The Care Supreme Value Plan is more than just a health insurance policy; it's a flexible health plan that offers comprehensive coverage at a reasonable premium. It's not just for individuals or families; it's for you. This plan shields you from various medical expenses, from hospitalization to pre- and post-hospitalization costs, daycare treatment, ICU coverage, and more. It's adaptable to your needs, whether you're a middle-aged individual or part of a family.
Network Hospitals
Specifications for Care Supreme Value Health Insurance Plan
Below is the Specifications for the Care Supreme Value Health Plan:
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Entry Age
Adult: 18 years to 99 years; Child: 90 days to 24 years
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Sum Insured
INR 5L, INR 7L, INR 10L
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
3 Years
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Initial Waiting Period
30 Days
Eligibility to buy Care Supreme Value Health Insurance Plan
Below is the eligibility of the Care Supreme Value Health Insurance policy:
- Care Supreme Value Plan (Individual)
- Care Supreme Value Plan (Family)
Entry Age: 18 years to 99 years
No. of Covered Members: Up to 6 Members
Policy Term: 1,2,3 Years
Entry Age: 18 years to 99 years (Adult), 90 days to 24 years (Last Birthday)
Niva Bupa Senior First Plan Coverage Benefits
The Care Supreme Value Insurance Plan is designed to provide comprehensive health coverage, ensuring financial protection during medical emergencies. Here's a detailed breakdown of the coverage benefits offered under this plan:
- 5L
- 7L
- 10L
Room Rent
Most Economical Single Private AC Room
ICU Charges
Covered Up to the Sum Insured
Pre-Hospitalization
Covered up to SI for 60 Days
Post-Hospitalization
Covered up to SI for 180 Days
Daycare Treatment
Covered Up to the Sum Insured
Domiciliary Treatment
Covered up to the Sum Insured
No Claim Bonus
50% of SI, up to the maximum of 100% of SI
Automatic Restoration
Available for unlimited times
Organ Donor
Covered up to the Sum Insured
Ambulance Cover
Covered up to INR 10K
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 with General Physician
Modern Treatment/Advanced Technology Method
Covered up to 100% of the Sum Insured
Care Supreme Value Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Care Supreme Value Insurance Policy:
- Any OPD treatment
- Intentional self-injury
- Change of Gender
- Expenses arise due to the consumption of alcohol, tobacco or drugs.
- Any external congenital disease
- AIDS
- Unlawful activities
- Tests related to infertility and treatment
- 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:
- Initial Waiting Period: 30 Days
- Waiting Period for Pre-existing Period: 48 Months
- Listed Ailments: 24 Months
Care Supreme Value Health Plan Additional Benefits
Care Supreme Value Health Plan offers comprehensive coverage for medical expenses and provides additional benefits designed to enhance the overall value and convenience for policyholders. Here are the additional benefits included in the plan:
Room Rent Modification
You can modify the room type at your convenience to a Single Private AC room or a Twin sharing room as specified in the Policy schedule.
Reduction in PED Waiting Period
This add-on rider will reduce the applicable pre-existing disease waiting period from 48 to 24 months.
Annual Health Checkup
This add-on benefit will provide an annual health check-up to every insurance member once a policy year. Below is the complete list of medical tests covered under this rider:
- Complete Blood Count(CBC)
- Urine Routine
- ESR
- ABO Group & Rh Type
- Blood Sugar Fasting
- Cholesterol
- Cholesterol Direct LDL
- CholesterolHDL
- Triglycerides
- Total Cholesterol/HDL Ratio
- Creatinine
- Blood Urea Nitrogen
- Bun/ Creatinine Ratio
- Uric Acid
Smart Select
By choosing this add-on rider, the total premium will be reduced by some percentage (which includes a premium of Base Benefits, Optional Benefits—Room Rent Modification, PED Wait Period Modification, Named Ailment Wait Period Modification, Instant Cover, Deductible, Co-payment, New Born Cover, Plus Benefit, Cumulative Bonus Super, and Air Ambulance cover).
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.
Health Services
Policyholders will have access to health-related information and services such as Doctor on chat, Healthy tips reminders, and a Digital locker for medical records. Also, the insured will get special discounted rates in network hospitals on OPD, Diagnostics, maternity, Pharmacy, etc.
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., one 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.
| No. of Healthy Days in a Year | Discount on Renewal Premium |
|---|---|
| 270 | 30% |
| 240 | 20% |
| 180 | 15% |
| 120 | 10% |
| Less then 120 | 0& |
Be-fit Benefit
The insured above 12 can avail unlimited visits to the company's network of fitness centres in a policy year. Services will be provided only through the listed fitness centres.
Claim Shield
This benefit will provide coverage for the expenses of 68 non-payable items, such as gloves and masks.
