Care Supreme Comprehensive Review 2025

If you're trying to make sense of India’s overflowing health insurance market, Care Supreme by Care Health Insurance deserves a closer look. As a standalone health insurer (formerly Religare Health Insurance), Care has been focused solely on health since 2012, which means no distractions, just deep expertise in this one space. And it shows. With no room rent limits, zero co-payment, and some advantageous bonuses—like a 50% loyalty boost (upto 100%) to your sum insured every year (claim or no claim), and a Cumulative Bonus Super that can take your cover up to 5X—this plan quietly stacks up real value over time. Let’s get into the details.

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Overview

Quick Verdict on Care Supreme from Care

Care Supreme from Care Health Insurance is a power-packed health plan designed for people who want comprehensive coverage without hidden limits or nasty surprises. It has no room rent cap, no co-payment, and zero disease-wise sub-limits, making it ideal for stress-free hospital stays. The standout feature is its generous loyalty benefit: you get a 50% increase in your sum insured every year, regardless of claims, and with the Cumulative Bonus Super add-on, your coverage can grow up to 5X, turning a ₹10L base cover into ₹70L over time. It also offers useful add-ons like Instant Cover (reduces waiting periods for specific diseases to only 30 days) and Claim Shield (covers the cost of non-payable items like Gloves, PPE kits). While a reliable insurer backs the plan with decent claim performance, it does have a slightly higher complaint volume than some peers.. If you're looking for a future-proof, transparent plan that scales with your healthcare needs, Care Supreme is easily one of the most value-driven options in 2025

Care Supreme from Care Health Insurance

Before we dive into the details of the Care Supreme policy, let’s quickly get to know the insurer behind it — Care Health Insurance. 

Originally launched in 2012 as Religare Health Insurance, Care is a standalone health insurance company — meaning it deals exclusively with health insurance, not cars, not homes, just health. Over the years, it’s carved out a solid reputation for offering value-driven plans that balance affordability with wide-ranging benefits. Whether it's a basic hospitalization cover or a high-end comprehensive policy that includes OPD and Annual Health Check-ups, Care has something for everyone.

Today, the company serves crores of Indians and boasts an 11,400+ strong cashless hospital network across the country. The company is majority-owned by Religare Enterprises (which holds around 64%), and a mix of employees and institutional investors hold the remaining stake. There’s been some ongoing tussle over control between the current board and the Burman family, one of the largest shareholders in Religare. However, the Burman family (known for Dabur) has emerged victorious and is expected to take over fully soon. Despite this scuffle, policyholders' day-to-day experience remains unaffected.

In short, if you’re looking for a health-first insurer with years of focused experience, an expansive hospital network, and a relatively streamlined claims process, Care Health Insurance is one of the more reliable names in the market. 

Metrics of Care Health Insurance

Features Of Care Supreme From Care

Should You Buy Care Supreme from Care?

Care as a Health Insurer

Care Health Insurance is positioning itself as one of the market's more progressive and customer-friendly insurers. Over the past three years(2021-2024), it has maintained an average Claim Settlement Ratio (CSR) of 90%, matching the industry average and signaling reliability when paying claims. Its Incurred Claim Ratio (ICR) for 2021-2024 also sits at 59%, well within the ideal 50–80% range, showing a healthy balance between claims paid and collected premiums. However, its complaint volume from 2021-2024 averages 36 per 10,000 claims, notably higher than the industry average of 16, indicating that while claims are settled, there may be friction in service or communication.

What really sets Care apart, though, is its elimination of loading charges(for most profiles) — meaning you won’t be penalized with extra premiums just because you have a pre-existing disease or lifestyle habits like smoking. This move makes health insurance more inclusive and affordable, especially for individuals who’ve traditionally faced hurdles while buying a policy. With solid performance metrics and thoughtful reforms, Care Health Insurance continues to offer value through both product design and customer-first policies like Care Supreme.

