Overview
Care Supreme is a flexible, all-round health insurance plan built for Indian families who want strong core coverage with room to personalise. It covers hospitalisation, day care, advanced treatments, pre- and post-hospitalisation, AYUSH, organ donor expenses, and unlimited e-consultations, starting from a ₹5 lakh sum insured going up to ₹1 crore. You can customise further with add-ons like air ambulance, and even wellness-linked premium discounts. With both in-patient and some OPD benefits via riders, it’s a smart pick for those wanting dependable, long-term protection that adapts to changing health needs without being overly complex.
Experts Review
Written by Nikhil Nair
Senior Writer
Care Supreme is a strong pick if you’re looking for wide coverage with flexible options to customise. It stands out by offering no room rent capping and unlimited sum insured restoration as part of the core plan—huge pluses for anyone worried about repeated or extended hospital stays. You’re also covered for modern treatments, AYUSH, day care, domiciliary care, organ donor expenses, and unlimited e-consultations. Pre- and post-hospitalisation benefits are solid at 60 and 180 days respectively.
Add-ons offer meaningful upgrades. You can reduce the 3-year waiting period for pre-existing diseases to 1 or 2 years, or even down to 30 days for lifestyle conditions like diabetes, hypertension, and asthma. Riders like “Unlimited Care” allow lifetime cover for a major claim, and “Claim Shield” includes consumables—something most plans exclude. The “Cumulative Bonus Booster” keeps enhancing your cover indefinitely, and the wellness discount (up to 30%) rewards you for walking 10,000 steps daily. There’s also BeFit for unlimited gym access and OPD care for doctor consultations.
The catch? Maternity cover isn’t included, even as an add-on. Dental and OPD meds are only available if you opt for extras, and wellness discounts require consistent app tracking. Also, some add-ons are mandatory depending on your age and location, and once removed, can't be added back.
Pros
Offers a wide range of features.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Your insurer doesn’t provide free health check-ups, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature. Need to opt add-on for doctor consultations.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
Room Rent
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Disease sub-limit
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.
Customisable
For Hypertension, Diabetes, Cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Customisable
For Hypertension, Diabetes, Cholesterol, Asthma, Obesity, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 30 days.
Pre/Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.
Add-ons
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.
Instant Cover
Recommended
For Hypertension, Diabetes, Cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Cumulative Bonus Super
Recommended
Additional bonus of 100% up to a maximum of 500%, irrespective of any claim in the previous year.
Care OPD
Recommended
Total 8 doctor consultations with 4 from General Physicians capped at ₹500 and 4 from Specified Specialists capped at ₹500.
Claim Shield
Recommended
Covers list of 68 non-medical items as per list I
BeFit
Recommended
Get unlimited visit access to empaneled Fitness centres/Gyms.
Instant Cover Plus
Recommended
For Hypertension, Diabetes, Cholesterol, Asthma, Obesity, Chronic Obstructive Pulmonary Disease (COPD), Obesity or Coronary Artery Disease (PTCA done prior to 1 yr): Pre existing disease waiting period is reduced from 3 years to 30 days.
Cumulative Bonus Booster
Recommended
Additional bonus of 100% up to infinity, irrespective of any claim in the previous year.
Wellness Benefits
Recommended
Up to a 30% discount on renewal premiums for maintaining a healthy lifestyle
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless or reimbursement basis.
Claim Shield Plus
Covers non-medical items as per list I, II, III & IV
Air Ambulance
You can avail an air ambulance in the event of an emergency up to Rs. 5 Lakhs per policy year.
Unlimited Care
Unlimited coverage (without any upper cap) for one claim during the Policy lifetime.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
Hormone replacement therapy
Mental retardness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 1 and 2 years for all diseases and to 30 days for certain diseases.
What's missing in the policy
Your insurer doesn’t provide free health check-ups.
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
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Frequently Asked Questions
Does Care Supreme have waiting periods?
- 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Care Supreme have room rent restrictions?
Does Care Supreme offer a restoration benefit?
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