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Care Supreme-Value: A Health Plan Offering Value for Money

Care Supreme-value is a health plan specially designed to meet the health coverage needs of middle-aged individuals. The plan offers extensive coverage, affordable premiums, and exclusive offers under its wellness benefits.

Reasons to Choose Care Health Insurance?

  • Healthcare Networks
    21600+ CASHLESS HEALTHCARE PROVIDERS^^
  • Claim settled ratio
    48 Lakh+INSURANCE CLAIMS SETTLED**
  • Claim settled
    24*7CLAIM AND CUSTOMER SUPPORT

Affordable and Unrestricted Coverage for Your Health

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5% Online + upto 30% Renewal Discount~~

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What is Care Supreme-Value?

Has affording competitive healthcare services been a pipe dream lately? Have you been sacrificing healthcare quality for affordable options? If yes, then look no further than Care Supreme Value!

Care Supreme Value is a carefully designed health insurance plan tailored to meet your healthcare needs while still keeping the costs manageable. Apart from offering exhaustive coverage, the plan combats three major insurance concerns- accessibility, savings and the well-being of our insured individuals. The plan is an ideal choice for middle-aged individuals and families alike. Keep reading to understand better this health plan to make an informed purchase of your healthcare shield!

Plan Highlights of Care Supreme Value

Care Supreme Value offers varied benefits under several sum-insured options. Below are the major highlights of the plan:

  • 50% of the Sum Insured is offered as a Cumulative Bonus for a maximum of up to 100% of the Sum Insured.
  • No sub-limits or caps for coverage of expenses incurred due to hospitalisation, domiciliary hospitalisation, AYUSH treatment, and organ donor cover.
  • Unlimited automatic recharge is available to help you get continued coverage.
  • Up to 30% discounts on renewal premiums under Wellness Benefit to encourage you to stay healthy!
  • Unlimited E-consultations with General Physicians.
  • Special 15% discount on premium under Smart Select Benefit.

Cover Highlights

Cumulative Bonus

Cumulative Bonus

Renewal Discount

Renewal Discount

Unlimited Automatic Recharge

Unlimited Automatic Recharge

Road Ambulance

Road Ambulance

Organ Donor

Organ Donor

Room Rent modification

Room Rent modification

Smart Select Benefit

Smart Select Benefit

What is Covered under Care Supreme Value

See all Sum Insured Options east

KEY FEATURES
DETAILS
Sum Insured 5L/7L/10L/15L
In-Patient Care
info Coverage of treatment expenses that require you to stay in the hospital for more than 24 Hours.
Up to SI
Day Care Treatment
info Coverage of treatment expenses that require hospital stay for less than 24 hours.
 Up to SI
Room Rent*
info You get eligible for premium discounts by setting a limit on the hospital room category where you can be hospitalised.
 The most Economical Single Private AC room available in the hospital
ICU Coverage
info Expenses incurred while treating the patient in the ICU are covered.
 No Limit
Advance Technology Methods
info Coverage of expenses incurred on treatment using specified Advanced Technology methods during a hospital stay.
Up to SI
Pre-hospitalisation Medical Expenses
info Coverage of expenses incurred on doctor’s fees, prescribed diagnostics, and pharmacy expenses for up to 60 days before hospitalisation.
60 Days
Post Hospitalisation Medical Expenses
info Coverage of expenses incurred on doctor’s fees, prescribed diagnostics, and pharmacy coverage for up to 180 days post-discharge from the hospital.
180 Days
AYUSH Treatment
info Coverage for Alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy (collectively known as AYUSH) is available if the patient is Up to SI hospitalised in an AYUSH-certified clinic.
Up to SI
Domiciliary Hospitalisation
info If a doctor prescribes treatment at home under specified circumstances for up to 3 days, the expenses are covered under domiciliary benefit.
Up to SI
Organ Donor Cover
info If a donor meets the specified requirements of the GOI and the organ is being donated to an insured member, then the policy may cover the surgical expense.
Up to SI
Road Ambulance Cover
info Expenses for hiring a road ambulance to transport the insured to the hospital for admission or for shifting the insured from one hospital to another for better treatment are covered.
Up to Rs.10,000 per year
Cumulative Bonus
info We shall reward your SI with up to a 100% increase in SI. Due to the claim, there will be no reduction in the accrued bonus on renewal.
50% of SI per year, max up to 100% of SI; Claim shall not reduce Bonus Accrued
Unlimited Automatic Recharge
info If the base SI is exhausted due to multiple claims, we shall recharge your policy with an amount equal to it unlimited times in a policy year. This additional amount can be used for multiple hospitalisations for related or unrelated illnesses.
Unlimited times for the same/or unrelated person/ disease
Health Services
info Discount Connect—Our network offers discounts on services such as consultations, diagnostics, maternity, and more.
Discount Connect - Discounts on services such as consultations, diagnostics, etc., through our network available in Mobile Application
Smart Select*
info This option reduces your premium and offers cashless treatment from a list of specified network hospitals. If taking treatment out of the value-for-money network, the insured has to bear a 20% co- pay.
 100% Cashless claims available at Value-for-Money Network Hospitals, 20% co-pay is applicable when taking treatment out of the network.
*Room Rent Modification and Smart Select are optional benefits that are pre-added to offer premium reductions.

