Care Supreme Plan is a comprehensive health insurance plan designed to empower you with protection and support throughout your life. The plan goes beyond traditional coverage to provide a holistic approach to wellness by integrating preventive care, personalized treatment options and innovative resources. Moreover, the Care Supreme Plan offers various types of coverage benefits, such as domiciliary hospitalization, coverage for daycare procedures, AYUSH treatment, etc.
Specifications for Care Supreme Health Insurance Plan
Below is the Specifications for the Care Supreme Health Plan:
| Particulars | Specifications |
|---|---|
| Entry Age | Adult: 18 years to 99 years; Child: 90 days to 24 years |
| Renewability | Lifelong |
| Policy Type | Individual and Family |
| Sum Insured | INR 5L, INR 7L, INR 10L, INR 15L, INR 25L, INR 50L, INR 1Cr |
| Policy Term | 1, 2, 3 Years |
| Waiting Period for Pre-Existing Disease | 30 Days |
Eligibility to buy Care Supreme Health Insurance Plan
Below is the eligibility of the Care Supreme Health Insurance policy:
Care Supreme Plan (Individual)
Entry Age: 18 years to 99 years
Policy Term: 1,2,3 Years
Care Supreme Plan (Family)
Entry Age: 18 years to 99 years (Adult), 90 days to 24 years (Last Birthday)
No. of Covered Members: Up to 6 Members
Relation Covered: 1A+1C, 1A+2C, 1A+3C, 1A+4C, 2A, 2A+1C, 2A+2C,
Allowed Relation: Self, Spouse/ live-in partner/same-sex partner, son, daughter, father, mother, mother-in-law, father-in-law, grandmother, grandfather
Policy Term: 1,2,3 Years
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Coverage Benefits Offered Under Care Supreme Insurance Plan
Care Supreme goes beyond traditional health insurance to offer a holistic approach to your well-being. Here's a detailed description of the coverage benefits you can expect:
- 5L
- 7L
- 10L
- 15L
- 25L
- 50L
- 1 Cr
Room Rent
Up to the Sum Insured
ICU Charges
Up to the Sum Insured
Pre-Hospitalization
Covered up to SI for 60 Days
Post-Hospitalization
Covered up to SI for 180 Days
Daycare Treatments
All Daycare Treatment
Domiciliary Treatment
Up to the Sum Insured
No Claim Bonus
Available up to 50% of SI
Automatic Restoration
Available for unlimited times
Organ Donor
Covered up to the Sum Insured
Ambulance Cover
Covered up to 25% of SI subject to a max. of INR 25K
Modern Treatment
Covered up to INR 10K
Covered up to INR 10K
Covered up to INR 10K
Covered up to INR 10K
Covered up to the Sum Insured
Covered up to the Sum Insured
Covered up to the Sum Insured
Air Ambulance Cover
Covered up to INR 5 Lakhs per policy year
AYUSH Treatment
Up to the Sum Insured
Maternity Benefit
Covered under Health Service Benefit
Annual Health Check-up
Available as an optional benefit
Unlimited E-consultation
Available
Modern Treatment/Advanced Treatment
Covered up to 100% of the Sum Insured
Care Supreme Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Care Supreme Insurance Policy:
- Mental illness
- Intentional self-injury
- Change of Gender
- AIDS
- Cosmetic & aesthetic treatment
- Dental surgery
- Hospitalization due to war, strikes, riots, and nuclear weapons.
- Congenital disease
- Miscarriage and abortion
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Listed Ailments: 24 months
- Waiting Period for Pre-existing Period: 48 months
- Initial Waiting Period: 30 Days
Care Supreme Health Plan Add-on Riders
Care Supreme plan provides a strong foundation for your health care needs. However, you can customize your coverage and increase your benefits by selecting optional add-on riders. Here are the add-on rider benefits offered under the Care Supreme Plan:
Annual Health Check-up
This add-on benefit will provide an annual health check-up to every insurance member in the policy.
Cumulative Bonus
This add-on rider will increase the base sum insured amount by 100% for every claim-free year, up to a maximum of 500% of the sum insured in five consecutive years.
Reduction in PED Waiting Period
This add-on rider will reduce the applicable pre-existing disease waiting period from 48 to 24 months.
Care OPD
This OPD will cover 4 general physician consultations and 4 specialist consultations from the list of 14 specified specialists annually. You will get a maximum reimbursement of Rs 500 for each consultation.
- Paediatric
- Obstetric and Gynecologist
- Dietician
- Diabetologist
- Dermatologist
- Pulmonologist
- Psychiatrist
- Cardiologist
- Neurologist
- Orthopedic Surgeon
- Nephrologist
- Gastroenterologist
- ENT Specialist
Instant Cover
By adding this rider, you will get instant coverage for diabetes, hypertension, hyperlipidemia, and asthma. After the initial waiting period of 30 days, you can claim hospitalization expenses related to these conditions.
Claim Shield
This benefit will provide coverage for the expenses of 68 non-payable items, such as gloves and masks.
Wellness Benefit
A wellness program rewards policyholders with a discount of up to 30% on renewal premiums for maintaining a healthy lifestyle. You must also achieve your active days' target, i.e., 1 active day = 10,000 steps daily. This benefit is subject to the following terms and conditions:
- This benefit will be applicable on an individual basis. In the case of a family floater, the average discount the insured receives will be considered.
- The number of active days completing 10,000 steps or more accumulated in the last two months of the Policy Period would not be considered for a discount on the renewal premium. The same shall be considered in the next policy period.
- In the case of multi-tenure, the average discount over the years will be considered.