Care Health
Care Supreme
- No cap - room covered at actual cost
- 36 months
- Refills 100% of your cover, any number of times a year
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
All plans
Care Supreme
What you should know first
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.
The policy in one card
Sum Insured
Room rent
Non-payable items
Waiting periods
Co-pay and deductible
Restoration
Cumulative bonus
Not covered
One year through this plan
Two hospital bills in year one, on ₹10 Lakh of cover.
| Bill | Care Supreme |
|---|---|
| 1st bill₹7,00,000 | CoveredPaid from Sum Insured ₹7,00,000 |
| 2nd bill₹12,00,000 | ₹7,00,000not coveredPaid from |
01The ledger
Every feature, decoded
Tell us about your family and health - this list reorders around what matters to you.
Start the 90-second checkBig hospital bills3 of 15 are priority
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
Room cost limitNo cap - room covered at actual cost
Room upgrade riderAvailable - Downgrade
Minimum Hospitalisation Duration to Qualify (Hours)24 hours
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.
Consumables like gloves, syringes and belts are not paid by default. The optional Claim Shield benefit makes the items in IRDAI List I payable up to the Sum Insured when a claim is accepted.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
IRDAI Non-payable Lists CoveredList I
Reduces Main Sum InsuredYes
Expense limitCovered up to full Sum Insured
Watch out
Claim Shield pays a List I item only. It is an optional benefit, so it applies only if it is printed on your Policy Schedule. These consumables often run to 10 to 20 per cent of the total, so you pay that share from your own pocket.
Recovery expenses for the 180 days after discharge are paid up to the Sum Insured, provided they relate to the same illness or injury as the accepted hospitalisation.
Coverage detailstap any row to understand it
Coverage Days After Discharge180 days
Expense limitCovered up to full Sum Insured
Day-Extension Rider AvailableNo
Claim Settlement TypeReimbursement Only
Watch out
180 days is a long window, and it matters after surgery like a knee replacement where physiotherapy and follow-up visits run for months. Track the 30-day document deadline that starts once the 180 days end.
Cancer & serious illness4 of 10 are priority
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
How it's coveredIncluded in the base plan
What the insurer calls itUnlimited Automatic Recharge
RefillsRefills 100% of your cover, any number of times a year
Illnesses eligible for refillCan be used for the same illness or a new one
Activates FromFrom Day 1 (no trigger needed)
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.
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
How it's coveredOptional add-on
What the insurer calls itPlus Benefit
Extra coverAdds 20% of your cover as an extra pool
Activates FromDay 1
Absolute Cap Amount₹10 Lakh
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.
Twelve advanced treatment methods, including robotic surgery, oral chemotherapy, immunotherapy and stem cell therapy for bone marrow transplant, are covered up to the full Sum Insured with no separate sub-limit.
Coverage detailstap any row to understand it
Coverage ScopeListed Procedures (standard IRDAI list)
Expense limitCovered up to full Sum Insured
Sub-limit Modification AvailableNo
Watch out
The list is the standard set of twelve methods and the policy pays only for those. A newer technique that is not on the list is excluded, even if the hospital treats it as routine.
This product does not offer a critical illness benefit. There is no lump-sum payout on diagnosis of cancer, heart attack or stroke, and no critical illness rider is offered with it. Serious illnesses are paid the usual way, as hospitalisation expenses against your Sum Insured.
Coverage detailstap any row to understand it
How it's coveredNot covered
When does my cover switch on?2 of 4 are priority
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
Standard Waiting Period (Months)36 months
Coverage Condition After Waiting PeriodCovered if Declared at Policy Start
Portability / Migration Credit Reduces Waiting PeriodYes
Waiting period reductionReducible to 12 months, 24 months - opt-in Policy Start or Renewal, available to Customer
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.
Fourteen listed conditions - cataract, hernia, piles, kidney stones, joint replacement, ENT surgeries and more - are not paid for until 24 months of continuous cover are complete. Accident claims are exempt. You can pay extra to cut the wait to 1 year. If a listed condition is also pre-existing for you, the longer 36-month pre-existing wait applies instead.
