Care Supreme Health Insurance

Care Supreme Health Insurance is a top health insurance company in India known for offering various health insurance plans, including Care Supreme Health Insurance. This Care Health Insurance new plan is designed to cater to the diverse health insurance needs of people across the country. Care Supreme Health Insurance Plan is a special type of health insurance that can be tailored to suit both individual and family needs. The plan stands out for offering extensive health coverage at budget-friendly premiums. Some of the benefits included in this plan are coverage for AYUSH treatment, care at home, expenses before and after hospitalisation, and more.

Let's explore this health insurance plan in detail.

Care Supreme Health Insurance At a Glance

Care Supreme Health Insurance Plans details are mentioned below in the table:

Specifications	Features
Care Health Insurance Claim Settlement Ratio	95.20%
Number of Network Hospitals	21100+
Policy Tenure	1, 2, or 3 years
Sum Assured (Annual)	5 lakhs, 7 lakhs, 10 lakhs, or 15 lakhs
Initial Waiting Period	30 days
Waiting Period for Pre-existing Diseases	48 months
Premium Payment Term	Single
Cover Type	Family or Floater
Pre-policy Issuance Medical Check-up	Yes

Add-ons Available with Care Health Insurance Supreme Plan

There are several add-ons that you can include in your Care Supreme Health Insurance plan such as listed below:

• Instant Cover: This rider reduces waiting periods to just 30 days for pre-existing conditions like Hypertension, Diabetes, Hyperlipidemia, and Asthma.
• Annual Health Check-up: Members get a free annual health check-up at network centers, as long as the prescribed medical tests are taken.
• Cover for OPD Consultations: This add-on allows up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually, reimbursed up to Rs. 500 per visit. Note that, claims can be made once every quarter.
• Cumulative Bonus Super: Upon policy renewal, you will receive an additional bonus cover, accumulating to 100% of your sum insured each time. This continues until the total cover reaches 500% of the base sum insured.
• Claim Shield: This add-on covers the costs of non-payable items used during treatment, such as dressings, bandages, syringes, and other medical supplies.
• Reduction in PED: This optional cover reduces the pre-existing waiting period from 48 months to 36, 24, or 12 months.

Key Features of Care Supreme Health Insurance Plan

Listed below are the key features of Care Supreme Health Insurance plan:

• Free Annual Health Check-Up: Every policy year, all insured members can enjoy a complimentary annual health check-up.
• Cumulative Bonus: Get a bonus of 50% of the Sum Insured each year, accumulating to a maximum of 100% of the Sum Insured.
• Optional Cumulative Bonus Super: Opt for this additional benefit to receive 100% of the Sum Insured, with a maximum limit of up to 500% of the Sum Insured.
• No Reduction in Cumulative Bonus: Even if a claim is made, the cumulative bonus remains unaffected. This ensures continued benefits for the policyholder.
• Unlimited Automatic Recharge: Ensuring continuous coverage, the plan automatically recharges the Sum Insured limit for unrelated or the same illnesses.
• Unlimited E-Consultations: Avail yourself of unlimited e-consultations with general physicians for diagnostics and consultations.
• Wellness Benefits: Encouraging fitness, this m medical insurance plan provides a 30% discount on premiums paid. This promotes the well-being of insured members.

Benefits of Care Supreme Health Insurance Plan

On buying the Care Supreme Health Insurance Plan, you can get umpteen benefits such as those listed below:

• Network Hospitals: Network hospitals are those where policyholders can seek cashless treatment. Care Health Insurance has tie-ups with over 21,100 network hospitals which makes it convenient for policyholders to locate a network hospital nearby. With this extensive number of network hospitals, policyholders can easily seek quality treatment without worrying about hefty medical expenses.

• Cumulative Bonus: With Cumulative Bonus cover, you can now boost the sum insured up to 500% in 5 consecutive years. This type of cover does not take into account any reduction due to any claims raised. Thus, with a Cumulative Bonus, the sum insured increases by 50% and a maximum of up to 100% every year.

• Unlimited Automatic Recharge: This benefit provides policyholders with recharging the sum insured even if it gets exhausted in case a claim has been raised.

