Let’s Know The Plan Better!
Care Supreme is a comprehensive health insurance policy offered by Care Health Insurance. It offers flexible coverage and various benefits, ensuring you and your loved ones can access necessary medical care without the stress of unexpected expenses. In addition to its core features, the product also offers a range of benefits in the form of add-ons to ensure a worthwhile health insurance journey.
Are You Eligible?
Minimum Entry Age
- Adults: 18 years
- Dependent Children: 90 days
Maximum Entry Age
- Adults: No restrictions
- Dependent Children: 24 years
An Overview Of The Plan’s Benefits & Limits
The plan includes coverage for expenses related to inpatient hospitalisation. This includes the costs incurred during your stay in a hospital for more than 24 hours such as room and board charges, nursing fees, medical practitioner’s fees, the cost of prescribed medications and drugs, ICU charges, and any other relevant expenses.
Besides that, here is a list of other expenses that are covered in Care Supreme Plan –
- Pre & Post Hospitalisation Expenses You may need to undergo several tests before or after your admission to the hospital. In all such cases, Care Supreme ensures that you receive the necessary coverage. It will cover these expenses up to the sum insured for a reasonable duration – 60 days prior to your hospitalisation and 180 days following your discharge. It’s important to note that the insurer will only cover these costs if they are directly related to the medical condition that led to your hospitalisation and if your claim is approved as part of your inpatient hospitalisation coverage.
- Daycare Treatment Coverage Daycare treatments are procedures that once required lengthy hospital stays, but can now be completed within 24 hours, thanks to the technological progress in healthcare. With the Care Supreme Plan, all necessary daycare procedures are covered up to the sum insured without any limit.
- Domiciliary Treatment Coverage Domiciliary Treatments are medical procedures for illnesses or injuries that require immediate attention in a hospital but are carried out in the comfort of your own home in case the severity of your condition prevents you from moving to the hospital or if there are no hospital beds available nearby. The Care Supreme Plan offers coverage for the expenses associated with domiciliary treatment up to the sum insured. The coverage is subject to the terms and conditions of the policy.
- Organ Donor Coverage The Care Supreme Plan also provides coverage for organ donor expenses. This covers the costs associated with harvesting the organ from the donor in the event of organ transplantation (where, you, the insured are the recipient) up to the sum insured chosen under your policy.
- Modern Treatment Coverage The healthcare industry is undergoing a rapid transformation due to advancements in technology. This has made previously unimaginable modern treatments or advanced technological methods a reality. The Care Supreme Plan is specifically designed to keep up with these advancements and provides coverage for these cutting-edge treatments, up to the sum insured.
- Room Rent Limit The room rent limit refers to the maximum amount that your insurance company will cover for the room you opt for during your hospital stay. By selecting a room that falls within this limit, you won’t have to bear any expenses yourself. However, if you opt for a room beyond your eligibility, a proportionate deduction will apply. In such cases, you will be responsible for paying a proportionate share of the total bill, rather than just the difference in room rent. With the Care Supreme Plan, you have complete freedom to select the room of your choice, be it a shared room, single room, suite, or any other available option – without any restrictions.
- Cumulative Bonus With Care Supreme you can receive a bonus of 50% of the sum insured, which can go up to a maximum of 100% of the sum insured. This bonus is a reward for your staying in good health and not making any claims during the policy year. In case you make a claim under the plan, you can be assured that the accumulated bonus will not be reduced.
- Unlimited Automatic Recharge The Unlimited Automatic Recharge Benefit is a fantastic feature that ensures your sum insured is replenished unlimited times in a policy year when it gets depleted. This benefit is activated when you have fully utilised your base sum insured and any bonus. The best part is that it can be used for both related and unrelated illnesses throughout the policy year. Please note that specific terms and conditions apply to this coverage.
- Non-Medical Expenses The Care Supreme Plan covers non-medical expenses such as gloves, gauze, bandages, nebulization kits, oxygen masks, and other treatment necessities. These consumables can add up to a significant amount. With the Care Supreme Plan, you can have peace of mind as it offers coverage for these expenses up to the sum insured – if you opt for an add-on.
