About Care Supreme Shine Plan
Care Supreme Shine is a comprehensive health insurance policy that charges premiums based on your city of residence but without any zone-based co-payment. It offers unlimited e-consultations from general physicians and up to a 30% wellness discount on the renewal premium. It also offers health services that allow access to doctors on chat and discounts on in-person doctor consultations, diagnostic tests, etc.
Care Supreme Shine Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Coverage | ₹5 lakh to ₹50 lakh |
| 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 Shine Plan
Care Supreme Shine Plan Inclusions, Exclusions & Optional Cover
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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.
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Maternity ExpensesIt does not cover the maternity expenses incurred on pregnancy or childbirth.
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Dental TreatmentIt does not pay for the medical expenses incurred on dental treatments.
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Alcohol or Substance AbuseIt excludes the cost of treating alcoholism or substance addiction.
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Infertility and SterilizationIt does not pay for the medical expenses incurred on infertility treatments or any type of sterilization.
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External Congenital AnomalyIt does not cover the cost of treating external congenital anomalies.
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Self-inflicted InjuriesIt excludes the treatment cost of self-inflicted injuries and an attempt to commit suicide.
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Room Rent ModificationIt modifies the eligible room category to a single private room.
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Co-paymentIt allows the policyholder to opt for a voluntary co-payment of 20% on all claims.
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Air AmbulanceIt covers the cost of availing air ambulance services in India to transport the insured to the nearest hospital during a medical emergency or from one hospital to another.
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Wellness BenefitIt offers a renewal premium discount of up to 30% in case of accumulating 270 days or more healthy days. It also offers digital fitness coaching, nutrition/wellness coaching and AI fitness coaching.
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Annual Health Check-upsIt covers the cost of availing preventive health check-ups at a network hospital of the insurance company once a policy year.
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OPD CareIt allows the insured to avail 4 OPD consultations from general physicians and 4 consultations from specialists, subject to a maximum of ₹500 per consultation.
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 Shine Plan: Waiting Periods
| Categories | Waiting Period |
|---|---|
| Initial Waiting Period | 30 days |
| Named Illness Waiting Period | 2 years |
| Pre-existing Disease Waiting Period | 3 years |
Care Supreme Shine Plan: FAQs
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Q. What is Care Supreme Shine?
Ans: Care Supreme Shine is a comprehensive health policy that charges a premium based on the policyholder’s city of residence. It provides coverage for hospitalisation, day care procedures, and modern treatments, along with unlimited e-consultations. The policy does not charge any zone-based co-payment but provides the option of voluntary co-payment on all claims.
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Q. What are the permanent exclusions of Care Supreme Shine insurance?
Ans: The permanent exclusions of the Care Supreme Shine plan are maternity expenses, non-accidental dental treatments, obesity or weight control treatments, sterility & infertility, cosmetic or plastic surgery, external congenital anomalies, treatment for alcoholism & drug abuse and self-inflicted injuries.
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Q. Where can I check the Care Supreme Shine policy details?
Ans: You can check the Care Supreme Shine policy details on the official website of Care Health Insurance Ltd. You can also find its brochure and prospectus on Policybazaar.com.
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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.
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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.
- Intimate Care Health about the hospitalization
- In case of planned hospitalization, inform the insurance provider before hospital admission.
- Obtain medical treatment
- During discharge, pay the hospital bill in full.
- Collect all the medical documents, hospital bills and receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
