Care Supreme Global combines Care Supreme’s India coverage with optional international coverage through Protect Plus. However, overseas benefits depend on the sum insured and geography.
Key Features of Care Supreme Global
Worldwide Health Coverage: Choose coverage worldwide excluding India, or worldwide excluding India, the United States, and Canada. If your sum insured is between ₹25 lakh and ₹1 crore, it covers planned hospitalization abroad, while policies with a SI of ₹2 crore to ₹6 crore also cover emergencies.
Cumulative Bonus Add-Ons: Both Super and Booster increase the base sum insured by 100% annually, with Super capped at 500% and Booster offering unlimited accumulation.
No Room Rent Capping: Eligible hospitalization under the base plan in India has no standard room rent or ICU restrictions.
Unlimited Automatic Recharge: The base Care Supreme policy restores coverage for subsequent hospitalizations in India. This benefit does not apply to overseas claims.
E-Consultations: Policyholders receive unlimited online consultations with general physicians under Care Supreme.
What if you have health insurance in India but need medical treatment abroad? Your regular policy might not cover the expenses, leaving you to pay potentially huge hospital bills out of pocket.
That's where Care Supreme Global comes in. It offers the benefits of Care Supreme, along with an optional add-on that covers eligible medical treatments outside India.
Sounds like a great option, right? Well, there's a catch. International coverage comes with certain restrictions, and the benefits depend on the sum insured you choose.
In this guide, we'll break down Care Supreme Global's features, eligibility, premiums, and pros and cons to help you decide whether it's worth considering.
Not sure if Care Supreme Global is right for you? Book a free call or chat on WhatsApp with a Ditto advisor to understand your coverage options.
The Global Coverage benefit is not available to Non-Resident Indians (NRIs), Overseas Citizens of India (OCIs), Persons of Indian Origin (PIOs), foreign nationals, dual citizens, individuals working or studying abroad, or people staying outside India for more than 182 days. Merchant Navy personnel are also excluded. These restrictions apply specifically to the international coverage benefit.
Key Features and Riders of Care Supreme Global
Global Coverage Under the Protect Plus Add-On
The Protect Plus add-on extends coverage to eligible medical treatments abroad. You can choose worldwide coverage excluding India or worldwide coverage excluding India, the USA, and Canada.
Moreover, the benefits vary depending on your chosen sum insured, particularly for planned and emergency hospitalization.
Benefit
Option 1
Option 2
Sum Insured Options
₹25 Lakh, ₹50 Lakh, & ₹1 Crore SI
₹2 Crore, ₹3 Crore, & ₹6 Crore SI
Hospitalization
Planned hospitalization only
Planned and emergency hospitalization
Room Rent & ICU
No standard limit
No standard limit
Modern Treatments
Covered up to 10% of SI
Covered up to SI
Pre- and Post-Hospitalization
30 and 60 days
60 and 120 days
Organ Donor
Not covered
Covered up to SI
Ambulance Cover
Road ambulance covered up to SI. Air ambulance not covered.
Both road and air ambulance covered up to SI
Repatriation of Mortal Remains
Not covered
Covered up to ₹5 lakh
Compassionate Visit
Not covered
Covered up to SI, subject to at least 5 days of hospitalization
Note
The international sum insured is part of your base policy coverage, not an additional amount. Also, cumulative bonuses and unlimited automatic recharge do not apply to overseas claims.
Key Features of Care Supreme (Coverage in India)
In addition to international coverage, the policy includes the standard benefits of Care Supreme for eligible medical treatment in India.
Features
Details
Room Rent & ICU
All room categories covered up to the sum insured
Co-Payment and Disease-Wise Sub-Limits
No standard co-payment or disease-wise sub-limits under the base policy.
Waiting Periods
30 days initially (except accidents), 24 months for specified illnesses, and 36 months for pre-existing diseases
Pre- and Post-Hospitalization
60 days before hospitalization and 180 days after discharge
Ambulance Cover
Road ambulance expenses covered up to SI
Domiciliary, AYUSH, Modern Treatments, and Day-Care Treatments
Covered up to SI, subject to policy terms
Unlimited Automatic Recharge (Restoration)
Restores the base sum insured unlimited times for eligible subsequent hospitalization claims, whether for related or unrelated illnesses
Cumulative Bonus
Base SI increases 50% every policy year, up to an additional 100%, irrespective of claims
Other Optional Riders and Add-Ons for Care Supreme
Apart from Protect Plus, Care Supreme offers several optional benefits that can enhance your coverage or provide additional medical benefits, subject to policy terms.
Cumulative Bonus Super: Increases your base sum insured by 100% every policy year, up to an additional 500%, even if you make a claim.
