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Care Supreme
Get Bonus Unlimited Times on Base Sum Insured, Unaffected by Claims Made
Award-winning health cover featuring 50% cumulative bonus per year up to 100% that never reduces on claims, unlimited automatic recharge, and no sub-limits on modern treatments.
Plan Details & Concept
Care Supreme from Care Health Insurance offers supreme coverage designed to give you bonuses unlimited times on your base Sum Insured without reduction due to claims made.
Featuring up to 100% Sum Insured ambulance cover, unlimited automatic recharge for both related and unrelated illnesses, no sub-limits on modern or conventional treatments, up to 30% renewal discounts via healthy days step tracking, and unlimited e-consultations.
Care Health Insurance was awarded 'Smart Insurer' and 'Sales Champion' at the ET Now Insurance Summit & Awards 2025.
Core Benefits & Highlights
Cumulative Bonus
50% of SI per year, max up to 100% of SI; shall not reduce in case of claim
Cumulative Bonus Booster (Add-on)
100% of Base SI per year irrespective of claim — unlimited times on continuous renewal
Unlimited Automatic Recharge
Available for unlimited times for unrelated or same illness from subsequent claim
No Sub-limits on Treatments
No capping on Modern or Conventional treatment expenses
Ambulance Cover
Up to 100% of Sum Insured for SI ₹15 Lakh & above; up to ₹10,000 for SI below ₹15 Lakh
Pre & Post Hospitalization
60 days pre-hospitalization and 180 days post-hospitalization medical expenses covered up to Sum Insured
AYUSH & Domiciliary
100% Sum Insured coverage for AYUSH treatments and Domiciliary hospitalization
Unlimited E-Consultations
Unlimited virtual consultations with General Physicians in network
Wellness Benefit (Healthy Days)
Earn up to 30% discount on renewal premium by walking 10,000+ steps/day
Welcome Discount
Up to 7.5% discount on premium for new policy buyers (7.5% 1st yr, 5% 2nd yr)
Health Services
Doctor on chat, healthy tips reminders, and network discount connect for diagnostics & maternity
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| In-Patient Care | Covered up to Sum Insured |
| Day Care Treatment | All day care procedures covered up to Sum Insured |
| Modern Treatment | Covered up to Sum Insured without sub-limits |
| Room Rent & ICU Cover | Up to Sum Insured (No room category capping) |
| Pre-Hospitalization Medical Expenses | Up to Sum Insured, pre-hospitalization expense cover for 60 days prior to hospitalization |
| Post-Hospitalization Medical Expenses | Up to Sum Insured, post-hospitalization expense cover for 180 days after discharge |
| AYUSH Treatment | Covered up to Sum Insured |
| Domiciliary Hospitalization | Covered up to Sum Insured |
| Organ Donor Cover | Covered up to Sum Insured |
| Road Ambulance Cover | For SI below ₹15 lac - up to ₹10,000; For SI ₹15 lac and above - up to Sum Insured |
| Cumulative Bonus | 50% of SI per year, max up to 100% of SI; shall not reduce in case of claim |
| Unlimited Automatic Recharge | Available for unlimited times for unrelated or same illness |
| Health Services | Doctor on chat, health tips reminder, and Discount Connect for consultations, diagnostics & maternity at network |
Advanced Policy Innovations
- Bonus That Never Reduces: Earn 50% of SI per year up to 100% that stays intact even after claim payment
- Unlimited Automatic Recharge: Instant reinstatement of Sum Insured unlimited times in a policy year
- No Sub-limits: Complete freedom on ICU, room rent, and modern surgeries
- Zone-based Pricing: Fair premiums based on your city of residence across Zones 1 to 7
- Digital Health Services: 24/7 doctor chat, discount connect at partner diagnostic labs and clinics
Customize With Optional Riders
Cumulative Bonus Super
Up to 100% of SI per year, maximum up to 500% of Sum Insured (shall not reduce on claim)
Unlimited Care
Any one claim during policy lifetime payable without any limit on Sum Insured
Care OPD
Up to 4 general physician & 4 specialist physical consultations per policy year
Instant Cover
Pre-existing conditions (Hypertension, Diabetes, Asthma, CAD with PTCA >1 yr) covered after 30 days initial wait
Air Ambulance
Covered up to ₹5 Lacs per policy year
Annual Health Check-Up
Once per insured person per policy year
Claim Shield / Claim Shield+
Covers listed non-payable items (up to 68 items or lists I-IV)
Modification of PED Wait Period
Reduce pre-existing disease waiting period to 1 or 2 years
Be-Fit
Unlimited access to network fitness centers in a policy year (aged 12+ yrs)
Entry Guidelines & Waiting Periods
Minimum Entry Age: Adult 18 years, Child 90 days.
Maximum Entry Age: Adult Lifelong, Child 24 years.
Exit Age: Adult Lifelong, Child 25 years.
Sum Insured Options: ₹5L, 7L, 10L, 15L, 25L, 50L, 100L.
Tenure Options: 1, 2, or 3 years.
Cover Type: Individual (up to 6 persons) | Floater (up to 2 Adults + 2 Children).
Pricing Zones: Zone 1 (Delhi NCR, Surat, Mathura, Aligarh, Alwar, Bharatpur), Zone 2 (Mumbai MMR), Zone 3 (Rest of Gujarat), Zone 4 (Telangana, Ahilyanagar, Indore, Nashik, Pune), Zone 5 (Bangalore, Kolkata, Nagpur, Vijayawada, etc.), Zone 6 (Rest of Karnataka/Maharashtra, Chennai, Jaipur, etc.), Zone 7 (Rest of India).
Waiting Periods: Initial waiting period 30 days (accidents exempt), Named ailment waiting period 24 months, Pre-existing diseases waiting period 36 months (can be modified to 1 or 2 years).
Our Healthcare Commitments
30 Mins
Cashless Claim Processing
10,000+
Network Hospitals
24x7
Customer Service Support
10 Lakh+
Claims Successfully Processed
Regulatory Disclaimer
Care Health Insurance Limited. Regd. Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019. Corresp. Office: Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-122009 (Haryana). CIN: U66000DL2007PLC161503. UAN: 26057425. UIN: CHIHLIP27061V032627 (Care Supreme). UIN: CHIHLIA23060V012223 (Care OPD). UIN: CHIHLIA27059V022627 (Care Advanced). IRDAI Registration Number - 148. Insurance is a subject matter of solicitation.
Official Policy Brochure
Download the complete product brochure for Care Supreme with all terms, waiting periods, and schedules.
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