Coverage detailstap any row to understand it
Waiting Period (Months)24 months
Portability Credit Reduces Waiting PeriodYes
Pre-existing Disease Wait Applies if LongerYes
Accident Claims Exempt from Any Waiting PeriodYes
Waiting period reductionReducible to 12 months - opt-in Policy Start or Renewal, available to Customer
Watch out
The wait applies to the listed conditions even if you develop them after buying the policy, and even if you declared them and the insurer accepted them without a specific exclusion. Continuous cover carried over from a previous insurer reduces the wait by that much.
Planning a baby2 of 3 are priority
Care Supreme does not pay for childbirth. Delivery costs, normal or caesarean, miscarriage that is not caused by an accident, and lawful termination of pregnancy are all permanently excluded, and there is no optional benefit to buy this cover back. Only ectopic pregnancy is written back in and paid as a normal hospitalisation claim.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Ectopic pregnancy is the one carve-back inside the maternity exclusion, so that admission is payable. If you are planning a baby, this plan will not fund the delivery at any sum insured.
The base plan does not cover a newborn. You can buy the New Born cover optional benefit, which lets you add the baby to the policy from day 1 and share the family sum insured. Every waiting period still applies to the baby, so the 30-day initial wait and the longer named-ailment and pre-existing waits run for the newborn as well.
Coverage detailstap any row to understand it
How it's coveredOptional add-on
Newborn waiting periodsStandard waiting periods still apply to the newborn
Newborn expense limitCovered up to full Sum Insured
Coverage Starts from Day of Life1 day
Reduces Main Sum InsuredYes
Watch out
No waiting period is waived, so a baby admitted to NICU in the first 30 days of a new policy gets nothing paid. A week in NICU can cost ₹3,00,000 or more, and you pay it from your own pocket.
Everyday medical costs2 of 7 are priority
Care Supreme does not cover out-patient treatment. Doctor visits, tests and medicines taken without being admitted are not paid by this policy. What the plan gives you instead is Discount Connect - cheaper rates at the insurer's network for OPD, diagnostics and pharmacy - so you still pay those bills yourself, only at a lower price.
Coverage detailstap any row to understand it
How it's coveredNot covered
Watch out
Two optional benefits do pay some out-patient bills, but both are narrow: Women Care covers three diagnostic tests for women aged 18 and above, and Mental Health wellbeing covers consultation and counselling for four listed conditions. Neither pays for general consultations, routine tests or medicines.
In-patient treatment for mental illness is covered like any other illness, up to your full sum insured, with no separate cap. Out-patient therapy is not in the base plan - for that you buy the optional Mental Health wellbeing benefit, which pays consultation, counselling and rehabilitation on a cashless basis for four listed conditions, up to 10,000, 25,000 or 50,000 rupees a year depending on the limit you choose.
Coverage detailstap any row to understand it
How it's coveredIncluded in the base plan
OPD and therapyIn-patient only, no OPD or therapy
In-patient expense limitCovered up to full Sum Insured
Mental health add-onAvailable - Mental Health wellbeing - includes OPD mental health
Mental conditions coveredAcute depression, OCD, Anxiety, PTSD
Watch out
The optional out-patient cover works only on a cashless basis at the insurer's network, so a therapist you pay yourself is not reimbursed. It also covers only acute depression, obsessive compulsive disorder, anxiety and post traumatic stress disorder.
Worth it if I never claim?2 of 4 are priority
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
How it's coveredIncluded in the base plan
What the insurer calls itCumulative Bonus
Bonus growthGrows 50% of Sum Insured every year (even after claims), up to 100% of Sum Insured
Requires Renewal Without BreakYes
Eligible Claim TypesHospitalization, Road Ambulance
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.
You can add a deductible - ₹10,000, ₹25,000, ₹50,000, ₹1 lakh, ₹2 lakh, ₹5 lakh or ₹10 lakh - and pay a lower premium for it. It works on an aggregate basis: the insurer starts paying only once your claims in that policy year add up to more than the deductible you chose. The count resets at the start of every policy year, and the policy has no clause to waive or remove it later.
