Care
Care Supreme - Value for Money
Care Supreme Value For Money fails to hit the mark. While the plan is affordable (much like its name suggests), the features are pretty restrictive and cover the basics only. Apart from its caveat of room rent restriction (that is capped at a single private room), a mandatory copayment of 20% at non-Care Supreme-VFM network, and a low coverage amount of 10 lakhs to 15 lakhs at the most, the plan has No paid add-ons. Additionally, this policy might not be available at all locations for purchase, further limiting its access.
What's good here?
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.
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 & 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.
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.
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.
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.
Special Bonus for being healthy
Your sum insured increases by 50% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
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.
What's okay here?
You will have to pay a portion of the bill
On most occasions the insurer will pay your medical bills in full up to the sum insured — no questions asked. However, if you were forced to be treated in a hospital that’s not a part of their Care Supreme-VFM network, they’ll make you co-pay 20% of the final bill.
On most occasions the insurer will pay your medical bills in full up to the sum insured — no questions asked. However, if you were forced to be treated in a hospital that’s not a part of their Care Supreme-VFM network, they’ll make you co-pay 20% of the final bill.
You can pick a Single Private room but nothing fancy
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Reasonable 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 after you wait for 3 years.
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.
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.
Add-ons
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.
Room Modifier
With this in-built add-on, the insurance company modifies the room rent restriction from Any Room to Single Private Room.
Smart Select
With this in-built add-on, the insurance company offers 15% Discount on Base Policy Premium and allows treatment in SMART SELECT NETWORK hospitals without any restrictions. But applies 20% Co-Payment for the insured members if treatment is taken in NON-SMART SELECT NETWORK Hospital.
Frequently Asked Questions
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