• Tax Benefits: Policyholders can also save on tax with the Care Supreme Health Insurance plan. There are tax deductions applicable with the Care Supreme Health Insurance plan as specified under section 80D of the Income Tax Act of 1961.

• Healthcare Benefits: The Care Supreme Health Insurance plans also offer coverage for, day care treatment, organ donor cover, ambulance cover, and more. This plan also provides coverage for alternative treatments like AYUSH treatment, Ayurvedic, or Homeopathic treatment. Based on the sum insured, you can get all the aforementioned coverage. However, you need to check the waiting period to understand what coverage can you get.

• Unlimited E-consultations: You can also enjoy unlimited e-consultations whenever required. In addition, there are discounts available on pharmacy, diagnostics, and consultations.

• Discounts: A discount of 5% is offered with the Care Supreme Health Insurance plan if the policyholder chooses to buy the plan online.

Eligibility Criteria of Care Supreme Health Insurance Plan

Listed below are the eligibility criteria you need to fulfill to buy Care Supreme Health Insurance Plan:

Parameters	Eligibility Criteria
Age of Proposer	18 years
Minimum Entry Age	Adult: 18 years
	Child: 90 days
Maximum Entry Age	Adult: Lifelong
	Child: 24 years
Exit Age	Adult: Lifelong
	Child: 25 years

Inclusions of Care Supreme Health Insurance Plan

Listed below are inclusions of the Care Supreme Health Insurance plan that you should be aware of:

• Coverage for In-patient Treatment: The Care Supreme Health Insurance plan provides coverage for in-patient treatment if there is hospitalisation of at least 24 hours. Under this, coverage is offered for ICU treatments, doctor’s fees, room rents, etc.
• Pre and Post Hospitalisation Expenses: The Care Supreme Health Insurance plan provides coverage for both pre and post hospitalisation expenses. In the case of pre-hospitalisation, coverage is offered up to 60 days before hospitalisation, and in the case of post-hospitalisation, coverage is offered up to 180 days after being hospitalised.
• Organ Donor Cover: Based on the sum insured, coverage is offered for the medical expenses incurred towards the organ donation of the insured.
• Road Ambulance Cover: The Care Supreme Health Insurance plan also provides coverage for emergency roadside assistance.
• AYUSH Treatment: Based on the sum insured, the Care Supreme Health Insurance plan also provides coverage for Ayurveda, Unani, Homeopathy, and other treatments.

Exclusions of Care Health Insurance Supreme Plan

Listed below are the exclusions of the Care Supreme Health Insurance Plan:

• Any expense related to maternity, including treatment for infertility
• Expenses for the treatment of self-inflicted injuries
• Any injury due to consumption of alcohol or drugs
• Any injury due to involvement in adventurous or hazardous activities
• Expenses for cosmetic surgeries and obesity-related treatments

Documents Required for Care Supreme Health Insurance Plan

You need to provide the following documents:

• Duly filled Application form
• Aadhar card
• Passport
• Voter ID
• Driving License
• Birth Certificate
• Passport-sized photos
• In some cases, health check-up reports might be needed
• If asked, submit any extra documents requested by the insurance company

How to Buy Care Supreme Health Insurance?

Follow the steps mentioned below to buy Care Supreme Health Insurance policy:

Step 1: Visit the InsuranceDekho website.

Step 2: Click on "Health Insurance" under the "Insurance" section.

Step 3: Pick "Care Health Insurance" from the list of health insurance companies.

Step 4: Select the "Care Supreme" plan.

Step 5: Make sure you read the policy document carefully.

Step 6: Upload the necessary documents for verification.

Step 7: Make the online payment for your medical insurance premium.

Step 8: You'll receive the policy document successfully via email.

How to Raise Claims for Care Supreme Health Insurance Plan?

Here is how you can claim Care Supreme Health Insurance Plan with InsuranceDekho:

• Inform Care Health Insurance within 24 hours in case of unplanned hospitalisation and for planned hospitalisation, you must inform the company 48 hours in advance
• Then, submit a claim form in case of reimbursement claims. On the other hand, for cashless claims, you need to first submit the pre-authorisation form.
• Once your claim request has been approved, you will receive reimbursement in case of reimbursement claim, and in case of cashless claims, your bills will be directly settled at the cashless hospital.