Care Supreme Shine is offered as a counteroffer to applicants whose medical history makes it difficult to qualify for the standard Care Supreme plan.
Key Plan Details
Premium: Indicative annual premiums start at ₹11,736 for a 25-year-old Delhi resident choosing ₹25 lakh coverage, including add-ons and discounts.
Eligible Members: Individual policies cover up to six people, while family floaters accommodate two adults and two children.
Coverage Features: Includes hospitalization, day-care, AYUSH treatment, and unlimited general physician e-consultations. Wellness activities unlock renewal discounts of up to 30%.
Waiting Periods: The initial waiting period is 30 days, followed by 24 months for specific illnesses and 36 months for pre-existing diseases.
Important Considerations
Co-payments and Limits: A 20% co-payment applies, alongside room-category restrictions and treatment-specific caps. Bonus Remover and Recharge Remover eliminate those standard benefits.
What if you apply for Care Supreme, but the insurer can't offer you the standard plan because of your medical history? Do you have to look for another insurer?
Not necessarily. Care Supreme Shine health insurance is a Care Supreme variant that the insurer may provide as a counteroffer to applicants whose medical history makes it difficult to qualify for the standard plan.
But there's a catch. Shine comes with certain coverage restrictions that you should understand before buying. In this Care Supreme Shine review, we'll explore its eligibility, features, premiums, insurer performance, and pros and cons to help you decide whether it's worth considering.
Wondering whether Care Supreme Shine offers enough coverage for your medical needs? Book a free call or chat on WhatsApp with a Ditto advisor.
Eligibility Criteria for Care Supreme Shine
According to the Care Supreme Shine brochure, the plan has the following eligibility criteria:
Note: Eligibility does not guarantee policy issuance. Care Health can request medical examinations or additional health records and may offer modified coverage terms or decline the application based on its underwriting assessment.
Important: While the Care Supreme Shine brochure PDF lists sum insured options ranging from ₹5 lakh to ₹50 lakh, Care Health's website currently displays only ₹25 lakh and ₹50 lakh options.
Key Features and Riders of Care Supreme Shine
Key Details of Care Supreme Shine Plan
Parameter
Details
Disease-Wise Sub-Limits
The plan has disease-wise sub-limits. For example, cardiovascular diseases, cancer, and kidney treatments are capped at ₹3 lakh for SI below ₹10 lakh, ₹4 lakh for SI of ₹10 lakh to ₹20 lakh, and ₹5 lakh for SI of ₹20 lakh and above.
Room Rent
Restricted to the most economical single private AC room through the mandatory Room Rent Modification add-on.
Co-Payment
20% per admissible claim.
Waiting Periods
30 days initially (except accidents), 24 months for specified illnesses, and 36 months for pre-existing diseases.
Pre- and Post-Hospitalization
Eligible expenses covered for 60 days before hospitalization and 180 days after discharge.
Ambulance Coverage
Road ambulance: Up to ₹10,000 for coverage below ₹15 lakh and up to the sum insured for coverage ₹15 lakh and above. Air ambulance: Up to ₹5 lakh per year through an optional benefit.
Domiciliary, AYUSH, Modern Treatments, and Day-Care Treatments
Covered up to SI.
Key Features of Care Supreme Shine
01
No Cumulative Bonus
Unlike standard Care Supreme, this plan removes the cumulative bonus through the Bonus Remover benefit. This means your sum insured will not increase by 50% every policy year, as it normally would under Care Supreme.
02
No Unlimited Automatic Recharge
The Recharge Remover benefit eliminates the unlimited automatic recharge available under standard Care Supreme. As a result, your sum insured will not be automatically restored after claims, limiting the coverage available for subsequent hospitalizations during the same policy year.
03
Unlimited E-Consultations
You can access unlimited online consultations with general physicians from Care Health's empaneled network by booking appointments through the insurer's mobile application.
