Care Supreme Health Insurance, offered by Care Health Insurance, provides unlimited restoration benefit, wide pre- and post-hospitalization cover (60-180 days), and coverage for AYUSH, domiciliary, and modern treatments up to the full sum insured. With flexible add-ons like Claim Shield, Instant Cover, and Cumulative Bonus Super, you can also customize your protection. If you want an affordable, all-round policy with high flexibility and minimal restrictions, Care Supreme remains one of the best options in 2025.
Introduction
With so many health insurance plans in the market, it is easy to feel confused about which one is the right fit for you. Among the many options, one that particularly stands out is Care Health Insurance’s Care Supreme plan. After closely analyzing the product brochure and policy documents, we’ve broken down everything, from key features to add-ons, that the plan offers. Let’s dive right in.
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Features of Care Supreme Health Insurance
What Are the Inclusions and Exclusions of Care Supreme?
Inclusions
In-patient hospitalization (room rent, ICU, nursing, medical expenses), Pre & post-hospitalization expenses, All daycare and modern treatments (up to SI), Domiciliary hospitalization, AYUSH treatments, Organ donor expenses, Ambulance coverage
Exclusions
Cosmetic or aesthetic treatments, Unproven or experimental therapy, Non-allopathic treatments (other than AYUSH), OPD consultations (unless OPD rider added), Self-inflicted injuries or substance abuse.
If you’d like to learn about Health Insurance Exclusions in more detail, you can check out our comprehensive guide on the same.
Add-ons Available with Care Supreme
The Care Supreme Plan comes with several optional add-ons (riders) that can significantly improve your base coverage:
1) Cumulative Bonus Super:
Boosts your coverage well beyond the standard cumulative bonus that comes with the plan.
- Adds an extra 100% bonus each year, up to 500% of your base sum insured. Works in addition to the default 50% p.a up to 100% bonus that the plan already includes.
- The bonus remains intact even if you make a claim.
- Mandatory for specific customer profiles (as per insurer guidelines).
- Example: A ₹10 lakh policy can grow to ₹60 lakh (₹10 lakh base + ₹50 lakh bonus) after five consecutive renewals.
2) Cumulative Bonus Booster:
- Provides an additional 100% bonus every renewal year, with no upper limit on the accumulation. Can go up to 1000/2000% as well with continuous renewals
- Ideal for those who prefer unlimited bonus accumulation instead of a capped benefit.
Ditto’s Take:
CBB can offer a higher benefit in terms of bonus accumulation compared to CBS, with no cap on the bonus. This is especially useful for customers who prefer unlimited coverage growth.
But cost is a consideration: CBB is sometimes cheaper than CBS, so it's worth checking the pricing for your profile. However, if CBS is compulsory for your profile, you won't have the option to choose CBB.
3) Claim Shield Plus:
Covers all consumables (as per lists I, II, III & IV of Annexure 1) that usually fall under “non-payable items.”
4) Instant Cover Plus(for select pre-existing diseases)
Reduces the waiting period to just 30 days for conditions such as Asthma, Chronic Obstructive Pulmonary Disease (COPD), Coronary Artery Disease, Diabetes, Hypertension, and Obesity.
5) Modification of PED Waiting Period:
Allows you to cut the PED waiting period from 3 years to 1 or 2 years, depending on the condition.
6) Be Fit Rider
Provides access to a healthier lifestyle by offering unlimited access to partner fitness centers for insured members aged 12 and above. You can easily book sessions through the insurer’s app, encouraging regular physical activity and wellness.
7) OPD Care
Provides coverage for outpatient consultations on a reimbursement basis.
- Total Limit: ₹4,000 per insured person per policy year
- Consultations covered include general physicians for up to 4 visits/year at ₹500 per visit, as well as specialists such as paediatricians, Diabetologists, and Gynaecologists, for up to 4 visits/year.
8) Annual Health Checkups
Ensures that every insured member stays proactive about their health. You can avail one cashless annual health check-up starting from the 31st day of policy inception, every policy year, at any of the insurer’s network facilities.
9) Wellness Benefit
Adults aged 18 years and above can earn a 30% renewal discount if they record 10,000+ steps per day in a policy year (tracked through compatible apps or devices). You’ll also get access to digital fitness coaching, AI-based fitness programs, and nutritionist support through the insurer’s wellness network.
10) Air Ambulance
Provides emergency air evacuation coverage up to ₹5 lakh per year. It covers transportation costs, either from the site of the medical emergency to the nearest hospital or between hospitals for advanced treatment.
Note: Wellness Benefit and Air Ambulance add-ons are mandatory for specific profiles as per company guidelines.
Discounts in Care Supreme from Care Health Insurance
Note: Discounts vary across channels and are subject to change. Always confirm with your insurer or agent before purchase.
Base Premium Comparison of Care Supreme
For this premium comparison, we’ve considered healthy profiles of non-smokers with no PEDs, living in a Tier 1 city like Delhi.
Note: Wellness Benefit and Air Ambulance are mandatory add-ons with Care Supreme and are also factored into the premium calculation. Along with the two, we’ve added additional riders such as Annual Health Check-Up, Care Claim Shield, and Cumulative Bonus Super.
Note: These premiums include a 5% digital discount on the total premium for the first purchase.
Care Supreme’s premiums are competitively priced according to the benefits the plan provides. For example, for an individual plan (age: 25, SI: ₹15L, without any optional add-ons), Aditya Birla Activ One MAX costs ₹10,149, and HDFC Optima Secure costs ₹14,060.
Who Should Buy Care Supreme Health Insurance?
- Individuals and families seeking affordable yet holistic coverage
- Those with pre-existing conditions wanting to reduce waiting periods
- Buyers who prefer customizable add-ons for OPD, consumables cover, and fitness
- Health-conscious individuals who want a plan that rewards activity
- Anyone wanting unlimited bonus accumulation and annual health checks
Ditto’s Note:
Although Care Health Insurance is our partner insurer and our internal experience with them has been broadly satisfactory, it does have a higher complaint volume as compared to its peers.
If you’d like to check out insurers with excellent metrics and comprehensive health insurance plans, you can consider opting for HDFC ERGO and Aditya Birla Health Insurance as well.
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Conclusion
Care Supreme Health Insurance stands out as a comprehensive and value-for-money plan, offering robust base coverage and multiple add-ons to fit modern healthcare needs. While the insurer’s claim service isn’t top-ranked, it’s comfortably within industry averages. Above all, Care Supreme is a reliable, competitive, and well-rounded choice in 2025.
Frequently Asked Questions
How many day care procedures are covered under the Care Supreme plan?
There’s no fixed list. The plan covers all procedures that fall within the daycare definition (i.e., those requiring less than 24 hours of hospitalization).
Which mental health expenses are covered under the Care Supreme plan?
Under the base plan, only hospitalization-related mental health treatments are covered. With the Care OPD Rider, you can claim up to 4 consultations per year with psychiatrists or neurologists.
Is Care Supreme a good plan?
Yes. Care Supreme is one of the most comprehensive and flexible health insurance plans in 2025.
What is Be Fit rider in care health insurance?
Be Fit rider is a wellness and preventive care benefit under Care Health Insurance. It offers insured members aged 12 years and above unlimited access to partner fitness centers. The same can be booked via their app. You can get unlimited visit access to empaneled Fitness centres/Gyms.
Who are the top 5 insurance companies?
Based on claim settlement ratio, customer service, and overall plan value, the top insurers in 2025 are typically: HDFC Ergo, Aditya Birla, Niva Bupa, Care Health, and Bajaj Health Insurance.
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