Coverage detailstap any row to understand it
AvailabilityOffered as an optional feature
Deductible waiverNo waiver option
Deductible Resets EveryPolicy Year
High Deductible Levels Restrict Other BenefitsNo
Deductible Applies to Claims FromIndia Only
0242 illnesses
42 named illnesses wait 24 months accidents from day 1 read by 9 body regions about 4 min
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.
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
0339 listed
13 never paid 9 paid only if a condition is met 17 in every policy read from all 39 under a minute
Never paid
13 clausesNo waiting period reaches these - the plan does not cover them at all.
Once the treating doctor confirms a vegetative state or brain death and says treatment will not bring recovery, the insurer stops paying for life support. Families meet this clause at the worst possible moment, so it is worth knowing before you need it.
Expenses incurred for Artificial life maintenance, including life support machine use, post confirmation of vegetative state or brain dead by treating medical practitioner where such treatment will not result in recovery or restoration of the previous state of health under any circumstances.
PW p.39 cl.4.2(11)
The insurer can refuse anything it judges above the going rate, or not medically needed at all. It is the widest discretion in the policy and it applies to every claim, so keep the treating doctor's reasoning on the file.
Any treatment or part of treatment or any expenses incurred under this Policy that is not reasonable and customary and/or not medically necessary.
PW p.41 cl.4.2(25)
This plan names 12 advanced procedures and pays them up to the full Sum Insured with no separate cap. Anything outside those 12 is not paid at all.
Expenses related to any kind of Advance Technology Methods other than mentioned in the Clause 3.1.1(iii).
PW p.41 cl.4.2(22)
Insurance may not pay for general caretaking. Staying at a facility just to rest is not covered. Hiring helpers for daily tasks like walking or dressing may also be paid from your own pocket.
Custodial care either at home or in a nursing facility for personal care such as help with activities of daily living such as bathing, dressing, moving around either by skilled nurses or assistant or non-skilled persons.
PW p.36–37 cl.4.1(b)(2)
Anything you take home and keep is not paid: wheelchairs, walkers, crutches, glucometers, a CPAP machine for sleep apnoea, an oxygen concentrator for asthma.
external prosthesis, corrective devices, external durable medical equipment of any kind, like wheelchairs, walkers, glucometer, crutches, ambulatory devices, instruments used in treatment of sleep apnea syndrome and oxygen concentrator for asthmatic condition, cost of cochlear implants and related surgery
PW p.38 cl.4.2(5)
Glasses, contact lenses, hearing aids and routine eye or ear check-ups are not paid. Cochlear implants and the surgery to fit them are named as excluded too.
routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and / or devices whether for diagnosis or treatment
PW p.38 cl.4.2(4)–(5)
Hormone replacement therapy is excluded, with no medical exception. If a doctor prescribes it for menopause or for any other reason, you pay for it yourself.
Hormone replacement therapy.
PW p.41 cl.4.2(23)
The insurer does not pay for any illness or injury it treats as caused by tobacco, smoking, alcohol, intoxicating drugs or hallucinogens. This is wider than being drunk or on drugs at the time of treatment. If a doctor records that long-term smoking caused your illness, the insurer can refuse the claim. A separate clause also refuses treatment you need because stimulants or depressants that a doctor did not prescribe impaired you.
Any Illness or Injury attributable to consumption, use, misuse or abuse of tobacco, intoxicating drugs, alcohol, hallucinogens, smoking.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
PW p.41 cl.4.2(24); PW p.41 cl.4.2(19) · cl. cl.4.2(24), cl.4.2(19)
Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy are covered by the AYUSH benefit, which overrides this clause. Acupuncture, chiropractic and hydrotherapy sit outside those six and stay excluded.
Non-Allopathic Treatment, Hydrotherapy, Acupuncture, Reflexology, Chiropractic treatment or treatment related to any unrecognized systems of medicine.
PW p.41 cl.4.2(12); superseded at PW p.18 cl.3.1.1(vi)(iv)
Birth defects visible on the outside of the body are not paid, and there is no exception for a newborn. Internal ones are covered.
