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Care Health Insurance

Care Supreme

By Care Health Insurance (formerly Religare Health Insurance)

₹999/month

Indicative premium for a family of 4 with ₹10 Lakh cover (ages 35, 32, 5, 3). Actual premium varies by age, city, and cover amount.

19,000+
Network Hospitals
95.2%
Claim Settlement Ratio
₹6 Cr
Maximum Cover
Up to 100%
No Claim Bonus
3 Years
PED Waiting Period

Plan Highlights

What makes Care Supreme stand out from the competition

No Room Rent Limit

Choose any hospital room including a private suite without proportionate deductions on associated expenses.

Free Annual Health Check

Complimentary health check-up every year at network diagnostic centres, regardless of claims made.

Maternity Cover

Covers maternity hospitalisation and pre/post-natal expenses after a 2-year waiting period. New-born cover included.

Critical Illness Cover

Covers 32 critical illnesses including cancer, heart attack, kidney failure, and organ transplant as a built-in benefit.

Mental Health Cover

In-patient psychiatric treatment and counselling covered in line with IRDAI guidelines on mental health parity.

No Sub-limits on Modern Treatments

Robotic surgery, stem cell therapy, and other advanced treatments covered without any separate sub-limits.

AYUSH Treatment Covered

Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments at AYUSH-recognised hospitals are fully covered.

OPD Rider Available

Optional OPD rider covers doctor consultations, pharmacy bills, and diagnostics without hospitalisation.

Detailed Coverage

A comprehensive look at what is and is not covered under Care Supreme

Coverage FeatureDetailsStatus
In-patient HospitalisationAll hospitalisation above 24 hoursFully Covered
Pre-hospitalisation60 days before admissionCovered
Post-hospitalisation180 days after dischargeCovered
Day-care ProceduresAll IRDAI-recognised day-care treatmentsFully Covered
Room RentNo cap - any room categoryNo Sub-limit
ICU ChargesNo sub-limit applicableNo Sub-limit
Road AmbulancePer hospitalisationCovered
Air AmbulanceUp to ₹2.5 Lakh per policy yearCovered
Domiciliary HospitalisationMinimum 3-day at-home treatmentCovered
Organ Donor ExpensesMedical expenses of organ donorCovered
Modern TreatmentsRobotic surgery, stem cell, etc.No Sub-limits
Mental HealthIn-patient psychiatric treatmentCovered
AYUSH TreatmentsAt recognised AYUSH hospitalsCovered
Maternity ExpensesAfter 2-year waiting period2-yr Wait
New-born CoverFrom birth, linked to maternity cover2-yr Wait
Critical Illness Cover32 illnesses covered as built-in benefitCovered
No Claim BonusUp to 100% of base sum insuredUp to 100%
Restoration Benefit100% restoration once per policy yearCovered
Pre-existing DiseasesAfter 3-year waiting period3-yr Wait
Cosmetic SurgeryUnless due to an accidentNot Covered
Dental TreatmentUnless requiring hospitalisationExcluded

Who Should Buy Care Supreme?

This plan is best suited for the following profiles

Young Families Planning Expansion

With maternity cover after 2 years and new-born cover, couples planning children in the next few years benefit greatly from buying early.

Families Seeking Maximum Coverage

The ₹6 Crore maximum cover is among the highest available, making it ideal for families who want long-term financial protection against catastrophic illness.

Urban Professionals with Premium Preferences

No room rent limit means you can be admitted to private suite rooms in top hospitals without worrying about proportionate deductions.

Holistic Health Seekers

Those who use AYUSH treatments alongside conventional medicine will find comprehensive cover across both systems, along with mental health cover.

Pros and Cons

An honest assessment of Care Supreme

Advantages

  • Highest maximum cover at ₹6 Crore in its segment
  • Largest network of 19,000+ hospitals across India
  • 95.2% claim settlement ratio - among the best in industry
  • No room rent or ICU charge sub-limits
  • Critical illness covered as a built-in feature, not a rider
  • No sub-limits on modern and advanced treatments
  • AYUSH and mental health coverage included
  • Free annual health check-up every year
  • 100% restoration benefit included

Disadvantages

  • Maternity cover has a 2-year waiting period
  • Pre-existing disease waiting period is 3 years
  • OPD cover requires purchase of a separate rider
  • Premium can increase with age and at renewal
  • Some specific exclusions apply to cosmetic and dental treatments

Frequently Asked Questions

Common queries about Care Supreme health insurance

Care Supreme offers a maximum sum insured of ₹6 Crore, making it one of the highest coverage options available in India. This makes it suitable for families seeking comprehensive long-term protection against rising medical costs.
No. Care Supreme has no room rent sub-limit whatsoever. You can choose any room category including a single private AC room or a suite without any proportionate deduction on related medical expenses such as doctor fees, nursing charges, or surgical fees.
The waiting period for pre-existing diseases under Care Supreme is 3 years (36 months) of continuous coverage. After this period, all declared pre-existing conditions such as diabetes, hypertension, or thyroid disorders are fully covered without any additional premium.
Yes, Care Supreme covers maternity expenses but with a 2-year waiting period. After completing 2 years of continuous policy, maternity hospitalisation, pre and post-natal expenses, and new-born baby cover from birth are included. This is why buying early is strongly recommended for couples planning a family.

Not sure if Care Supreme is right for you?

Our IRDAI-licensed advisors compare all plans and help you choose based on your actual health needs and budget - completely free of charge.

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Compare with Other Plans

See how Care Supreme stacks up against other top health insurance plans