Add-ons to Enhance Your Policy Coverage

Be-fit

Be-fit

Prioritise your fitness without having to worry about the hefty gym membership fee.
See Details
Annual Health Checkup

Annual Health Checkup

Get one cashless health checkup for each insured member every policy year.
See Details
Instant Cover

Instant Cover

Get covered for complications related to accepted pre-existing diseases such as Diabetes, Hypertension, Hyperlipidemia, and Asthma without having to serve the 3-year waiting period.
See Details
Claim Shield

Claim Shield

Claim Shield covers the expenses incurred against 68 non-payable items.
See Details
PED wait period modification

PED wait period modification

You can reduce your PED wait period by opting for the PED Wait Period Modification.
See Details
Care OPD

Care OPD

Get covered for 4 general physician consultations and any 4 Specialist Consultations from the list of 14 specified specialists. You will get a maximum reimbursement of ₹500 for each consultation.
See Details

Be-fit

×

With the Be-fit benefit, Insured members above 12 can enjoy unlimited visits to fitness centres.

×

Annual Health Checkup

For every insured member, we offer a list of pre-selected health checkups. The cashless health checkup benefit can be availed once a year at any of our network labs.

Instant Cover

×

With the add-on benefit of Instant cover, you can claim hospitalisation expenses related to Diabetes, Hypertension, Hyperlipidemia, and Asthma after the initial waiting period of 30 days.

×

Claim Shield

Under this benefit, we will cover the expenses of 68 non-payable items, such as gloves, masks, syringes, PPE kits, etc

PED wait period modification

×

With this add-on benefit, you can reduce the waiting period for specified pre-existing diseases from 3 years to 2 or one year per the policy terms

Care OPD

×

We offer coverage for four OPD consultations with General Physicians per year. The maximum amount payable for each consultation is up to ₹ 500. Additionally, we also offer OPD consultation (maximum amount for each consultation is ₹ 500) from 14 specified specialists that include-Paediatrician

  • Obstetrics and Gynecologists
  • Homoeopathic Physician
  • Dietician
  • Diabetologist
  • Dermatologist
  • Pulmonologist
  • Psychiatrist
  • Cardiologist
  • Neurologist
  • Orthopedic Surgeon
  • Nephrologist
  • Gastroenterologist
  • ENT Specialist

Care Supreme-Value Policy Details

  • Entry Age - Minimum

    • Adult: 18 years

    • Child: 90 days

  • Entry Age – Maximum

    • Adult: 99 Years

    • Child: 24 Years (last birthday)

  • Exit Age

    • Adult: Lifelong

    • Child: 25 Years

  • Cover Type

    • Individual: Max up to 6 persons

    • Floater: Max up to 2A2C

  • Tenure Options

    • 1/2/3 Years

  • Relationship Covered

    • Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in law, grandfather, grandmother

  • Waiting Period

    • Initial Waiting Period: 30 days except for accidental expenses

    • Named Ailment Waiting Period: 24 months of continued coverage

    • Pre-existing Diseases Waiting Period: 36 months of continued coverage

Download Terms & Conditions

  • Any OPD Treatment

  • Expenses attributable to suicide, attempted suicide, or any other self-inflicted injury

  • Expenses arising due to consumption of alcohol/tobacco or drug use/misuse/abuse

  • Expenses of spectacles/contact lenses and dental treatment that does not require hospitalisation

  • Expenses occurring due or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Any external congenital disease

  • Infertility related tests and treatment

  • Unlawful activities

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

21600+ Healthcare providers offering cashless treatment across the country

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Voice of Our Customer

Write a Review
RS
Rashmi Sharma
Care Supreme Value
5

Helpful plan

I got care supreme for myself and my husband. My husband had dengue and care health insurance helped me with fast claim process. Amazing service.
MT
Mithilesh Tyagi
Care Supreme Value
5

Good product

I had a good experience bcz good product given for my father in law and mother in law.. i would like to inform to my relatives and friends to take insurance in care health. Thank you
MS
Megha Shailesh Gupta
Care Supreme Value
4

Satisfied

Thank you for providing me plan like care supreme and your team gives good response regarding services and helps a lot. ek star wait karane ka kaatungi.
MG
Mahadeb Ghatak
Care Supreme Value
5

Great Customer Service

I got full cooperation from care health Insurance specially Manicanchan Gupta regarding our claim under care supreme. Thanks
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQs About Care Supreme-Value

Q. Can I add my children to the Care Supreme Value health plan?

Yes, you can add up to 2 children and 2 adults under the Care Supreme Value health insurance plan.

Q. Why should I opt for the Care Supreme Value health plan?

Care Supreme Value is a health insurance plan that offers discrete benefits at affordable premiums. In a world where healthcare costs are skyrocketing, Care Supreme Value health insurance ensures that you do not have to break the bank or compromise on the quality of healthcare services for yourself and your family.

Q. Do I need medical check-ups to opt for Care Supreme Value health insurance?

A complete health check-up may or may not be necessary to purchase a health insurance plan with Care! Although a medical checkup is not mandatory, our underwriter may request one during your policy purchase.

Q. Is a bonus offered under the Care Supreme Value health plan?

Yes. Care Supreme Value offers a cumulative bonus of 50% of the sum insured, which goes up to a maximum of 100%. Additionally, you may also get up to 30% discounts on renewal premiums if you participate in our wellness programs throughout the policy year.

Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of Feb 2025

**Number of Claims Settled as of 31st March 2024

~5% digital discount applicable as per policy terms. Renewal discounts are offered if you meet the wellness goals set under the wellness benefit program.

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