Care Supreme Plan: No Upper Age Limit

What is Care Supreme Plan?

The Care health care supreme plan is a policy like no other policy, it provides financial protection and reduces all medical expenses. It saves you from all future financial losses arising due to disease & accidents. It offers a lot of benefits with a huge coverage starting from 5 lakh to 15 lakh sum insured. The care supreme plan offers unique benefit which makes the plan different from other plans such as super NCB, unlimited e-consultation, home care treatment, consumable benefit, robotic surgery, modern treatment, etc. rather than this care supreme plan provides a lot of other coverage such as lifelong renewal, In-patient treatment, pre & post hospitalization, restore benefit, domiciliary treatment, day care treatment, road ambulance, air ambulance, etc. At present, the care supreme plan also covers COVID-19 after 15 days of policy purchase. You will get tax benefit u/s 80D and there is a free look period of 15 days to go through your policy and change your decision for a better understanding. Let’s take a closer look at this plan.

Care Supreme Health Insurance Plan Review

Network hospital – 7800+ network hospitals are covered under the care supreme health plan.
Claim settlement ratio – Care health insurance has currently a 98.25% claim settlement ratio.
Claim approval time – Care health insurance approves the claim within 2 hours of claim intimation.
Claim type – In care health insurance it settles the claim directly, there is no TPA [Third Party Administrator] in between the company and the customer.

Eligibility Criteria of Care Supreme Plan

There are some eligibility criteria in care supreme plan. Check the details as mentioned below:

Entry age	91 days to lifelong
Family size	Covered up to 4 member
Plan type	Individual/Family floater
Tenure	1 Year, 2 Year & 3 Year
Cashless hospitalization	All over India
Base sum insured	5lakh, 7lakh, 10lakh & 15lakh

Details of Care Supreme Plan

Features	Care Supreme Plan
In-patient treatment	Covered up to sum insured
Room rent	No limit
ICU charges	No limit
Pre-hospitalization	Covered up to 60 days
Post-hospitalization	Covered up to 180 days
Day care treatment	All day care treatment covered
Organ donor	Covered up to sum insured
Domiciliary hospitalization	Covered up to sum insured
Recharge benefit	Covered up to sum insured
Cumulative bonus	Same person same disease covered, no need to exhaust sum insured, multiple time restore
Cumulative bonus super	50% of base sum insured every year maximum up to 100%, never reduce
Robotic surgery	100% of base sum insured every year maximum up to 500%, never reduce
Modern treatment	Covered up to sum insured
Bariatric surgery	Covered up to sum insured
Ayush treatment	Covered up to sum insured

Care Supreme Plan Premium Calculation

The health insurance premium is an amount you need to pay to the insurer to keep your health insurance active. In return, the insurer is liable to pay for hospital bills and healthcare expenses which are incurred by you in case of a medical emergency. Health insurance premium depends on factors like age, location & family size. Let’s look at some examples of health insurance premiums as mentioned below:

Family Size	Sum Insured	Premium
Individual	500000	7,768
Self, spouse	500000	10,124
Self, spouse & 1 child	500000	12,716
Self, spouse & 2 child	500000	15,308
Senior citizens	500000	23,450

Unique Features of Care Supreme Plan

Unlimited restoration - In the care supreme plan the company provides 100% of the base sum insured from the same year unlimited times.
Robotic surgery - All robotic surgeries such as cholecystectomy, gastric bypass, mediastinal tumor, atrial septal defect repair, coronary artery bypass, etc. are covered up to the sum insured.
Modern treatment - All modern treatments such as oral chemotherapy, stem cell therapy, bronchial thermoplasty, genetic diseases or disorders, deep brain stimulation, etc. are covered up to sum insured.

Features of Care Supreme Plan

Lifelong renewal - Renew your cover lifelong and stay covered forever.
No sub-limit on room rent - With this health plan you can get the room you like and the treatment you deserve without a hassle.
No geography-based sub-limits - No matter where you buy your policy you can get treated in any city or hospital you like in the country with no additional co-pays or sub-limits.
Hospitalization expenses - Cover medical expenses incurred at the time of hospitalization that include room rent, ICU expenses, nursing expenses, surgeon’s fees road ambulance charges, anesthesia fees, blood, oxygen, etc.
Pre-hospitalization - The Care Supreme plan covers medical expenses for 60 days of pre-hospitalization. It covers tests, medicine purchases, and other medical expenses that have been incurred before hospitalization.
Post-hospitalization - The care Supreme plan covers medical expenses for 180 days post-hospitalization. It covers tests, medicine purchases, and other medical expenses that have been incurred after discharge.
Daycare treatment - Day-care treatments are those surgery that take hospitalization less than 24 hours like stones, cataracts, dialysis, chemotherapy, radiotherapy etc.
Organ donor expenses - The company will indemnify the medical expenses incurred for a living organ donor’s treatment as an Inpatient for the harvesting of the organ donated.
Domiciliary hospitalization – Secure all medical expenses during domiciliary hospitalization.
Recharge benefit - With the recharge benefit of the Care Health Care Supreme plan if any claim, partial or totally is made during the policy period then 100% sum insured will be restored automatically multiple time without any additional cost.
Cumulative bonus - Under cumulative benefit your sum insured will be increased by 50% of base sum insured maximum up to 100% in a claim-free year. It will never reduce whether you take a claim or not. It will be your fixed bonus.
Ayush treatment - Care Supreme plan covers in-patient hospitalization expenses even for alternate treatments method. Ayurveda, yoga, naturopathy, Unani, Siddha, and homeopathy.
Road ambulance - Care Supreme plan covers road ambulances up to INR 10000 for sum insured 15lakh and below 15lakh sum insured and above 15lakh sum insured road ambulances covered up to the sum insured.
Emergency Air ambulance - Care Supreme plan covers air ambulance expenses maximum of up to INR 5lakh
Unlimited e-consultation - Get unlimited e-consultation within our network.
Wellness services – Under the wellness benefit the company provides a renewal discount every year up to 30% for staying fit and completing 10000 steps every day rather than a renewal discount you can access digital fitness coaching, Artificial intelligence fitness coaching, and nutritionist/wellness coach.
Tax benefits - You can avail of tax benefits for the premium amount under section 80D of the income tax act.
Free look period - Get a 15-day free look period to understand and change your decision.

Discounts Under Care Supreme Plan

Wellness discount – Every day complete 10000 steps and get a renewal discount of up to 30%.
Lifelong discount – Pay a 2-year premium and get 4% discount and pay a 3-year premium get 6% discount.

Add On Covers of Care Supreme Plan

Cumulative bonus super - Under cumulative bonus super your sum insured will be increased by 100% of the base sum insured maximum up to 500% in a claim-free year. It will never reduce whether you take a claim or not. It will be your fixed bonus.
Annual health check-up - Get preventive health check-ups every year.
Claim shield - Non-payable items are covered.
Instant cover – By choosing this option the company will waive the waiting period for pre-existing diseases.
PED wait period modification – There is a waiting period of 4 years on pre-existing diseases but you can reduce the waiting period by choosing this option.

Waiting Period of Care Supreme Plan

Cover from day 1 - Only accidental.
Cover after 30 days - Dengue, malaria, fever, jaundice, typhoid, etc.
Cover after 2 years - Stone, hernia, piles, ulcer, fistula, gallbladder, hip & joint replacement, tonsils, ENT surgery, Gyno surgery, etc.
Cover after 4 years – Pre-existing disease such as hypertension, thyroid, asthma, diabetes, etc.

Exclusions of Care Supreme Plan

Conflict & disaster - Treatment for any injury or illness resulting directly or indirectly from nuclear, radiological emissions, war or war-like situations, or rebellion.
Breach of law - The company does not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting a breach of law with criminal intent.
Treatment for alcoholism & drug abuse - Treatment for alcoholism, drug or substance abuse or any addictive condition and consequence thereof remain uncovered.
Congenital external disease, defects, or anomalies - The company does not cover medical expenses incurred for congenital external disease defects or anomalies.
Maternity expenses - Pregnancy, dental treatment, external aids, and appliances.
Investigation & evaluation - Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded. Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
Unproven treatments - Expenses related to any unproven treatment, services, and supplies for or in connection with any treatment. Unproven treatments are procedures or supplies that lack significant medical documentation to support their electiveness.
Unrecognized physician or hospital - Treatment or medical advice provided by a medical practitioner not recognized by the medical council of India or by the central council of Indian Medicine or by the central council of Homeopathy.
Costs that are not reasonable and customary and treatments that are not medically necessary.

Renewal Process of Care Supreme Plan

Life-long renewal - Get a life-long renewal, regardless of your health status or previous claims made under your policy.
Sum insured enhancement - To protect yourself from rising medical expenses, you can enhance your sum insured or add more members of your family to your existing policy at the time of renewal.
Portability and migration - You can port or migrate your policy at the time of renewal. Please reach out to us for any queries regarding migration and portability.

How to File a Claim under Care Supreme Plan

You can file a claim in the care supreme plan in two ways as mentioned below:

1. Cashless Claim

Intimation – Fill up the pre-authorization form at the network hospital for cashless approval.
Approval/ rejection – Once the hospital intimates the company, the company sends you the status update.
Hospitalization – Hospitalization can be done on the basis of pre-authorization approval.
Claim settlement – At the time of discharge, the company will settle the claim directly with the hospital.

2. Reimbursement

Hospitalization – You need to pay the bills initially and preserve the original invoices.
Register your claim – Post-hospital discharge send to the company all your invoices and documents.
Verification – The company verifies your claim-related invoices and treatment documents.
Claim settlement – The company sends the approved amount to your bank account.

FAQ

How does Care Health Insurance (Formerly Religare Health Insurance) work?

Every individual is at risk of suffering from a variety of health-related issues. When injured or ill, people without health insurance pay hefty amounts out of their own pockets for medical bills. In the event of a medical emergency, an uninsured person can exhaust his savings. A person might also have to borrow funds for medical treatment in such a scenario if they do not have sufficient savings. A Care Health Insurance (Formerly known as Religare Health Insurance) Policy can be of great assistance in such a situation. With Care Health Insurance (formerly known as Religare Health Insurance), you are protected from unforeseen medical contingencies and financial urgencies. The cost of private medical treatment for curable illnesses and injuries is covered by health insurance. With medical expenses skyrocketing and the uncertain environment today, Care Health Insurance (formerly Religare Health Insurance) is a necessary measure. Your financial plan should include a health insurance policy for you and your family.

Care Health Insurance (Formerly known as Religare Health Insurance) co-payments?

A co-payment option becomes available once an insured member turns a certain age. You will have to pay a co-pay when you file a claim. It is possible for the co-pay to be a percentage of the sum insured or an absolute amount.

Is there a benefit to buying Care Health Insurance (Formerly known as Religare Health Insurance) at a young age?

Buying Care Health Insurance (Formerly known as Religare Health Insurance) early has the following benefits: Depending on the policyholder's age, Care Health Insurance (Formerly Religare Health Insurance) premiums increase. In other words, the older you are, the higher your health insurance premiums will be. Previously known as Religare Health Insurance, Care Health Insurance covers medical issues that may arise over time. The health insurance policy will not be halted, however. In addition, each claim-free year under Care Health Insurance (Formerly known as Religare Health Insurance) plan earns you a significant discount on your next premium. Additionally, it might increase the sum insured under the policy, which may benefit the policyholder. Last but not least, Care Health Insurance (Formerly known as Religare Health Insurance) premiums are deductible under section 80 C of the Income Tax Act, 1961.

Care Health Family Floater Plan - what does it mean?

The plan covers you, your dependent children, your spouse, and your parents, which is less than one plan, and the premium is also paid only once. The sum assured limit limits the number of claims you can make.

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