Overview
Care Health Insurance is one of India’s established standalone health insurers, with strong claim settlement metrics and a wide range of customizable health insurance plans.
But when you’re considering a policy, one of the biggest questions is simple. How much will it cost? That’s where the Care Supreme Health Insurance Premium Chart helps.
In this guide, we’ll explain how the premium chart works, what factors affect your premium, and how you can use it to estimate the cost of a Care Supreme policy for yourself or your family.
What Is the Care Supreme Health Insurance Premium Chart?
The Care Supreme Health Insurance Premium Chart is a rate document published by Care Health Insurance that shows how the policy’s premiums vary based on age bands, sum insured options, number of members covered, and geographic zones.
While many insurers provide downloadable PDF rate charts, Care typically publishes its premium charts directly on its website in an easily readable format.
These charts are filed with IRDAI as part of product approval and help customers compare costs before purchase. Care Supreme is known for comprehensive coverage at affordable premiums, supported by a 95.44% average claim settlement ratio from FY 2022 to 2025.
What the Care Supreme Health Insurance Premium Chart Shows
Premiums by Age Group
Premiums increase with age because the likelihood of hospitalization rises over time. The Care Supreme premium chart groups customers into age bands, helping buyers see how premiums differ between younger applicants, middle-aged individuals, and senior citizens before choosing a policy.
Premiums by Sum Insured Options
A higher sum insured generally comes with a higher premium because the insurer is providing a larger amount of coverage. However, the premium does not increase in the same proportion as the sum insured. The Care Supreme chart lets you compare premiums across options such as ₹5 lakh, ₹10 lakh, ₹15 lakh, ₹25 lakh, and higher coverage amounts.
Family Floater vs. Individual Premiums
The chart also shows separate rates for individual and family floater policies. Under a family floater, one sum insured is shared among the covered family members. Care publishes separate premium tables for different family compositions, including 1 adult, 1 adult and 1 child, 1 adult and 2 children, 2 adults, 2 adults and 1 child, and 2 adults and 2 children. This makes it easier to compare premiums based on your household structure and choose a suitable policy format.
Premium Differences by Geographical Zones
Care Supreme premiums also vary based on the geographical zone in which you live. The current rate chart divides locations into seven pricing zones. For instance, Delhi NCR falls under Zone 1, Mumbai MMR under Zone 2, Dehradun under Zone 5, and Chennai under Zone 6. The premium applicable to the same age, family composition, and sum insured can therefore differ depending on your location.
Note: If you change your place of residence, inform the insurer and update your address. If the new location falls under a different pricing zone, the premium applicable at renewal may also differ.
How to Download the Care Supreme Health Insurance Premium Chart?
Unlike some insurers that provide downloadable rate charts, Care Health Insurance does not offer a Care Supreme Health Insurance Premium Chart PDF for download. Instead, it publishes the rate chart directly on its official website.
Care also publishes separate premium charts for some of its other health insurance plans. Make sure you refer to the chart for the exact plan you are considering, since pricing differs across products.
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How to Calculate the Care Supreme Premiums Online?
- Go to Care’s official website.
- Click on ‘Our Plans.’
- Select ‘Care Supreme’ from the ‘Popular Plans’ section, or simply go to this Care Supreme page.
- Enter the relevant details like phone number, age, name, sum insured, location, plan type, preferred riders, etc.
- The page that pops up will display your premium quote.
Care Supreme Health Insurance Sample Premiums
The official Care Supreme rate chart shows the base premium for different ages, family compositions, sum insured options, and geographical zones. However, the amount you actually pay can be higher once you add optional benefits that improve the policy’s coverage.
Care Supreme currently divides India into seven premium zones. For simplicity, the table below shows premiums for tiers 1, 2, and 3.
Note: A stands for adult, and C denotes child. The premiums shown are sample premiums for a ₹15 lakh Care Supreme policy with our recommended add-ons, across Zones 1, 2, and 3 as defined in Care’s current rate chart. Actual premiums may vary based on age, location, family composition, medical history, selected benefits, applicable discounts, and underwriting terms.
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Conclusion
The Care Supreme Health Insurance Premium Chart helps you quickly understand how premiums change based on age, coverage amount, and family size before buying a policy. Since premiums are a key factor in choosing health insurance, reviewing the chart in advance makes comparison and planning much easier, ensuring you pick coverage that suits both your healthcare needs and budget.
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