04
Wellness Benefit
This is a compulsory, paid add-on in the Care Supreme Shine offering. It provides up to a 30% discount on renewal premiums based on your physical activity. For example, recording 10,000 steps on 120 qualifying days earns a 10% discount, while 270 qualifying days can earn a 30% discount. It also provides access to digital fitness coaching, AI-based fitness guidance, and nutritionist or wellness coaching services.
05
Health Services
The plan provides access to Care Health's digital health portal, where you can chat with doctors, receive health tips, and get reminders to manage your health. Through its Discount Connect service, you can also access discounted medical consultations, diagnostic tests, maternity-related services, and other healthcare facilities within Care Health's participating network.
Riders of Care Supreme Shine
Care Supreme Shine offers optional benefits that can be added for an additional premium, subject to the insurer's underwriting decision and the final policy offer.
BeFit: Provides access to gyms within Care Health's partnered network, allowing eligible policyholders aged 12 and above to book gym sessions through the insurer's mobile application.
Annual Health Check-Up: Provides one preventive health check-up every policy year at participating network facilities, covering a predefined list of medical tests.
Care OPD: Covers outpatient consultations with general physicians and specialists, subject to the consultation limits and reimbursement amount specified in the selected benefit.
Ditto’s Key Insight: While these riders offer added convenience, we wouldn't consider them essential. The Annual Health Check-Up rider may be worth considering. However, BeFit and Care OPD are more lifestyle- and usage-dependent benefits. We'd recommend evaluating their costs against how frequently you're likely to use them rather than adding them by default.
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
(Individual Plan): Age 25
₹11,736
₹13,418
(Family Floater, 2A): Ages (31, 32)
₹17,526
₹20,664
(Family Floater, 2A 1C): Ages (35, 34, 5)
₹21,981
₹25,996
(Family Floater, 2A): Ages (62, 63)
₹60,056
₹71,985
Note: Here, A stands for adult and C for child. These are indicative premiums for a Delhi resident (pincode: 110010) for ₹25 lakh and ₹50 lakh cover and include compulsory 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, it's important to look beyond the plan’s features and consider the insurer's overall performance.
Provides an alternative coverage option for applicants who don't qualify for standard Care Supreme due to their medical history, subject to underwriting.
A 20% co-payment applies to every admissible claim, increasing out-of-pocket expenses.
Care Health recorded a strong average claim settlement ratio of 95.45% during FY 2024–26, outperforming the industry average of 92.02%.
Cardiovascular diseases, cancer, kidney diseases, and long-bone fractures have ₹3 lakh to ₹5 lakh limits. Separate limits apply to hernia, kidney stones, cataracts, and knee replacements.
Care Health averaged ₹8,405 crore in annual health insurance business during FY 2024–26, indicating substantial business scale.
Room eligibility is restricted to the most economical single private room, which may increase expenses if a higher category is chosen due to proportionate deductions.
Care Health has over 11,400 network hospitals across India, offering access to cashless treatment at these facilities.
Bonus Remover and Recharge Remover eliminate cumulative bonus and unlimited automatic recharge benefits.
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Conclusion
Care Supreme Shine joins plans like Care Supreme Freedom and Care Supreme Heart as a counteroffer for applicants whose medical history makes it difficult to qualify for standard Care Supreme. While Shine can also be purchased independently, we recommend applying for the more comprehensive standard Care Supreme plan first.
Shine comes with several restrictions, including a 20% co-payment, disease-wise sub-limits, room restrictions, and the removal of cumulative bonus and unlimited recharge benefits. Additionally, Care Health may impose permanent exclusions for certain pre-existing conditions if it considers them too risky to cover in its counteroffer. These limitations can increase your out-of-pocket expenses during hospitalization.
If you're offered Care Supreme Shine, review its terms carefully and compare them with plans from other insurers before deciding. You can also explore ourbest health insurance plans in India to find alternatives that suit your medical needs and budget.
Frequently Asked Questions
How long does Care Supreme Shine take to settle a health insurance claim?