Screening, counseling or treatment of any external Congenital Anomaly, Illness or defects or anomalies or treatment relating to external birth defects.
PW p.39 cl.4.2(7)
Treatment for intellectual disability, and for arrested or incomplete development of the mind, is excluded outright. You pay for it yourself.
Treatment of mental retardation, arrested or incomplete development of mind of a person, subnormal intelligence or mental intellectual disability.
PW p.39 cl.4.2(8)
Medical costs for family planning are not covered. This means the policy may not pay for treatments to prevent pregnancy. It also may not pay for treatments to get pregnant.
Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI; Gestational Surrogacy; Reversal of sterilization
PW p.38 cl.4.1(b)(14)
Standard health policies may not cover the costs of pregnancy or childbirth. Normal deliveries and C-sections are excluded. The usual exception is an ectopic pregnancy; where a policy pays maternity as a benefit, its own wording says so.
Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy
PW p.38 cl.4.1(b)(15)
Paid, but only if…
9 clausesWritten as exclusions, but the policy states a way in. The condition is the whole point.
When it IS paid
Paid when given as part of in-patient or day-care hospitalisation.
Drugs like Remicade and Avastin are paid only if you are admitted as an in-patient, or if the dose is given as day care. If the same drug is given to you in an outpatient infusion chair, the insurer does not pay for it. These are among the most expensive medicines people claim for.
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.
PW p.41 cl.4.2(21)
When it IS paid
In a life-threatening situation or after an accident, expenses up to the stage of stabilisation are payable - on reimbursement only, not cashless.
Insurance companies have a list of banned hospitals and doctors. If you go to them, your claim may be rejected. The exceptions are a life-threatening emergency or an accident - and even then the policy pays only up to the point you are stabilised.
Expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer and disclosed in its website / notified to the policyholders are not admissible. However, in case of life threatening situations or following an accident, expenses up to the stage of stabilization are payable but not the complete claim.
PW p.37 cl.4.1(b)(8); Annexure II PW p.63–68
When it IS paid
The optional Claim Shield add-on makes List I payable. Lists II, III and IV stay out.
Gloves, syringes, masks and dozens of other items on the non-medical list are cut from the hospital bill. If you buy the optional Claim Shield add-on, List I becomes payable. Lists II, III and IV stay excluded, so you pay for those items from your own pocket. Personal comfort items the policy names, such as television, telephone, cosmetics and toiletries, are struck off the bill as well.
Any item or condition or treatment specified in List of Non-Medical Items (Annexure – I to Policy Terms & Conditions).
Personal comfort and convenience items or services including but not limited to T.V. (wherever specifically charged separately), charges for access to cosmetics, hygiene articles, body care products and bath additives, as well as similar incidental services and supplies.
PW p.38 cl.4.2(1); Lists I–IV at PW p.59–62; PW p.40 cl.4.2(16) · cl. cl.4.2(1), cl.4.2(16)
When it IS paid
Diagnostics that ARE related or incidental to the treatment you are admitted for stay covered.
Health insurance pays for actual medical treatments. If you stay in a hospital purely for diagnostic tests or scans, the bill may not be covered. There must be an active treatment going on.
Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
PW p.36 cl.4.1(b)(1)
When it IS paid
Paid when a doctor prescribes them as part of a hospitalisation claim or day-care procedure.
General vitamins and supplements are not covered. You may have to pay for them yourself. Insurance may only pay if a doctor strictly prescribes them during a hospital stay.
Dietary supplements and substances that can be purchased without prescription, including but not limited to Vitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalization claim or day care procedure
PW p.37 cl.4.1(b)(11)
When it IS paid
Paid for reconstruction following an accident, burns or cancer, or as medically necessary treatment to remove a direct and immediate health risk - certified by the treating doctor.
Surgeries done just to look better are excluded. However, plastic surgery needed after a bad accident may be covered. Surgeries for burns or cancer reconstruction are also covered.
Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medical necessity, it must be certified by the attending Medical Practitioner.