Cumulative Bonus Booster: Adds 100% of your base sum insured each year upon continuous renewal, with no maximum accumulation limit. For example, a ₹25 lakh base cover can accumulate an additional ₹25 lakh every year, subject to policy terms.
Note: You can choose either Cumulative Bonus Super or Cumulative Bonus Booster, not both.
Claim Shield+: Covers specified non-payable medical items, including certain consumables used during hospitalization, up to the sum insured.
Instant Cover Options: Reduces the waiting period for specified pre-existing conditions, including diabetes, hypertension, asthma, and high cholesterol, among others, to 30 days, subject to eligibility.
Annual Health Check-Up: Provides one health check-up every policy year through the insurer's specified healthcare network, subject to policy terms.
Wellness Benefit: Offers up to a 30% discount on renewal premiums based on physical activity. For example, recording at least 10,000 steps on 120 qualifying days earns a 10% discount, while 270 qualifying days can earn a 30% discount.
Care OPD: Covers a limited number of in-person consultations with general physicians and specialists, subject to consultation limits and applicable co-payments.
Talk to an expert today and find the right insurance for you.
Sample Premiums by Age and Sum Insured
Profiles
₹25 Lakh SI
₹50 Lakh SI
₹1 Crore SI
₹2 Crore SI
(Individual Plan): Age 25
₹21,447
₹24,644
₹30,988
₹39,587
(Family Floater, 2A): Ages (31, 32)
₹32,365
₹38,224
₹48,074
₹61,478
(Family Floater, 2A 1C): Ages (35, 34, 5)
₹41,407
₹48,984
₹61,735
₹80,702
(Family Floater, 2A): Ages (62, 63)
₹1,49,526
₹1,78,414
₹2,25,575
₹3,36,729
Note: Here, A stands for adult and C for child. These are indicative premiums for a Delhi resident (PIN code: 110010) for ₹25 lakh, ₹50 lakh, ₹1 crore, and ₹2 crore cover and include recommended add-ons and discounts. Your premium can change based on age, city, medical history, plan variant, added discounts, and chosen add-ons.
Care Health: Performance Metrics
When evaluating Care Health insurance reviews, look beyond the plan’s features and consider the insurer's overall performance.
Care Supreme Global offers overseas treatment coverage through the optional Protect Plus add-on.
02
Coverage for Planned and Emergency Hospitalization Abroad
The ₹2 crore, ₹3 crore, and ₹6 crore sum insured options cover eligible planned and emergency hospitalization overseas, protecting against unexpected medical emergencies during international travel.
03
No Standard Room Rent, Co-Payment, or Disease-Wise Limits
International coverage has no standard room rent or ICU limits, mandatory co-payment, or disease-wise sub-limits, reducing potential out-of-pocket expenses, subject to policy terms.
04
Comprehensive Domestic Coverage
The plan offers unlimited automatic recharge, cumulative bonus benefits, and no standard mandatory co-payment or disease-wise sub-limits for eligible treatment in India.
Cons of Care Supreme Global
Limited Eligibility for International Coverage: The Protect Plus benefit excludes NRIs, OCIs, PIOs, foreign nationals, dual citizens, individuals working or studying abroad, and those staying outside India for more than 182 days, limiting its suitability for people living overseas.
Restrictions Under Lower Coverage Options: The ₹25 lakh, ₹50 lakh, and ₹1 crore options cover only planned hospitalization abroad and exclude medical emergencies. They also exclude organ donor expenses, air ambulance, repatriation of mortal remains, and compassionate visits, while limiting advanced technology treatments to 10% of the sum insured.
No Unlimited Restoration for International Claims: Although Care Supreme offers unlimited automatic recharge and bonus for eligible domestic claims, these benefits do not apply to overseas treatment, which remains subject to Protect Plus coverage limits.
High Complaint Volume: Care Health recorded an average of 42.67 complaints per 10,000 claims between FY 2024–26, above the industry average of 29.35, raising some concerns about the insurer's overall service experience.
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Conclusion
Care Supreme Global is worth considering if you want health insurance coverage in India along with protection for eligible medical treatment abroad. However, it's important to understand that the regular Care Supreme plan provides the base benefits for treatment in India, while international coverage is available separately through the optional Protect Plus add-on.
While the higher sum insured options cover planned and emergency hospitalization abroad, the lower options cover only planned treatment. Restricted eligibility, additional premiums, and the absence of unlimited restoration for overseas claims are also important drawbacks.
Ditto's Take: Consider Care Supreme Global if international medical coverage is a priority. Before purchasing, compare the additional premium with the benefits offered and carefully review the geographical restrictions, hospitalization coverage, sum insured limits, and exclusions. If you primarily need coverage in India, the regular Care Supreme plan may be sufficient without paying extra for Protect Plus.
