By Care Health Insurance (formerly Religare Health Insurance)
Indicative premium for a family of 4 with ₹10 Lakh cover (ages 35, 32, 5, 3). Actual premium varies by age, city, and cover amount.
What makes Care Supreme stand out from the competition
Choose any hospital room including a private suite without proportionate deductions on associated expenses.
Complimentary health check-up every year at network diagnostic centres, regardless of claims made.
Covers maternity hospitalisation and pre/post-natal expenses after a 2-year waiting period. New-born cover included.
Covers 32 critical illnesses including cancer, heart attack, kidney failure, and organ transplant as a built-in benefit.
In-patient psychiatric treatment and counselling covered in line with IRDAI guidelines on mental health parity.
Robotic surgery, stem cell therapy, and other advanced treatments covered without any separate sub-limits.
Ayurveda, Yoga, Unani, Siddha, and Homeopathy treatments at AYUSH-recognised hospitals are fully covered.
Optional OPD rider covers doctor consultations, pharmacy bills, and diagnostics without hospitalisation.
A comprehensive look at what is and is not covered under Care Supreme
| Coverage Feature | Details | Status |
|---|---|---|
| In-patient Hospitalisation | All hospitalisation above 24 hours | Fully Covered |
| Pre-hospitalisation | 60 days before admission | Covered |
| Post-hospitalisation | 180 days after discharge | Covered |
| Day-care Procedures | All IRDAI-recognised day-care treatments | Fully Covered |
| Room Rent | No cap - any room category | No Sub-limit |
| ICU Charges | No sub-limit applicable | No Sub-limit |
| Road Ambulance | Per hospitalisation | Covered |
| Air Ambulance | Up to ₹2.5 Lakh per policy year | Covered |
| Domiciliary Hospitalisation | Minimum 3-day at-home treatment | Covered |
| Organ Donor Expenses | Medical expenses of organ donor | Covered |
| Modern Treatments | Robotic surgery, stem cell, etc. | No Sub-limits |
| Mental Health | In-patient psychiatric treatment | Covered |
| AYUSH Treatments | At recognised AYUSH hospitals | Covered |
| Maternity Expenses | After 2-year waiting period | 2-yr Wait |
| New-born Cover | From birth, linked to maternity cover | 2-yr Wait |
| Critical Illness Cover | 32 illnesses covered as built-in benefit | Covered |
| No Claim Bonus | Up to 100% of base sum insured | Up to 100% |
| Restoration Benefit | 100% restoration once per policy year | Covered |
| Pre-existing Diseases | After 3-year waiting period | 3-yr Wait |
| Cosmetic Surgery | Unless due to an accident | Not Covered |
| Dental Treatment | Unless requiring hospitalisation | Excluded |
This plan is best suited for the following profiles
With maternity cover after 2 years and new-born cover, couples planning children in the next few years benefit greatly from buying early.
The ₹6 Crore maximum cover is among the highest available, making it ideal for families who want long-term financial protection against catastrophic illness.
No room rent limit means you can be admitted to private suite rooms in top hospitals without worrying about proportionate deductions.
Those who use AYUSH treatments alongside conventional medicine will find comprehensive cover across both systems, along with mental health cover.
An honest assessment of Care Supreme
Common queries about Care Supreme health insurance
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