Care Supreme
Care Health · health insurance
“Why waste time say lot word, when few word do trick?”
A well-built base plan: no room-rent cap, no mandatory co-pay, unlimited recharge and a claim-proof cumulative bonus. Avoid the Smart Select discount unless your preferred hospitals are on its list.
- Not scored yet
- Pricing band: Quote-based (age, city and cover)
- Best for: families, individuals
Key facts
- Score
- Not scored yet
- Pricing
- Quote-based (age, city and cover)
- Best for
- families, individuals
Plan details from the policy wording
Product UIN CHIHLIP27061V032627. Checked on 2026-10-18.
| Sum insured options | Rs 5L, 7L, 10L, 15L, 20L, 25L, 50L, 75L, 1Cr, 6Cr |
|---|---|
| Entry age | Adults 18 years and above (no upper limit); children 90 days to 24 years |
| Room rent | No room-rent cap in the base plan (optional modification restricts it to twin sharing or single private room for a lower premium) |
| Co-payment | None mandatory. Optional 5-50% co-pay; Smart Select adds a 20% co-pay outside its listed hospitals |
| Pre-existing disease wait | 36 months (optional modification to 1 or 2 years) |
| Initial waiting period | 30 days |
| Specific illness wait | 24 months for named ailments (optional modification to 1 year) |
| Restoration / reset | Unlimited Automatic Recharge |
| No-claim / cumulative bonus | Cumulative Bonus of 50% of sum insured a year, up to 100%, not reduced on a claim |
| Pre / post hospitalisation | 60 days before / 180 days after |
| Day care | All day care procedures, up to sum insured |
| AYUSH | Covered up to sum insured |
| Notable optional add-ons | Instant Cover, PED and named-ailment wait modification, deductibles, Cumulative Bonus Super, air ambulance, Unlimited Care |
Sources
- Care Supreme prospectus cum sales literature, UIN CHIHLIP27061V032627
- Care Supreme policy terms and conditions
Insurers revise wordings. The policy wording issued with your policy is what counts, so check it before you buy.
Detailed review
Pros
- No room-rent cap and no mandatory co-pay in the base plan
- Cumulative bonus of 50% a year that a claim does not reduce
- Unlimited automatic recharge of cover
- No upper entry age for adults
Cons
- Standard 36-month pre-existing disease wait unless you pay to shorten it
- Choosing Smart Select to save premium adds a 20% co-pay outside listed hospitals
Our verdict
tldr.money editorial score: Not scored yet
A well-built base plan: no room-rent cap, no mandatory co-pay, unlimited recharge and a claim-proof cumulative bonus. Avoid the Smart Select discount unless your preferred hospitals are on its list.
This is our editorial assessment, not a customer rating, and we do not publish testimonials. See how we score.
Alternatives to compare
| Criteria | Care Supreme | Care Classic |
|---|---|---|
| Score | Not scored yet | 8/10 |
| Pricing | Quote-based (age, city and cover) | Rs 13k-26k |
Swipe horizontally on mobile to compare.
FAQ
Does Care Supreme have a room-rent limit?
No room-rent cap in the base plan (optional modification restricts it to twin sharing or single private room for a lower premium). Source: Care Supreme prospectus cum sales literature, UIN CHIHLIP27061V032627.
What are the waiting periods in Care Supreme?
Initial: 30 days. Pre-existing diseases: 36 months (optional modification to 1 or 2 years). Specific illnesses: 24 months for named ailments (optional modification to 1 year).
Is there a co-payment in Care Supreme?
None mandatory. Optional 5-50% co-pay; Smart Select adds a 20% co-pay outside its listed hospitals
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