Care Supreme Enhance Option 1
Care Health Insurance
8.6/10
OneAssure Rating
8.6/10
OneAssure Rating
Highlighted Features
No Limit on Room Rent & ICU Charges
Policyholders can choose any private hospital room or ICU without restrictions, ensuring access to high-quality medical care.
Advanced Treatments Coverage
Ensures access to modern medical procedures, including robotic surgery, stem cell therapy, oral chemotherapy, intra-vitreal injections, deep brain stimulation, and balloon sinuplasty for advanced healthcare needs.
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Policy Wording
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Our Verdict
Care Supreme Enhance Super Top-up offers ₹45-95 lakh coverage with no co-payment, unlimited restoration, and a 10% annual bonus. Ideal for high-income earners or those in metros, it suits individuals seeking extensive coverage. However, room rent limits apply without an add-on, and pre-existing diseases have a 3-year waiting period.
About the Plan
The Care Supreme Enhance – Option 1 is a super top-up health plan offering a ₹45 lakh sum insured with a ₹5 lakh deductible. It covers medical expenses exceeding ₹5 lakh, includes unlimited automatic recharge, and increases the sum insured by 10% annually (up to 100%). The plan also provides coverage for advanced treatments and tax benefits under Section 80D. This policy ensures enhanced financial security against high medical costs, making it an excellent supplement to existing health insurance.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No limit on room rent.
ICU: No limit on ICU charges.
Advanced Treatments
Robotic surgery
Stem cell therapy
Deep brain stimulation
Immunotherapy
Monoclonal antibody injections
Oral chemotherapy
Intra-vitreal injections
Balloon Sinuplasty.
Co-payment
No mandatory co-payment for policyholders below 61 years. Policyholders above 61 years have a mandatory 20% co-payment.
Waiting Periods
Cashless Healthcare Providers
Access to 24,800+ network hospitals for cashless treatment.
Day Care Treatments
AYUSH Treatment
Exclusions
Expenses for pre-existing conditions during the first 36 months of coverage.
Waiting period of 24 months for specific treatments like hernia, cataracts, and joint replacement.
Costs for obesity treatments unless medically necessary.
Cosmetic and plastic surgeries unless due to accidents or medical necessity.
Treatment for substance abuse, self-inflicted injuries, or illnesses due to illegal activities.
Non-medically necessary procedures like fertility treatments and gender reassignment surgery.
Experimental and unproven treatments lacking clinical validation.
Treatment for chronic lifestyle conditions unless specifically covered.
Expenses related to hazardous sports or professional adventure activities.
Exclusions
Accidental Hospitalization Cover - Additional sum insured for hospital stays due to accidental injuries.
Unlimited Automatic Recharge - Policy sum insured is automatically reloaded after full utilization in a policy year.
Unlimited E-Consultations - Access to unlimited virtual consultations with general physicians within the insurer’s network.
Pre-Post Hospitalization Extension - Extended pre- and post-hospitalization medical expense coverage based on policyholder selection.
Annual Health Check-ups - Complimentary preventive health check-ups at insurer-approved medical facilities.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
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