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Care Supreme health insurance

Care Supreme health insurance

Plan highlights of Care Supreme health insurance

Upto 60 days pre hospitalization and 180 days hospitalization coverage
Pay the premium as per the city you live in
AYUSH treatment coverage upto 100% of sum insured under - Domiciliary hospitalization
Advance technology methods covered upto 100% of sum insured
No reduction in cumulative bonus even if you claim

Unique Features of Care Supreme health insurance

Unlimited Automatic Recharge: With this benefit, the policy sum insured is recharged unlimited times in a year for the same as well as unrelated illnesses in case the base sum insured gets exhausted due to one or more claims.
Unlimited E-Consultations: The plan enables the insured to avail unlimited e-consultations with qualified general physicians within the network of the insurance company. The consultations can be availed through a phone call, video call, chat or email.
Cumulative Bonus: It also comes with the cumulative bonus benefit that increases the policy sum insured by 50% up to a maximum of 100% if no claims are raised in the previous policy year.
Cashless Hospitalization: The Care Supreme plan provides the insured with cashless hospitalization facilities at more than 19000 network hospitals of Care Health Insurance.
Health Services: Under this plan, the insured also has an access to the ‘Health Portal’ and ‘Discount Connect’ benefits. While the ‘Health Portal’ offers services, such as doctor on chat, digital locker for medical documents, etc., the ‘Discount Connect’ offers special rates for OPD, pharmacy and diagnostic services.
Tax Benefits: The premium paid for buying this plan is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.

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Sum Insured

USD 4lacs/600Lac

Claims settlement ratio **

86.63%

Incurred claims ratio

59.00%

Number of policies issued *

1,178,380

Number of lives covered *

7,342,207

List of Network Hospitals

19,000+ hospitals

Tenure Options

1, 2, 3 years

* As per IRDAI report | ** As per NL25 data published on the Insurance Company website

Features of Care Supreme health insurance

Sum Insured	5 lacs, 7 lacs, 10 lacs, 15 lac, 25 lacs, 50 lacs, 100 lacs
Inpatient Care	Up to Sum Insured
Day Care	All day care procudures
Advanced technology methods	Up to Sum Insured
Room rent	All Category Rooms Allowed
ICU cover	No Limit
Pre-hospitalization medical expenses	Up to Sum Insured, upto 60 days prior to hospitalization
Post-hospitalization medical expenses	Up to Sum Insured, upto 180 days after discharge
AYUSH treatment	Up to Sum Insured
Domiciliary hospitalization	Up to Sum Insured
Organ Donor cover	Up to Sum Insured
Road Ambulance cover	Up to Rs.10,000 per year for SI<15 Lacs, Upto SI for SI>=15 Lacs
Cumulative bonus cover	50% of SI per year, max up to 100% of SI; Claim will not reduce Bonus Accrued
Unlimited Automatic Recharge	Available for unlimited times for unrelated or same illness.
Unlimited E-consultations	Available for Consultations with General Physicians
Health services	Discount Connect - Discounts on services such as Consultations, Diagnostics, Maternity etc at Care Health network.

Optional Covers:

Cumulative Bonus Super	grants a cumulative bonus of 100% of the sum insured up to a maximum of 500% for every claim-free year.
Annual Health Check-up	offers free preventive health check-up facilities every year to all insured members.
PED Wait Period Modification	It reduces the waiting period for pre-existing diseases from 4 years to 1 year/2 years/3 years.
Room Rent Modification	modifies the applicable room rent limit and enables the insured to get admitted to a twin-sharing or private single AC room.
Women Care	It will cover adult women for the cost of diagnostic services, including mammography, PCOS/PCOD tests and cervical cancer screening, for up to Rs 50,000 per policy year.
Newborn Cover	covers the medical expenses incurred on the treatment of a newborn baby from Day 1
Instant Cover	waives off any pre-existing disease waiting period on diabetes, hypertension, asthma and hyperlipidemia.
Mental Health Wellbeing	covers the cost of outpatient treatment taken for mental conditions, such as acute depression, anxiety, post-traumatic stress disorder and obsessive-compulsive disorder.
Air Ambulance	covers the medical expenses incurred on availing air ambulance services in India for up to Rs 5 lakh per year.
Deductible	enables you to opt for a deductible for your claims allowing you to earn a discount on your premium.
Co-payment	allows you to pay a co-payment on every claim enabling you to reduce your premium amount.
Claim Shield	pays for the items used during hospitalization that are generally not covered under a health insurance policy.
Named Ailment Wait Period Modification	reduces the waiting period for named ailments from 2 years to 1 year.
Wellness Benefit	provides the insured with access to wellness benefits, such as a discount on renewal

Eligibility of Care Supreme health insurance

Age of Proposer	18 years or above
Entry Age - Minimum	Adult : 18 years; Child : 5 years
Entry Age - Maximum	Adult: 60; Child: 24 Years
Exit Age	Adult: Lifelong; Child: 25 Years
Cover Type	Individual: max up to 6 persons;Floater: max up to 2A2C
Tenure Options	1/2/3 Years
Who are covered (Relationship with respect to the Proposer)	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, Grand father, grand mother
Initial Waiting Period	30 Days
Age of the Proposer	18 Years above
Named Ailment Waiting Period	24 months
Pre-Existing Diseases Waiting Period	48 months