For cashless claims, Care Health must decide on preauthorization requests within one hour of receiving them and provide final discharge authorization within three hours of receiving the hospital's discharge request. For reimbursement claims, Care Health must settle the claim within 15 days of claim submission, as per IRDAI guidelines. Actual processing times may vary depending on claim verification and documentation.
What is the waiting period under Care Supreme Shine for cataract?
Care Supreme Shine has a 24-month waiting period for cataract treatment, as cataracts fall under the specified illness waiting period. If the condition was pre-existing when you purchased the policy, the longer 36-month pre-existing disease waiting period applies, subject to applicable continuity credits. Under the Extra Care add-on, cataract treatment also has a per-eye limit of ₹30,000, ₹40,000, or ₹50,000, depending on your sum insured.
Can I port my existing health insurance policy to Care Supreme Shine?
You can request portability from another insurer to Care Supreme Shine, but acceptance depends on Care Health's underwriting assessment. Apply before your existing policy's renewal date, preferably between 30 and 60 days in advance. Eligible waiting-period credits transfer under IRDAI's portability rules, subject to applicable limits. However, portability does not guarantee acceptance under Shine or remove its co-payment, disease-wise sub-limits, room restrictions, or other conditions attached to the new policy.
Is Care Supreme Shine available as an individual and family floater policy?
Yes, Care Supreme Shine is available in both individual and family floater formats. The individual policy structure covers up to six insured members, while the family floater covers up to two adults and two children. Under an individual structure, each member has a separate sum insured, whereas family floater members share the available coverage. Both options are subject to eligibility requirements, medical underwriting, and the restrictions specified in the final policy.
Can I buy Care Supreme Shine for my parents?
Yes, you can purchase Care Supreme Shine for your parents, subject to Care Health's underwriting approval. The plan permits adult entry from age 18 and has no maximum adult entry age. Parents and parents-in-law are included among the eligible relationships. However, older applicants and those with existing medical conditions must undergo underwriting. Check the final premium, co-payment, disease-wise sub-limits, and room restrictions before purchasing coverage for your parents.
Can I add family members to my Care Supreme Shine policy after purchase?
Yes, you can add eligible family members to your Care Supreme Shine policy. During the policy term, you may add members only after marriage or childbirth, with an additional premium charged proportionately. You can consider adding other family members at renewal, subject to Care Health's approval. Newly added members must meet the insurer's underwriting requirements and applicable waiting periods. Family floater coverage remains limited to two adults and two children.
What are the exclusions under Care Supreme Shine?
Care Supreme Shine excludes expenses related to self-inflicted injuries, substance abuse, infertility treatment, and pregnancy or childbirth, subject to specified exceptions. Routine dental treatment and spectacles are also excluded unless covered under an applicable OPD benefit. Diagnostic-only hospitalizations and certain cosmetic procedures are also excluded. Additional permanent exclusions can apply following medical underwriting. Review your policy schedule, as disease-wise sub-limits, waiting periods, and co-payments also restrict claim payments.
How can I check the status of a Care Supreme Shine health insurance claim?
You can track your Care Supreme Shine claim through Care Health's portal or mobile application. Visit the portal, select Claim Tracking, and enter the requested policy and claim details to view your claim's progress. Care Health also sends claim updates through SMS, WhatsApp, and email. For further assistance, contact customer support at 1800-102-4488 or through WhatsApp at 8860402452. If you purchased your policy through Ditto, you can also reach out to our claims assistance team for end-to-end support throughout the claims process.
How can I renew my Care Supreme Shine policy online?
You can renew your Care Supreme Shine policy through the Care Health Insurance website or mobile application. Go to the renewal section, enter your policy number, date of birth, and registered contact number, then proceed to the payment page. Review the renewal premium and policy details before completing payment. Renew before the expiration date to keep coverage uninterrupted. The policy provides a 30-day grace period for renewal, but coverage is unavailable during that period. If you purchased your policy through Ditto, you can also contact our renewal support team for end-to-end assistance with renewing your policy.