Frequently Asked Questions
Does Care Supreme Global cover planned treatment abroad or only medical emergencies?
Care Supreme Global covers both planned treatment and medical emergencies abroad, depending on your chosen sum insured. The ₹25 lakh, ₹50 lakh, and ₹1 crore options cover only planned hospitalization, with the diagnosis required to take place in India. However, the ₹2 crore, ₹3 crore, and ₹6 crore options cover both planned and emergency hospitalization overseas. All treatments remain subject to the selected geographical coverage, applicable waiting periods, exclusions, and policy conditions.
Can I get treatment in India under Care Supreme Global if I live abroad?
The underlying Care Supreme policy covers eligible hospitalization in India, subject to its terms and conditions. However, the international Protect Plus benefit is not available to NRIs, foreign nationals, or individuals living or working abroad. If you relocate overseas after purchasing the policy, you must confirm the continued validity of your domestic coverage and international add-on separately with Care Health. Living abroad does not automatically make you eligible for overseas claims.
Are there any restrictions on the duration of my stay abroad under Care Supreme Global?
Yes. Care Supreme Global's international coverage is not available to individuals staying outside India for more than 182 days. The restriction also applies to NRIs and people working or studying abroad, regardless of their travel purpose. The insurer does not clearly specify whether the 182-day limit applies to a single trip or cumulative stays. Therefore, get written confirmation from Care Health before traveling, especially if you plan to spend extended periods overseas.
Can I claim overseas medical expenses in a foreign currency under Care Supreme Global?
Yes. You can submit eligible overseas medical expenses incurred in a foreign currency through the prescribed claim process. However, reimbursement claims are calculated and paid in Indian rupees. Care Health uses the Reserve Bank of India's exchange rate applicable on the date of loss, or the next published rate if unavailable. Keep original hospital bills, payment receipts, and medical records.
Does Care Supreme Global cover medical conditions diagnosed while living overseas?
Coverage depends on the type of hospitalization and your eligibility. Under the ₹25 lakh, ₹50 lakh, and ₹1 crore options, planned overseas treatment requires a diagnosis made in India. Higher sum insured options also cover eligible emergency hospitalization arising from an illness diagnosed while traveling abroad. However, the Global Coverage benefit excludes individuals living or working overseas. Pre-existing disease waiting periods, medical disclosures, and other policy exclusions also apply.
Can I renew Care Supreme Global if I move to another country?
Renewal of the underlying Care Supreme policy is governed by its policy terms. However, relocating overseas can affect eligibility for the Protect Plus Global Coverage benefit, particularly if you become an NRI, start working abroad, or exceed the permitted overseas stay. Inform the insurer about your change in residence and obtain written confirmation of both domestic coverage and add-on renewal eligibility.
Does Care Supreme Global cover follow-up treatment after returning to India?
Yes. The Protect Plus add-on covers eligible post-hospitalization medical expenses incurred in India following an approved hospitalization abroad. The expenses must relate to the same illness or injury for which the overseas hospitalization claim was accepted. Coverage extends to 60 days under the ₹25 lakh to ₹1 crore options and 120 days under the ₹2 crore to ₹6 crore options. These expenses are reimbursed subject to the applicable sum insured and policy conditions.
What is the difference between Care Supreme Global and travel insurance?
Care Supreme Global is a global health insurance plan covering eligible hospitalization in India and abroad, including planned treatments and emergencies under higher coverage tiers. Travel insurance covers medical emergencies during trips and travel-related risks like flight delays, cancellations, and lost baggage. While Care Supreme Global provides health insurance with global coverage, it does not replace comprehensive travel insurance.
What is the Care Health Insurance claim settlement ratio?
The Care Health Insurance claim settlement ratio averaged 95.45% between FY 2024–26, compared to the industry average of 92.02%. This indicates a strong claim settlement record. However, the insurer also recorded 42.67 complaints per 10,000 claims, exceeding the industry average of 29.35. These figures reflect Care Health's overall performance, not Care Supreme Global specifically. You should also consider the plan's co-payments, disease-wise sub-limits, and exclusions before purchasing it.
How can I contact Care Health Insurance customer care?
You can contact Care Health Insurance customer care at 1800-102-4488 for policy servicing and claim-related queries or reach them via WhatsApp at 8860402452. You can also email customerfirst@careinsurance.com or use the insurer's website, mobile app, or self-help portal to track claims, manage policies, and submit requests. For new policy inquiries, call 1800-102-4499. Visit the official Care Health contact page for further assistance.
