/PCOD tests and cervical cancer screening up to 50,000 rupees per year
Covers medical expenses for newborn from Day 1
No waiting period for pre-existing conditions like diabetes, hypertension, asthma and hyperlipidemia
Covers outpatient treatment for mental conditions like depression, anxiety, PTSD and OCD
Covers medical expenses for air ambulance services in India up to 5 lakh rupees a year
Choose a deductible to get a discount on your premium for claims
Pay a co-payment on every claim to lower your premium amount
Pays for uncovered hospitalization items
Reduces waiting period for named ailments from 2 years to 1 year
Discounts at network hospitals and 20% co-pay at non-network hospitals
Insured get access to discounts, wellness coaches and digital fitness coaching
Provides up to 10 lakh rupees additional claim amount
Unlimited gym visits in the insurer’s network for a year

Waiting periods

The initial waiting period is 30 days
Pre-existing disease waiting period is 4 years
The specific disease waiting period is 2 years

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Care Supreme Health Insurance Plan

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Extensive network hospitals
Customizable coverage options
Wellness programs

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Care Supreme Health Insurance Claim Process

Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.

Cashless Claims Process

Go to the closest network hospital of care health company.

Approach the front desk to speak with the TPA, or third-party administrator.

TPA will complete and submit your application to Care Health Insurance on your behalf.

If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.

You can begin receiving therapy at the hospital as soon as you receive approval.

Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).

Pay your hospital costs in full and turn in all required paperwork.

Complete and send in a claim form.

Await the insurer's permission and status report.

Keep in mind that you must:

Submit all paperwork with your claim form within 15 days of discharge.
Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

Best Health Insurance Plans in India

The following are some of the best health insurance plans in India that you can buy from InvestKraft:

Insurance Provider	Plan Name	Coverage Type	Sum Insured Range	Age Limit (Adults)	Important Parameters
Care Health Insurance	Care Advantage Health Insurance Plan	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
ICICI Lombard Health Insurance	ICICI Elevate Health Insurance Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
IFFCO Tokio Health Insurance	IFFCO Tokio Family Health Protector Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
Niva Bupa Health Insurance	Niva Bupa Aspire Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
SBI Health Insurance	Arogya Supreme Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
TATA AIG Health Insurance	TATA AIG Medicare Lite Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium