Care Supreme Health Insurance

Care Health Insurance (formerly Religare Health Insurance) was established in 2012 and has grown into India's second-largest standalone health insurer. As a dedicated health insurer, Care has built its business entirely around medical coverage. This means focused product design and specialized claims expertise.

Today, Care operates across India with 11,400+ network hospitals, making cashless hospitalization accessible in most major cities and tier-2 towns. The insurer is promoted by the Burman family (Dabur), Kedara Capital, and the Union Bank of India. 

In this Care Supreme Health Insurance review, we’ll break down everything you need to know about Care Supreme. Its features, add-ons, pricing, and real-world performance: so you can decide if it’s actually worth buying. Plus, we’ll cover who this plan is best suited for (and who should skip it), along with key pros, trade-offs, and practical buying tips.

Note: In the table above, CSR means claim settlement ratio, ICR stands for incurred claims ratio, and GWP refers to gross written premium. All this data is sourced from IRDAI Annual reports and Care’s public disclosures.

Key Insights

• Care’s claim settlement ratio is higher than the industry average, which means you have slightly better chances of your claim being approved when you need it.
• Its lower incurred claims ratio indicates that the insurer pays out a smaller portion of premiums as claims compared to peers, which can point to controlled claim payouts, but also makes it important to understand policy terms clearly. The ICR is still within the ideal range of 50% to 80%, though.
• However, the higher complaint volume indicates that you might face some friction in customer service or during the claims process.
• At the same time, Care’s strong business scale reflects a large customer base and market presence, which typically translates to better hospital network access and overall operational experience.

You can refer to the Care Supreme brochure for more details.

Major Add-Ons Offered with Care Supreme

Cumulative Bonus Super

Get an additional 100% bonus every year, even if you make a claim, up to a maximum of 500% of your sum insured.

Cumulative Bonus Booster

Offers a 100% bonus increase every year with no upper cap, irrespective of claims made.

Annual Health Checkup

The insured person can avail of this benefit from the 31st day of policy inception, once per policy year, on a cashless basis by requesting at the insurer’s network facilities.

Claim Shield Plus

Covers a wide range (140+) of non-medical expenses, including items listed under categories I, II, III, and IV.

Wellness Benefit

Earn up to a 30% discount on renewal premiums by maintaining a healthy lifestyle and meeting wellness criteria.

Air Ambulance

Emergency air ambulance services are covered up to ₹5 lakhs per policy year.

Reduction in PED Waiting Period

Shortens the waiting period for all pre-existing diseases from 3 years to either 1 or 2 years.

Instant Cover

Reduces the waiting period to just 30 days for conditions like hypertension, diabetes, high cholesterol, and asthma.

Instant Cover Plus

Extends faster coverage (after a 30-day waiting period) to a broader set of existing conditions, including obesity, Chronic Obstructive Pulmonary Disease (COPD), and coronary artery disease (with Percutaneous Transluminal Coronary Angioplasty (PTCA) done over a year ago).

Care OPD

Includes 8 outpatient consultations annually, 4 with general physicians and 4 with specialists, each capped at ₹500 per visit, after the first 30 days.

BeFit

Provides unlimited access to network gyms and fitness centers.

Unlimited Care

Enables unlimited coverage for a single claim during the policy lifetime, without any upper limit.

Note: The top 5 add-ons highlighted above are typically recommended by Ditto alongside this plan, based on their overall value and practical usefulness. Additionally, this is not an exhaustive list, the insurer may offer more add-ons. You can look for more information in the Care Supreme policy wording or prospectus.

Note: A stands for adults, C denotes children. These illustrative premiums above are for a ₹15 lakhs cover, assuming the insured person lives in Delhi (110010). Premiums for Care Supreme with add-ons: Cumulative Bonus Super, Annual Health Checkup, Claim Shield Plus, Wellness Benefit, & Air Ambulance.

Who Should Buy Care Supreme?

Care Supreme is a strong fit if:

• You want a standalone health insurer with strong brand recognition and a focused in-house claims team.
• You are not planning a family, as maternity cover is not available even as a rider.
• You want to optimize for cost and value. The base plan is competitively priced and offers excellent built-in features.
• You want an insurer with a track record of settling claims. 93.13% CSR is above the industry average.
• You are health-conscious and want a plan that rewards you for it; the wellness discount of up to 30% on renewal premiums is a meaningful benefit.
• You don't mind a higher complaint volume as a tradeoff for better pricing and features.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Abhinav below love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 15,000+ happy customers
• Backed by Zerodha
• Dedicated Claim Support Team
• 100% Free Consultation

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Conclusion

Care Supreme ranks among Ditto’s top 2 best health insurance plans in India, thanks to its strong coverage, useful features, and overall value for money.

That said, there are a couple of trade-offs to keep in mind. The complaint volume is higher than peers, and some benefits like OPD or health checkups require add-ons, which can increase your overall cost.

If these aren’t deal-breakers for you, Care Supreme is a solid, well-rounded option, especially when paired with the right add-ons.