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Care Supreme

Care Supreme is a bargain at the price at which it's selling and while the waiting periods may seem a bit off putting considering the 4 years it mandates, you can cut this down to a mere 30 days for select conditions including Asthma, Hypertension, Diabetes, Hyperlipidimia. The only downside is that you have to tag along add-ons to unleash its true potential.

What's good here?

special mention
🎉Special Mention

Special bonus for renewing the policy

Your sum insured increases by 50% each year irrespective of your claim status in the current year. However, the sum insured keeps increasing as long as the Loyalty benefit sum insured reaches 100% of the sum insured.


You’ll never have to split the bill

The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.

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You always have full cover irrespective of the disease

No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.

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Good Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized for same or different complications.

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Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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You can pick any room you like

Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.

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Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 180 days after discharge. This includes the cost of medication by the way.

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Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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What's bad here?


Long waiting period for pre-existing diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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What's lacking here?


Your insurer doesn’t provide free health check-ups

If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.

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Instant Cover

This add-on will cut waiting periods to a mere 30 days for the following pre-existing conditions: Hypertension, Diabetes, Hyperlipidemia and Asthma. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.

Annual Health Check-up

Insured members get a free annual health check-up at network centres so long as they get medical tests prescribed in the policy. And since the cost can vary significantly for different profiles, we recommend speaking to our advisor before you take a call.

Air Ambulance Cover

You can avail an air ambulance in the event of an emergency. And the insurance company offers this benefit to everyone who buys the policy.

Cover for OPD Consultations

With this addon, each insured member can avail up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually on a reimbursement basis, with a maximum reimbursement of ₹500 per visit. This can be claimed once every quarter.


With this add-on, all the insured members will get unlimited visit access to empaneled Fitness centres/Gyms.

Cumulative Bonus Super

Every time you renew your policy, the insurance provider will grant you additional bonus cover totalling 100% of your sum insured. And they will continue doing this until the total cover adds up to 500% of the base sum insured. Considering the cost involved, this is a good add-on to have. And if you are 45 or younger, or between the ages of 76 and 99, the benefit is added by default.

Wellness Benefit

You get a small discount on your premiums every time you renew the policy if you clock 10,000 steps over a set number of days. The insurance company will offer this benefit to everyone who buys the policy.

Claim Shield

This add-on covers the cost of non-payable items that are used during the course of treatment for an illness or injury, such as dressings, bandages, syringes, and other medical supplies. And considering that these costs alone can add up to 5-15% on your total bill on occasions, we recommend you to buy the add-on

Reduction in PED

This optional cover reduces the applicable pre-existing waiting period from 48 months to either 36 months, 24 months, or 12 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.

Frequently Asked Questions

Yes. Care Supreme imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 4-year waiting period for any pre-existing disease you may have while buying the policy.
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