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Care Health
Care Supreme
The straight-shooter - one plan, no variant maze: an uncapped room, unlimited recharge, and up to 30% off renewal for staying active.
PLAN SELECTION
1 plan available with 10 sum insured options
What you should know first
Where this plan is strong, where to watch - and how it performs on what matters most.
At a glance
5 strong5 to watch
What's strong
- Room rent uncapped on base plan - no proportionate deduction.
- Unlimited Automatic Recharge - full cover restored, unlimited times a year.
- Unlimited GP tele-consultations - no cap on video/voice/chat visits.
- Post-hospitalisation covered 180 days to full sum insured.
- Wellness program cuts renewal premium up to 30% for staying active.
What to watch
- Maternity fully excluded - no add-on option at all.
- No critical illness cover - no lump sum on cancer, heart attack, stroke.
- Pre-existing conditions wait 36 months, among the longest.
- No personal accident cover - needs a separate policy.
- Pre- and post-hospitalisation are reimbursement-only, no cashless.
What Matters Most
FeatureKey DetailOur Verdict
Strong
Strong
Standard
Standard
Strong
Strong
Strong
Strong
Strong
Strong
Limited
Limited
Next
You’ve read the shape of this cover. Now put a real bill through it.
Policy Features Breakdown
Filter by the worry on your mind to see how this plan handles each concern - its sub-limits, waiting periods and the catches.
What are you worried about?
All Policy Features41 features
StrongCommonly Missed
There is no room rent cap and no room category limit, so any room you take is covered up to the Sum Insured.
Coverage detailstap any row to understand it
Watch out
The optional Room Rent Modification benefit lowers your premium by limiting you to a Single Private AC Room or a Twin Sharing Room. If you buy that option and take a costlier room, you pay a proportionate share of the associated medical expenses too.
StandardCommonly Missed
Any illness you already had when you bought the policy is not paid for until 36 months of continuous cover are complete. You can pay extra to cut that wait to 12 or 24 months. A separate optional benefit, Instant Cover, reduces the PED wait altogether for Diabetes, Hypertension, Hyperlipidemia and Asthma to day 31. You can buy one of these two, not both.
Coverage detailstap any row to understand it
Watch out
A pre-existing disease must be declared when you apply and accepted by the insurer - after 36 months, cover applies only to what was declared.
Strong
ICU and ICCU charges have no separate cap. Your intensive care stay is paid up to the Sum Insured, and the policy states this stays true even if you buy the Room Rent Modification option that limits your ordinary room category.
Coverage detailstap any row to understand it
Watch out
ICU stays draw from the same Sum Insured as the rest of your hospital bill, so several days in intensive care at Rs 30k to Rs 50k can use up a large part of your cover even though there is no ICU sub-limit.
StrongCommonly Missed
Unlimited Automatic Recharge puts your full base Sum Insured back, any number of times in a policy year. It becomes available only after your base Sum Insured, Cumulative Bonus and Plus Benefit are completely used up, and it pays only for hospitalisation and road ambulance claims.
Coverage detailstap any row to understand it
Watch out
The recharge cannot pay the bill that used up your cover. The policy's single-claim maximum counts your Sum Insured, Cumulative Bonus, Cumulative Bonus Super, Plus Benefit and Unlimited Care, but not the recharge, so one very large hospital stay is still limited to those. Any recharge you do not use is lost at the end of the policy year.
Strong
Your Sum Insured grows 50% every completed policy year and keeps growing up to 100% of the Sum Insured. An optional Cumulative Bonus Super adds a further 100% a year on top, up to 500% of the base Sum Insured.
Coverage detailstap any row to understand it
Watch out
The bonus is tied to renewing on time. If the policy is not renewed by the end date or by the end of the grace period, the whole accrued bonus is forfeited.
