About Care Supreme Plan
The Care Supreme plan provides comprehensive coverage to individuals and families for emergency and planned medical expenditures. It covers the cost of hospitalization, ambulance services, AYUSH treatment, domiciliary hospitalization, etc.
Care Supreme Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to ₹1 crore |
| Pre-policy Medical Check-up | Not required for up to 65 years |
| Pre-existing Diseases Waiting Period | 3 years |
| Discount |
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Key Benefits of Care Supreme Plan
Care Supreme Plan Inclusions, Exclusions & Optional Cover
Inclusion of Care Supreme Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:
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In-patient CareIt covers the medical expenses incurred on hospitalization taken for at least 24 hours, such as nursing expenses, OT charges, doctor’s fees, ICU charges, room rent, etc.
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Day Care TreatmentIt pays for the cost of medical procedures that require hospitalization of less than 24 hours.
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Advance Technology MethodsIt covers the cost of treatment taken through advanced technology methods, such as robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy, etc.
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Pre-hospitalization Medical ExpensesIt pays for the medical expenses incurred up to 60 days before getting hospitalized.
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Post-hospitalization Medical ExpensesIt covers the medical expenses incurred up to 180 days after getting discharged from the hospital.
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AYUSH TreatmentIt pays for the charges incurred on availing in-patient treatment through Ayurveda, Homeopathy, Siddha and Unani system of medicines.
Exclusion of Care Supreme Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:
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Maternity expensesIt does not cover any medical expenses resulting from pregnancy and childbirth.
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Sterility and infertilityIt does not pay for the cost of treating sterility and infertility.
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Treatment for self-inflicted injuryIt does not cover the treatment cost of any self-inflicted injuries or injuries due to a suicide attempt.
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Artificial life maintenanceIt does not cover the cost of artificially maintaining life in case the insured is in a vegetative state.
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External congenital anomalyIt does not cover the treatment cost of any external congenital anomaly.
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Treatment for alcoholism, drug or substance abuseIt does not pay for the treatment of alcohol or drug addiction or substance abuse.
Optional Cover of Care Supreme Plan may differ from one plan to another. Some of the inclusions that are common under all the policies are given below:
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Cumulative Bonus SuperIt grants a cumulative bonus of 100% of the sum insured up to a maximum of 500% for every claim-free year.
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Annual Health Check-upIt offers free preventive health check-up facilities every year to all insured members.
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PED Wait Period ModificationIt reduces the waiting period for pre-existing diseases from 4 years to 1 year/2 years/3 years.
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Room Rent ModificationIt modifies the applicable room rent limit and enables the insured to get admitted to a twin-sharing or private single AC room.
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Women CareIt will cover adult women for the cost of diagnostic services, including mammography, PCOS/PCOD tests and cervical cancer screening, for up to Rs 50,000 per policy year.
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Newborn CoverIt covers the medical expenses incurred on the treatment of a newborn baby from Day 31.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Care Supreme Plan: FAQs
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Q. How many day care procedures are covered under the Care Supreme plan?
Ans: All day care procedures are covered under the Care Supreme plan.
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Q. Which mental health expenses are covered under the Care Supreme plan?
Ans: The Care Supreme covers the cost of doctor’s consultations, counselling and rehabilitation of specified mental illnesses under the ‘Mental Health Well Being’ cover.
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Q. Do Care Supreme plans come with any sub-limits?
Ans: No. The Care Supreme plans do not come with any sub-limits on room rent and ICU charges.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Care Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Care Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Care Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Care Health policy
- The network hospital will send the hospital bill to Care Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
