Care Health Super Mediclaim Review 2026

01The detail

Super Mediclaim in one table

Claim settlement ratio

96%FY 2024–25

95% recommended

Complaints per 10,000

42.9policies

Under 10 recommended

Insurer	Care Health Insurance Limited
Sum insured	Up to ₹50 lakh.
Entry age	Adults from 18, with no maximum entry age and no exit age. Children from 91 days to 4 years where at least one insured member is 18 or over, or from 5 years on an individual basis.

Claim settlement and complaint figures are IRDAI-published and held centrally by NYVO, not taken from the insurer's marketing.

02Cover

What Super Mediclaim 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
What kind of plan this is	Indemnity, but disease-specific. It reimburses hospital bills up to the sum insured for the variant you bought – critical illness, cancer, heart or surgery – not for illness generally.	Read this first – it is not a substitute for a full health policy
Sum insured	Up to ₹50 lakh.	₹50 lakh or more for a metro family
Entry age	Children from 91 days to 4 years. No maximum entry age for adults.	Buy before a condition appears

What this plan does

03Waiting periods

Super Mediclaim 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 from the start of the first policy, except for an accident
Pre-existing disease	36 months of continuous cover
Specified diseases and procedures	24 months of continuous cover

04Exclusions

Super Mediclaim 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.

Not coveredIndicative, not exhaustive. Your policy wording is the contract.

01Anything in the first 30 days of the first policy, other than an accident.

02Pre-existing diseases and their direct complications, until 36 months of continuous cover.

03The listed specified diseases and procedures, until 24 months of continuous cover.

05The honest bit

Where Super Mediclaim 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.

Worth knowing before you buyNone of these are dealbreakers on their own. They are the trade-offs this plan asks you to accept.

01A top-up or a higher sum insured is usually better value than a second base policy. Compare the cost of raising this plan's cover against buying a super top-up before deciding.

02Waiting periods restart on any increase in sum insured, to the extent of the increase.

03Care Health draws 42.9 complaints per 10,000 weigh that against the wording, because a policy is only as good as the claim behind it.

06FAQs

Super Mediclaim questions, answered

What kind of policy is this?

It is indemnity health insurance: it reimburses what the hospital actually charges, up to the sum insured you bought. That is different from a fixed-benefit plan, which pays a set amount whatever the bill comes to, and different again from a top-up, which only starts paying above a deductible.

What are the waiting periods?

Thirty days from the start of the first policy for anything other than an accident, 36 months for pre-existing conditions, and 24 months for the listed specified diseases and procedures. The policy wording is the contract.

07Source documents