In-Built Features:

Care Supreme

• CoverageThe plan offers wide-ranging coverage options, starting from ₹5 lakhs and going up to ₹1 crore. Whether you're looking for basic protection or high-value coverage, Care Supreme offers flexible choices to match different healthcare needs and budgets.
• CopaymentThis plan has no copayment, meaning the insurer covers 100% of the admissible claim amount. This is a major plus, especially for senior citizens or those expecting high medical bills, as you won’t have to share any part of the expense.
• Room Rent and ICU CoverageNo room rent restrictions exist, so you’re free to choose any hospital room, from standard to deluxe, without worrying about proportionate deductions. This ensures comfort and freedom of choice during hospitalization.
• Disease-Wise Sub-LimitsThe policy comes with zero disease-wise sub-limits, meaning treatments for conditions like cataracts, piles, hernias, etc., are covered fully up to the sum insured. This prevents surprise shortfalls in claims that typically come with capped payouts in many other plans.
• Waiting Periods Care Supreme comes with standard waiting periods:
• 30 days for all illnesses (except accidents),
• 2 years for specific conditions (like cataracts, joint replacements, etc.),
• 3 years for pre-existing diseases (PEDs). However, the PED waiting period can be reduced by opting for add-ons, which is useful if you want faster access to full benefits.
• Domiciliary HospitalizationThe plan covers domiciliary treatment up to the full sum insured, allowing you to get treated at home if a hospital stay isn’t feasible due to medical reasons or hospital bed unavailability—especially relevant for elderly care or emergencies.
• Daycare TreatmentsAll daycare procedures that don’t require 24-hour hospitalization—like cataract surgery, chemotherapy, and dialysis—are covered up to the sum insured. Modern healthcare's shift to shorter treatments keeps the policy in step with current medical trends.
• AYUSH CoverageCare Supreme covers AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homeopathy) up to the full sum insured. This is an excellent addition for anyone who relies on alternative or traditional forms of medicine.
• Pre- and Post-Hospitalization ExpensesThe plan covers 60 days of pre-hospitalization and 180 days of post-hospitalization expenses. This includes diagnostic tests, doctor consultations, and follow-up care advised by your treating doctor, ensuring you’re covered before admission and long after discharge.
• Loyalty Bonus BenefitWhether you make a claim or not, your base sum insured increases by 50% yearly simply for renewing your policy. This continues until the bonus equals 100% of your original sum insured. So, if you start with ₹10 lakhs, it becomes ₹15 lakhs in the first year and ₹20 lakhs in the second year — no conditions or claim restrictions attached.

Add-Ons/Riders

• Cumulative Bonus SuperWhile Care Supreme already offers a standard bonus after renewal, this add-on takes it to the next level. With Cumulative Bonus Super, your sum insured increases by 100% each year, up to 500% of your base sum insured — even if you make claims. So, a ₹10 lakh policy can grow to ₹70 lakh (₹10L base + ₹60L bonus) after 5 continuous renewals. It’s a smart way to future-proof your policy against rising medical costs. Do note, this add-on is mandatory for specific customer profiles as per the insurer’s underwriting rules.
• Claim ShieldHospital bills often include items like gloves, PPE kits, and syringes — expenses typically not covered under regular health insurance. The Claim Shield is a cost-effective add-on that takes care of this. It covers 68 non-payable items up to the sum insured, reducing your out-of-pocket spend by 10–15% on average. It’s especially useful if you're buying a mid-to-high coverage policy and want more comprehensive protection during hospitalization.
• Wellness BenefitThis rider incentivizes you for staying active. You can earn up to a 30% discount on renewal premiums by tracking your steps, specifically, how many days you walk 10,000+ steps in a policy year. The reward is calculated individually (or averaged in floater plans). It also includes perks like AI-based fitness coaching, nutritionist consultations, and access to wellness services for insured adults. This add-on is mandatory for specific customers based on company guidelines.
• Air AmbulanceThis add-on covers air ambulance costs up to ₹5 lakh per year in case of a medical emergency. It includes transfers from the accident site to the nearest hospital or from one hospital to another for better care. It’s ideal for those living in remote locations or anyone who wants a safety net for emergencies where ground transport isn’t enough. Like a few others, it’s mandatory for some profiles as per insurer rules.
• Be-Fit BenefitWith this add-on, insured members aged 12 years and above can enjoy unlimited access to partner fitness centers across India. Bookings are made via the insurer’s app. It’s a great way to get value from your policy even when you’re not sick, and helps you stay that way.
• Annual Health Check-UpMost plans make you wait a year for health check-ups. Not this one. With this add-on, you’re eligible for a cashless annual check-up from Day 31 of your policy at any of the insurer’s network diagnostic centers. It includes age-appropriate tests like CBC, Cholesterol, blood sugar, Treadmill tests, and you can request it once per policy year. The benefit helps in the early detection of health issues and makes routine tracking easy.
• Instant CoverThis add-on reduces the waiting period for common pre-existing diseases like diabetes, high blood pressure, high cholesterol, and asthma from 3 years to just 30 days. It’s a rare feature in retail health insurance and adds massive value if you or your loved ones already have one of these conditions.
• Modification of the PED Waiting PeriodStandard plans have a 3-year waiting period for pre-existing diseases (PEDs). With this rider, you can cut that down to 1 or 2 years, depending on the condition. If you’re worried about a known issue, like thyroid, joint issues, or even diabetes, this is a useful add-on to get faster access to coverage.
• OPD CareThis rider reimburses you ₹4,000 per insured person annually for outpatient consultations. It allows up to four visits each to general physicians and specialists (like gynecologists, diabetologists, and pediatricians) at ₹500 per visit. It’s a valuable upgrade if you frequently consult doctors for chronic or recurring health issues.

