Overview
The Care Supreme Super Saver plan is an affordable variant of the flagship Care Supreme health insurance policy, offering extensive coverage with a mandatory deductible of ₹25,000. The plan includes outpatient consultation coverage and offers benefits like a cumulative bonus and unlimited automatic recharge of the sum insured. Designed for individuals and families, this plan balances comprehensive coverage with lower premiums, thanks to the compulsory deductible.
Experts Review
Written by Nikhil Nair
Senior Writer
The Care Supreme Super Saver plan is a cost-effective option for those seeking broad health coverage at a lower premium, thanks to its mandatory ₹25,000 deductible. This deductible reduces premium costs but is non-negotiable, meaning policyholders must bear the initial ₹25,000 of claims in a given policy year before the insurer pays, which may not be suitable for everyone.
A major feature is the unlimited automatic recharge of the sum insured, ensuring coverage renewal after exhaustion within the policy year, which is valuable for multiple hospitalizations. The plan also features a cumulative bonus that can increase the sum insured by up to 100%, rewarding claim-free renewals. Outpatient consultation coverage adds further value.
However, the mandatory deductible is a caveat that limits flexibility, especially for those preferring zero-deductible plans. Premiums are noticeably lower, approximately 15-25% less than the base Care Supreme plan, reflecting this trade-off. Care Health Insurance maintains a good average claim settlement ratio of 90% (2021-2024), but its complaint volume has increased recently, which may impact customer experience.
Pros
Offers a wide range of features.
Great pick if you're looking for something affordable.
Insurer has a solid track record with great claim and service metrics.
Cons
Free Health Checkups every year, which is a notable gap.
Maternity benefits not offered, which could be a drawback for some.
Doctor consultations are not covered, which is a key feature. Need to opt add-on for doctor consultations.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Co-payment
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.
Room Rent
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.
Disease sub-limit
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.
Pre existing diseases waiting
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 after you wait for 3 years.
Customisable
For Hypertension, Diabetes, cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Customisable
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.
Pre/Post hospitalization
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.
Add-ons
Aggregate Deductible
Mandatory
Choose deductible of ₹25,000 and get a discount on premiums.
Wellness Benefits
Mandatory
Up to a 30% discount on renewal premiums for maintaining a healthy lifestyle
Instant Cover
Recommended
For Hypertension, Diabetes, cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Cumulative Bonus Super
Recommended
Additional bonus of 100% up to a maximum of 500%, irrespective of any claim in the previous year.
Claim Shield
Recommended
Covers list of 68 non-medical items as per list I
Care OPD
Recommended
Total 8 doctor consultations up to a max of ₹undefined with General Physician consultation capped at ₹500 and Specified Specialist consultation capped at ₹500.
Reduction in PED
Recommended
For any illness: Pre existing disease waiting period is modified/reduced from 3 years to 1 and 2 years.
BeFit
Recommended
Get unlimited visit access to empaneled Fitness centres/Gyms.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless or reimbursement basis.
Air Ambulance Cover
You can avail an air ambulance in the event of an emergency up to Rs. 5 Lakhs per policy year.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
Hormone replacement therapy
Mental retardness
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 1 and 2 years for all diseases and to 30 days for certain diseases.
What's missing in the policy
Free Health Checkups every year.
Maternity benefits not offered.
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
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Frequently Asked Questions
Does Care Supreme - Super Saver have 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 3-year waiting period for any pre-existing disease you may have while buying the policy.
Does Care Supreme - Super Saver have room rent restrictions?
Does Care Supreme - Super Saver offer a restoration benefit?
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