Care Supreme Health Insurance

Benefits of Care Supreme Plan

Take a look at the key benefits of the Care Supreme plan:

• Unlimited Automatic Recharge

  With this benefit, the policy sum insured is recharged unlimited times in a year for the same as well as unrelated illnesses in case the base sum insured gets exhausted due to one or more claims.

• Unlimited E-Consultations

  The plan enables the insured to avail unlimited e-consultations with qualified general physicians within the network of the insurance company. The consultations can be availed through a phone call, video call, chat or email.

• Cumulative Bonus

  It also comes with the cumulative bonus benefit that increases the policy sum insured by 50% up to a maximum of 100% if no claims are raised in the previous policy year. 

• Cashless Hospitalization

  The Care Supreme plan provides the insured with cashless hospitalization facilities at more than 19000 network hospitals of Care Health Insurance.

• Health Services

  Under this plan, the insured also has an access to the ‘Health Portal’ and ‘Discount Connect’ benefits. While the ‘Health Portal’ offers services, such as doctor on chat, digital locker for medical documents, etc., the ‘Discount Connect’ offers special rates for OPD, pharmacy and diagnostic services. 

• Tax Benefits

  The premium paid for buying this plan is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.

Care Supreme Plan Eligibility Criteria

Check out the eligibility criteria for buying a Care Supreme plan below:

Inclusions of Care Supreme Plan

The Care Supreme plan includes the following coverage:

• In-patient Care – It covers the medical expenses incurred on hospitalization taken for at least 24 hours, such as nursing expenses, OT charges, doctor’s fees, ICU charges, room rent, etc.
• Day Care Treatment – It pays for the cost of medical procedures that require hospitalization of less than 24 hours.
• Advance Technology Methods – It covers the cost of treatment taken through advanced technology methods, such as robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy, etc.
• Pre-hospitalization Medical Expenses – It pays for the medical expenses incurred up to 60 days before getting hospitalized.
• Post-hospitalization Medical Expenses – It covers the medical expenses incurred up to 180 days after getting discharged from the hospital.
• AYUSH Treatment – It pays for the charges incurred on availing in-patient treatment through Ayurveda, Homeopathy, Siddha and Unani system of medicines. 
• Domiciliary Hospitalization – It covers the cost of treatment taken at home for at least three days as per the recommendation of a qualified doctor in case hospitalization is not possible. 
• Organ Donor Cover – It pays for the medical expenses incurred towards the organ donor of the insured for an organ transplant surgery.
• Road Ambulance Cover – It covers the medical expenses incurred on availing emergency road ambulance services for the transportation of the insured.

Optional Covers:

• Cumulative Bonus Super –  It grants a cumulative bonus of 100% of the sum insured up to a maximum of 500% for every claim-free year.
• Annual Health Check-up – It offers free preventive health check-up facilities every year to all insured members.
• PED Wait Period Modification – It reduces the waiting period for pre-existing diseases from 4 years to 1 year/2 years/3 years.
• Room Rent Modification – It modifies the applicable room rent limit and enables the insured to get admitted to a twin-sharing or private single AC room. 
• Women Care – It will cover adult women for the cost of diagnostic services, including mammography, PCOS/PCOD tests and cervical cancer screening, for up to Rs 50,000 per policy year.
• Newborn Cover – It covers the medical expenses incurred on the treatment of a newborn baby from Day 1.
• Instant Cover – It waives off any pre-existing disease waiting period on diabetes, hypertension, asthma and hyperlipidemia.
• Mental Health Wellbeing – It covers the cost of outpatient treatment taken for mental conditions, such as acute depression, anxiety, post-traumatic stress disorder and obsessive-compulsive disorder.
• Air Ambulance – It covers the medical expenses incurred on availing air ambulance services in India for up to Rs 5 lakh per year.
• Deductible – It enables you to opt for a deductible for your claims allowing you to earn a discount on your premium.
• Co-payment – It allows you to pay a co-payment on every claim enabling you to reduce your premium amount.
• Claim Shield – It pays for the items used during hospitalization that are generally not covered under a health insurance policy.
• Named Ailment Wait Period Modification – It reduces the waiting period for named ailments from 2 years to 1 year.
• Smart Select – It provides a discount on premiums by availing hospitalization facilities at a network hospital of the insurance company. In the case of a non-network hospital, a co-payment of 20% will apply.
• Wellness Benefit – It provides the insured with access to wellness benefits, such as a discount on renewal premiums, wellness coach/nutritionist, digital fitness coaching, etc.
• Plus Benefit – It provides an additional claim amount of up to Rs 10 lakh to the insured that can be used in case the base sum insured gets exhausted.
• Be-Fit Benefit – It allows the insured to make unlimited visits to a fitness centre within the insurer’s network during a policy year.

Exclusions of Care Supreme Plan

The following treatment expenses are excluded under the Care Supreme plan:

• Maternity expenses
• Sterility and infertility
• Treatment for self-inflicted injury
• Artificial life maintenance
• External congenital anomaly
• Treatment for alcoholism, drug or substance abuse
• Treatment for injuries sustained in adventure or hazardous sports
• Cosmetic or plastic surgery
• Obesity or weight-control treatments
• Hormone replacement therapy