Pros and Cons of Care Supreme Plan:

Pros of Care Supreme:

• No room rent capping, disease-wise sub-limits, or co-payment across all sum insured options
• Cumulative Bonus Super rider offers a 100% bonus per year up to 500% of the base sum insured, regardless of claims
• Full coverage for modern treatments, AYUSH, organ donor expenses, and domiciliary care
• Annual health check-up available from Day 31 of policy inception
• Wellness Benefit offers up to 30% renewal discount based on step count (tracked via app/devices)
• Instant Cover rider reduces waiting period for common conditions (Diabetes, BP, Cholesterol, Asthma) to 30 days
• Optional riders include OPD cover, non-payables (Claim Shield), PED waiting period reduction, Air Ambulance, and more

Cons of Care Supreme:

• Maternity expenses are not covered, even via add-ons
• OPD rider is limited to ₹4,000 per year with caps on visit count and consultation amount
• Some add-ons (like Air Ambulance, Wellness Benefit) are mandatory for specific profiles
• Complaint volume is slightly higher than the industry average in recent years

Base Premium Comparison of Care Supreme

Note 1: The premiums are inclusive of GST & 5% digital discount for the first purchase. 

Note 2: The total premiums are inclusive of the riders (add-ons): Air Ambulance, Wellness Benefit & Cumulative Bonus Super Benefit. 

What’s Unique About the Care Supreme policy from Care?

Most health insurance plans reward you slowly over time — maybe a bonus here, a top-up there. But Care Supreme by Care Health Insurance offers two powerful boosters that can supercharge your coverage.

1. Loyalty Benefit – 50% Bonus Every Year

Whether you claim or not, your base sum insured increases by 50% yearly just for renewing your policy. This continues until your total bonus equals 100% of your original sum insured. So, a ₹10 lakh policy becomes ₹15 lakh in Year 1, and ₹20 lakh in Year 2 — no strings attached.

2. Cumulative Bonus Super – Up to 5X Cover

Opt for the Cumulative Bonus Super add-on if you want to go bigger. Here, your sum insured increases by 100% annually on renewal, up to 500% of your base sum insured. That means your ₹10 lakh policy can eventually grow to ₹70 lakh (₹10L base + ₹10L loyalty benefit +₹50L bonus) over time. It’s a valuable feature if you’re looking to future-proof your coverage against rising healthcare costs.

Together, these two benefits create a strong, long-term safety net, whether you're dealing with inflation, multiple hospitalizations, or just want peace of mind.

Discounts in Care Supreme from Care

Care Health Insurance offers multiple discounts on the Care Supreme plan to make your premium more affordable. Here’s a quick breakdown:

1. Employee / Promoter Discount – 15%If you're an employee of Care Health Insurance Limited (CHIL), a dependent of one, or even a company promoter, you get a flat 15% discount on your premium.
2. Long-Term Policy Discount – Up to 10% Opting for a multi-year policy can lead to extra savings: • 7.5% discount on the second-year premium if you pay upfront for a 2-year policy • An additional 10% discount on the third-year premium if you opt for a 3-year policy term
3. Family Discount – Up to 10%Covering more people under a single policy? You’ll be rewarded with a discount based on the number of members (excluding the eldest): • 5% for 2–3 members • 10% for 4 or more members
4. Direct Purchase Discount – Up to 10%If you’re buying or renewing your policy directly through Care Health Insurance (not via an aggregator or agent), you can get a discount of up to 10%.
5. Early Renewal Discount – Up to 5% Renew your policy before the due date and save a little extra: • 2.5% discount if you renew within 30 days before expiry • 5% discount if you renew 31 or more days in advance

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Conclusion

Care Supreme is a comprehensive health insurance plan offering flexible coverage, substantial benefits, and valuable add-ons to enhance protection. While it suits those seeking growth in sum insured and hassle-free claims, it’s important to weigh its pricing and specific features against your personal needs. Overall, Care Supreme is a solid choice for individuals seeking a well-rounded, future-ready health insurance policy with ample flexibility and support.