PW p.36 cl.4.1(b)(5)
When it IS paid
Dental work that needs hospital admission - an accidental fracture, a jaw injury, oral cancer, a surgical extraction - is paid.
There is no dental cover for ordinary visits, and dentures and artificial teeth are never paid. Dental surgery serious enough to put you in hospital is paid.
Charges incurred in connection with routine eye examinations and ear examinations, dentures, artificial teeth and all other similar external appliances and / or devices whether for diagnosis or treatment
PW p.38 cl.4.2(4)
When it IS paid
At 7.5 dioptres or worse, the correction is paid.
Surgeries to remove your glasses are usually not covered. They are seen as a cosmetic choice. The policy pays only when your eyesight is very weak - 7.5 dioptres or worse.
Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.
PW p.37 cl.4.1(b)(12)
When it IS paid
Paid when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more with obesity-related cardiomyopathy, coronary heart disease, severe sleep apnoea or uncontrolled Type 2 diabetes, after less invasive weight-loss methods have failed.
The policy pays for weight-loss surgery only when your doctor advises it, you are 18 or older, and your BMI is 40 or more - or 35 or more together with a condition like heart disease, severe sleep apnoea or uncontrolled diabetes. Surgery to change how you look is not covered.
Expenses related to the surgical treatment of obesity that does not fulfill all the below conditions:
1) Surgery to be conducted is upon the advice of the Doctor
2) The surgery/Procedure conducted should be supported by clinical protocols
3) The member has to be 18 years of age or older and
4) Body Mass Index (BMI);
a) greater than or equal to 40 or
b) greater than or equal to 35 in conjunction with any of the following severe co-morbidities following failure of less invasive methods of weight loss:
i. Obesity-related cardiomyopathy
ii. Coronary heart disease
iii. Severe Sleep Apnea
iv. Uncontrolled Type2 Diabetes
PW p.36 cl.4.1(b)(3)
0415 discounts
10 just for qualifying 5 cost you a co-pay, a deductible, a smaller network or a room cap capped at 50% about 3 min
Just for qualifying10
When it appliesPurchase & renewal
Printed atProspectus p.1 · §2 item 1
When it appliesTiming not stated
Printed atProspectus p.2 · §2 item 2
Watch out
Void if you pay by instalments
When it appliesPurchase & renewal
Printed atProspectus p.2 · §2 item 3
When it appliesPurchase & renewal
Printed atProspectus p.2 · §2 item 4
When it appliesPurchase & renewal
Printed atProspectus p.2 · §2 item 5
When it appliesPurchase only
Printed atProspectus p.2 · §2 item 6
When it appliesRenewal only
Printed atProspectus p.2 · §2 item 7
When it appliesTiming not stated
Printed atProspectus p.2 · §2 item 8
When it appliesTiming not stated
Printed atProspectus p.2 · §2 item 9
In exchange for something5
WorthNot published
When it appliesTiming not stated
Printed atPolicy wording p.25 · 3.2.6
In return
Each policy year you pay claims up to your chosen deductible yourself before the policy pays.
WorthNot published
When it appliesTiming not stated
Printed atPolicy wording p.26 · 3.2.7
In return
You pay your chosen share of every single claim yourself.
WorthNot published
When it appliesTiming not stated
Printed atPolicy wording p.23 · 3.2.1
In return
A 20% co-payment on every claim at a hospital outside that panel - with no emergency exception stated.
WorthNot published
When it appliesTiming not stated
Printed atPolicy wording p.33 · 3.2.19
In return
Go to hospital directly without that consult and a 10% co-payment applies - except in an emergency.
WorthNot published
When it appliesTiming not stated
Printed atPolicy wording pp.23–24 · 3.2.2
In return
Your room cover narrows to a single private AC room or twin sharing; intensive care stays uncapped.
Not offered: a no-claim premium discount.
05
96.74% claims settled 24,800 cashless hospitals 1.68 solvency under a minute
Care Health
Filed plan · UIN CHIHLIP27061V032627
0610 comparisons
10 comparisons, every clause that differs under a minute
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 9 Sept 2026.
IRDAI UIN: CHIHLIP27061V032627
3 documents we read this from under a minute