Care Supreme Plan

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      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. The plan also comes with exclusive benefits like unlimited automatic recharge, women care, unlimited e-consultations, newborn cover, annual health check-up, instant cover, etc.

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      Care Supreme Plan: Key Highlights

      Categories Specifications
      Sum Insured 5 lakh, 7 lakh, 10 lakh, 15 lakh
      Policy Tenure 1 year, 2 years, 3 years
      Network Hospitals 19000+
      Incurred Claim Ratio (2020-21) 65.07%
      Claim Settlement Ratio (2019-20) 95.2%
      Pre-policy Medical Check-up Not required up to 65 years
      Initial Waiting Period 30 days
      Pre-existing Diseases Waiting Period 4 years
      Specific Diseases Waiting Period 2 years
      Discount Up to 10% tenure discount
      Up to 10% family discount
      Up to 5% direct discount
      Up to 5% cross-sell discount

      Benefits of Care Supreme Plan

      Take a look at the key benefits of the Care Supreme plan:

      • Unlimited Automatic Recharge

        With this benefit, the policy sum insured is recharged unlimited times in a year for the same as well as unrelated illnesses in case the base sum insured gets exhausted due to one or more claims.

      • Unlimited E-Consultations

        The plan enables the insured to avail unlimited e-consultations with qualified general physicians within the network of the insurance company. The consultations can be availed through a phone call, video call, chat or email.

      • Cumulative Bonus

        It also comes with the cumulative bonus benefit that increases the policy sum insured by 50% up to a maximum of 100% if no claims are raised in the previous policy year. 

      • Cashless Hospitalization

        The Care Supreme plan provides the insured with cashless hospitalization facilities at more than 19000 network hospitals of Care Health Insurance.

      • Health Services

        Under this plan, the insured also has an access to the ‘Health Portal’ and ‘Discount Connect’ benefits. While the ‘Health Portal’ offers services, such as doctor on chat, digital locker for medical documents, etc., the ‘Discount Connect’ offers special rates for OPD, pharmacy and diagnostic services. 

      • Tax Benefits

        The premium paid for buying this plan is eligible for tax deductions under Section 80D of the Income Tax Act, 1961.

      Care Supreme Plan Eligibility Criteria

      Check out the eligibility criteria for buying a Care Supreme plan below:

      Parameters Eligibility Criteria
      Minimum Entry Age Adult – 18 years
      Child – 90 days
      Maximum Entry Age Adult – Lifelong
      Child – 24 years
      Coverage Type Individual/ Floater
      Maximum No. of Family Members Covered 6
      Relationships Covered Self, spouse/partner, children, parents, parents-in-law, grandparents
      Renewability Lifelong

      Inclusions of Care Supreme Plan

      The Care Supreme plan includes the following coverage:

      • In-patient Care – It 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.
      • Day Care Treatment – It pays for the cost of medical procedures that require hospitalization of less than 24 hours.
      • Advance Technology Methods – It covers the cost of treatment taken through advanced technology methods, such as robotic surgeries, deep brain stimulation, stem cell therapy, oral chemotherapy, etc.
      • Pre-hospitalization Medical Expenses – It pays for the medical expenses incurred up to 60 days before getting hospitalized.
      • Post-hospitalization Medical Expenses – It covers the medical expenses incurred up to 180 days after getting discharged from the hospital.
      • AYUSH Treatment – It pays for the charges incurred on availing in-patient treatment through Ayurveda, Homeopathy, Siddha and Unani system of medicines. 
      • Domiciliary Hospitalization – It covers the cost of treatment taken at home for at least three days as per the recommendation of a qualified doctor in case hospitalization is not possible. 
      • Organ Donor Cover – It pays for the medical expenses incurred towards the organ donor of the insured for an organ transplant surgery.
      • Road Ambulance Cover – It covers the medical expenses incurred on availing emergency road ambulance services for the transportation of the insured.

      Optional Covers:

      • Cumulative Bonus Super -  It grants a cumulative bonus of 100% of the sum insured up to a maximum of 500% for every claim-free year.
      • Annual Health Check-up – It offers free preventive health check-up facilities every year to all insured members.
      • PED Wait Period Modification – It reduces the waiting period for pre-existing diseases from 4 years to 1 year/2 years/3 years.
      • Room Rent Modification – It modifies the applicable room rent limit and enables the insured to get admitted to a twin-sharing or private single AC room. 
      • Women Care – It 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.
      • Newborn Cover – It covers the medical expenses incurred on the treatment of a newborn baby from Day 1.
      • Instant Cover – It waives off any pre-existing disease waiting period on diabetes, hypertension, asthma and hyperlipidemia.
      • Mental Health Wellbeing – It covers the cost of outpatient treatment taken for mental conditions, such as acute depression, anxiety, post-traumatic stress disorder and obsessive-compulsive disorder.
      • Air Ambulance – It covers the medical expenses incurred on availing air ambulance services in India for up to Rs 5 lakh per year.
      • Deductible – It enables you to opt for a deductible for your claims allowing you to earn a discount on your premium.
      • Co-payment – It allows you to pay a co-payment on every claim enabling you to reduce your premium amount.
      • Claim Shield – It pays for the items used during hospitalization that are generally not covered under a health insurance policy.
      • Named Ailment Wait Period Modification – It reduces the waiting period for named ailments from 2 years to 1 year.
      • Smart Select – It provides a discount on premiums by availing hospitalization facilities at a network hospital of the insurance company. In the case of a non-network hospital, a co-payment of 20% will apply.
      • Wellness Benefit – It provides the insured with access to wellness benefits, such as a discount on renewal premiums, wellness coach/nutritionist, digital fitness coaching, etc.
      • Plus Benefit – It provides an additional claim amount of up to Rs 10 lakh to the insured that can be used in case the base sum insured gets exhausted.
      • Be-Fit Benefit – It allows the insured to make unlimited visits to a fitness centre within the insurer’s network during a policy year.

      Exclusions of Care Supreme Plan

      The following treatment expenses are excluded under the Care Supreme plan:

      • Maternity expenses
      • Sterility and infertility
      • Treatment for self-inflicted injury
      • Artificial life maintenance
      • External congenital anomaly
      • Treatment for alcoholism, drug or substance abuse
      • Treatment for injuries sustained in adventure or hazardous sports
      • Cosmetic or plastic surgery
      • Obesity or weight-control treatments
      • Hormone replacement therapy

      FAQs

      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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