Limited
Plus Benefit is a paid optional pool that adds 20% of your Sum Insured, up to a maximum of 10 lakh, and it is there from day 1. It counts towards the maximum payable on a single claim, so it genuinely raises the most that one large hospital bill can be paid. It is used only after the base Sum Insured is exhausted, and anything unused is lost at the end of the year.
Coverage detailstap any row to understand it
Watch out
The 20% is worked out on the base Sum Insured alone; your Cumulative Bonus, Cumulative Bonus Super and the Plus Benefit itself are left out of that calculation. The 10 lakh ceiling means the pool stops growing once your Sum Insured passes 50 lakh.
Specific Illness Waiting Periods
These conditions are covered after a waiting period - not excluded. Once the wait is over, they're treated like any other illness. Select a body region, or view the entire body, to see which ones this plan names.
How long you wait, for what
Accidents
Day 1Covered from the first day, with no waiting at all.
Illness, in general
30 daysAfter the first month, ordinary illness is covered.
The listed conditions
24 monthsEach one is then covered, like any other illness.
What you already had
36 monthsConditions you declared when you bought the plan.
Nothing more to prove
60 monthsAfter this, only proven fraud can be held against a claim.
Already diagnosed with one of these? A different rule applies - conditions you already have follow the pre-existing waiting period. See how that works
Entire Body
42 ConditionsWaiting Period: 24 months
Reproductive Health
Abnormal Uterine Bleeding
Abnormal menstrual bleeding
Lower Abdomen & Pelvis · Female
Very heavy or unusual bleeding during periods.
The exact words
“Dilatation and Curettage”
“Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy”
Section 4.1(a)(ii) · pages 34–36
Endometriosis
Lower Abdomen & Pelvis · Female
A painful problem where womb tissue grows outside the womb.
If it's due to cancer, this waiting period doesn't apply.
The exact words
“Surgery of Genito-urinary system unless necessitated by malignancy”
Section 4.1(a)(ii) · pages 34–36
Hydrocele and Varicocele
Scrotal swelling (Hydrocele/Varicocele)
Lower Abdomen & Pelvis · Male
Swelling or enlarged veins in the male private parts.
The exact words
“Surgery of Genito-urinary system unless necessitated by malignancy”
“All types of Hernia & Hydrocele”
Section 4.1(a)(ii) · pages 34–36
Uterine Fibroids
Uterus fibroids
Lower Abdomen & Pelvis · Female
Safe, non-cancerous lumps inside the womb that can cause heavy periods.
The exact words
“Surgery of Genito-urinary system unless necessitated by malignancy”
“Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy”
“Myomectomy for fibroids”
Section 4.1(a)(ii) · pages 34–36
Uterine Prolapse
Dropped uterus
Lower Abdomen & Pelvis · Female
A condition where the womb drops out of its normal place due to weak muscles.
If it's due to cancer, this waiting period doesn't apply.
The exact words
“Surgery of Genito-urinary system unless necessitated by malignancy”
“Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy”
Section 4.1(a)(ii) · pages 34–36
Policy Exclusions
What this plan won’t pay for
We read all 43 exclusion clauses in this policy. 22 clauses change what you’d actually claim.
Never paid
13 clausesNo waiting period reaches these - the plan does not cover them at all.
Paid, but only if…
9 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
Premium discounts
Ways to pay less
Every discount printed in this policy’s own documents - what it’s worth, who qualifies, and what it asks in return.
Just for qualifying
10 discountsNothing is given up in return - you either meet the condition or you don't.
Policy discount
15%
About the provider
Care Health
Filed plan · UIN CHIHLIP27061V032627
Comparisons· 10 pairs
Put it next to another plan
Care Supreme beside each of the other plans on the shelf: every clause that differs, read from the policy wording.
Sources
Everything on this page is read from the insurer’s own filings. It is an educational summary - not advice, not a recommendation to buy, and we sell nothing.
Plan facts last updated 17 Aug 2026.
IRDAI UIN: CHIHLIP27061V032627