CARE

Care Supreme

Care Health Insurance

Comprehensive health coverage with unlimited restoration

Sum Insured₹5 Lakhs - ₹6 Crores
PremiumStarting ₹8,500/year
Claim Ratio91%

About Care Supreme

Care Supreme is a comprehensive health insurance plan offering high sum insured options up to ₹6 crores with unlimited restoration benefit. It covers modern treatments, AYUSH, and has no room rent capping.

Key Features

Sum insured up to ₹6 crores
Unlimited automatic restoration of sum insured
No room rent capping
500+ daycare procedures covered
Modern treatment cover
AYUSH treatment covered
Air ambulance cover up to ₹5 lakhs
Worldwide emergency cover

Eligibility

AgeEntry: 18-65 years, Renewal: Lifelong
Sum Insured₹5 Lakhs to ₹6 Crores
Medical TestMay be required based on age and sum insured
Waiting Period30 days initial, 2-4 years for pre-existing

What's Covered

Hospitalization expenses
Pre and post hospitalization (60/180 days)
Daycare procedures
Domiciliary treatment
Organ donor expenses
Mental illness treatment
Maternity cover (optional)
New born baby cover

Exclusions

  • Pre-existing diseases (waiting period applies)
  • Cosmetic surgery
  • Self-inflicted injuries
  • War and nuclear risks
  • Obesity treatment
  • Dental treatment (unless due to accident)

Pros & Cons

Advantages
  • Highest sum insured option in the market
  • Unlimited restoration benefit
  • No room rent restrictions
  • Excellent claim settlement ratio
  • Covers modern and alternative treatments
Disadvantages
  • Premium can be high for higher sum insured
  • Waiting period for pre-existing diseases
  • Some treatments have sub-limits
  • Zone-based pricing

Frequently Asked Questions

If you exhaust your sum insured during a policy year, it gets automatically restored to the full amount for subsequent claims. This ensures you're never left without coverage.

Yes, after a waiting period of 3-4 years depending on the disease. You must declare all pre-existing conditions at the time of purchase for the waiting period to apply.

No, Care Supreme doesn't have any co-payment clause for network hospitals. You get 100% coverage for eligible expenses without any sharing.

For cashless claims, get pre-authorization at network hospitals. For reimbursement, submit bills within 15 days of discharge. Care Health has 20,000+ network hospitals across India.
Care Supreme
(4.7)
  • Sum Insured₹5 Lakhs - ₹6 Crores
  • PremiumStarting ₹8,500/year
  • Claim Ratio91%
  • TypeHealth Insurance

IRDAI registered insurer

Affiliate Disclosure: We may earn a commission when you purchase through this link. This does not affect the premium or your policy.

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Disclaimer: Insurance is subject to terms and conditions. Premium shown is indicative and may vary based on your age, health, and coverage chosen. Please read policy documents carefully before purchasing.