Care Supreme in one table
| Insurer | Care Health Insurance Limited |
|---|---|
| Sum insured | ₹5 lakh to ₹6 crore, in tiers of 5 / 7 / 10 / 15 / 20 / 25 / 50 / 75 / 100 lakh and ₹6 crore |
Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.
What Care Supreme covers
These are the terms that decide what you are actually paid when you claim. Room rent, co-pay and restoration do more to shape a settlement than the sum insured does, and they are read from Care Health's own policy wording.
| Feature | This plan | What good looks like |
|---|---|---|
| Co-payment | None in the base plan. A co-payment only appears if you choose one yourself to cut the premium, or if you opt for Smart Select and then treat outside its hospital list. | No Co-payment |
| Room Rent Limit | No cap – room rent and ICU are both payable up to the sum insured | No room rent capping |
| Disease sub-limit | None. Modern and conventional treatments alike are payable up to the sum insured. | No sub-limit |
| Cumulative Bonus | 50% of the sum insured added each year, to a ceiling of 100%. It does not shrink when you claim, so it is a guaranteed bonus rather than a no-claim bonus. | 50% each year (Minimum upto 100%) |
| Restoration Benefit | Unlimited Automatic Recharge – the base sum insured refills without limit inside a policy year, for the same illness as well as a different one | 100% restoration once in a year |
| Pre-Hospitalization | 60 days, up to the sum insured | At least 60 days |
| Post-Hospitalization | 180 days, up to the sum insured | At least 120 days |
| Consumables | Not covered in the base plan. The paid Claim Shield benefit pays for the 68 listed non-payable items. | Consumables covered |
| Day-Care Procedures | All day care procedures, covered up to the sum insured | Covered without a capped list |
| Road Ambulance | Up to the sum insured on ₹15 lakh cover and above; capped at ₹10,000 a year below ₹15 lakh | Included |
| AYUSH Treatment | In-patient AYUSH treatment covered up to the sum insured | Included |
| Domiciliary Hospitalisation | Up to the sum insured, once treatment at home runs beyond three consecutive days | Included |
| E-consultations | Unlimited e-consultations with general physicians in the insurer's network | Included |
| Entry age | Adults from 18 with no upper limit · children 90 days to 24 years | No maximum entry age |
Care Supreme add-ons you can buy with it
Each of these costs extra and each has its own conditions. Some are genuinely worth it; several exist to patch a gap in the base plan. Ask what each one adds before it goes on your quote.
Care Supreme discounts you can ask for
Published discounts on this plan. Most are applied at quote stage rather than offered, so it is worth naming the ones you qualify for. Every figure is a ceiling, not a promise - what you actually get depends on the case.
| Discount | Worth | When it applies |
|---|---|---|
| Welcome discount | Up to 7.5% | For new buyers – 7.5% in the first year and 5% in the second. |
| Family discount | Up to 5% or 10% | On each member beyond the eldest, where everyone holds their own sum insured. 5% for two or three people, 10% for four or more. |
| Tenure discount | Up to 7.5% and 10% | 7.5% off the second year if you pay two years up front, plus 10% off the third year on a three-year policy. |
| NRI discount | Up to 15% | For non-resident Indian policyholders. |
| Wellness renewal discount | Up to 30% | Through the paid Wellness Benefit, for logging 10,000 steps a day across 270 days of the year. |
From the plan's own prospectus. Discounts multiply rather than add, and the total is capped at 50% of the premium.
Care Supreme waiting periods: when each part of the cover starts
Waiting periods run from the day cover began, not from the day you fall ill, and they run in parallel rather than one after another.
| Initial Waiting Period | 30 days |
|---|---|
| Named Ailment | 24 months |
| Pre-Existing Disease | 36 months |
The named illnesses that wait 24 months
These wait 24 months from the start of your first policy, whether the condition was pre-existing or picked up later. An accident is covered from day one. This list is indicative – the policy wording carries all 14 entries.
Care Supreme exclusions: what the plan will not pay for
Every policy carries exclusions, and they are the clauses people read for the first time at claim stage. These are the ones worth knowing before you buy.
Where Care Supreme falls short
No plan is right for everyone, and a page that only lists strengths is not much use to you. These are the gaps we would raise on a call before recommending it.
Care Supreme questions, answered
Is the Care Supreme bonus really 500%?
Only if you pay for it. The bonus built into the base plan adds 50% of your sum insured each year and stops at 100%. Getting to 500% means buying Cumulative Bonus Super, an optional benefit with its own premium. The catch worth knowing is what happens if you drop it: the entire bonus accrued under Cumulative Bonus Super is forfeited at that renewal, so the add-on is a commitment rather than something to switch on and off.
Does a claim reduce my bonus?
No. Both the base Cumulative Bonus and Cumulative Bonus Super are stated in the wording as unaffected by a claim. That makes them guaranteed bonuses rather than no-claim bonuses, which is a meaningful difference – on the older Care Health plans, including Care and Care Advantage, the bonus is clawed back in a year you claim.
Does Instant Cover mean my diabetes is covered from day one?
No, and this is worth being firm about. Instant Cover waives the 36-month pre-existing disease wait for diabetes, hypertension, high cholesterol and asthma, but the wording says cover begins on the 31st day of the policy, after the ordinary 30-day initial waiting period is served. You can only take it on your first policy with the insurer, and you cannot combine it with the option that shortens the pre-existing wait to one or two years.
How many times can the cover be restored?
Without limit inside a policy year, and it works for the same illness as well as a different one. That second part matters more than the first: many plans only refill your cover for an unrelated condition, so a single long-running illness can exhaust the policy and leave you with nothing. Restoration is only drawn on once the base sum insured, and any bonus you have accrued, are fully spent.
Are consumables covered?
Not in the base plan. Claim Shield is an optional benefit that pays for the 68 listed non-payable items up to your sum insured, and a wider version – Claim Shield+, covering Lists I to IV – is sold under a separate Care Advanced add-on policy. You can take one or the other, not both. If you buy Care Supreme without either, budget for the consumables line on your hospital bill.
Is there a room rent limit or a co-payment?
Neither, as the plan is sold by default. Room rent and ICU are both payable up to the sum insured, and no co-payment applies. Both can appear if you actively choose them to cut the premium: Room Rent Modification caps you at a single private AC or twin sharing room, and Smart Select attaches a 20% co-payment to any claim from a hospital outside its shorter list. Check your policy schedule for either before you assume the defaults apply.
Read it from the insurer
We summarise. The policy wording is the contract, and it is the only document that settles a dispute. These links go to the insurer's own pages.
Understand the terms before you commit
A plan page tells you what this policy does. These explain why each term matters and what it costs you when it is missing.
Other Care Health plans we have read
Care Health files these separately, and the terms differ between them. If you are choosing within the range, compare the waiting periods and the exclusions rather than the sum insured.