Care Supreme review
Unlimited restoration and 22,000+ cashless hospitals — but the highest complaint volume of the five.
Care Health Care Supreme scores 4.5/5 in our assessment. Care Health settles 95.45% of claims and draws 42.67 complaints per 10,000 claims. Cover runs ₹5 L – ₹1 Cr. Illustrative premiums start at ₹15,111 a year.
View policy document on Care Health's website ↗
- Our score
- 4.5 / 5
- Claim settlement ratio
- 95.45%
- Complaints per 10,000 claims
- 42.67
- Cover available
- ₹5 L – ₹1 CrTBD
- Entry age
- 18 yrs and above — no maximum entry age
- Term
- 1–3 years
- Room rent limit
- No limit on ₹10 L and aboveTBD
- Pre-existing disease wait
- 3 years
What Care Supreme covers
- In-patient hospitalisation in any room category
- Pre-hospitalisation for 60 days and post-hospitalisation for 180 days
- 400+ daycare procedures
- Modern treatments including robotic surgery and balloon sinuplasty
- Organ donor expenses in full
- Second medical opinion from an expert panel
- Emergency treatment overseas
Key features
- Unlimited automatic recharge — your cover resets for both related and unrelated illnesses
- Cumulative bonus of up to 100%, extendable to 500% or unlimited with an add-on
- Claim Shield Plus add-on covers 146 items hospitals normally bill you separately for
- Instant Cover add-on can cut the pre-existing disease wait from 3 years to 30 days
- Wellness tracking earns up to 30% off your renewal premium
- Pre-hospitalisation 60 days, post-hospitalisation 180 days, 400+ daycare procedures
Riders and add-ons
- Claim Shield / Claim Shield Plus
- Instant Cover (PED wait reduction)
- Cumulative Bonus Extension
- OPD Cover
- Air Ambulance
- Gym Membership
What Care Supreme does not cover
- Pre-existing conditions for the first 3 years, unless you add Instant Cover
- A list of 13 named conditions for the first 2 years
- Maternity and childcare expenses entirely
- Dental treatment unless it follows an accident
- Congenital conditions until year 10
- Experimental or unproven treatment
What does Care Supreme cost?
₹15 lakh sum insured, Delhi · annual premium incl. GST and mandatory add-ons. SBI General is quoted at ₹50 lakh, its minimum base cover.
| Profile | Annual premium |
|---|---|
| Individual, 25 | ₹15,111 |
| Couple — 31 & 32 | ₹21,528 |
| Family of 3 — 35, 34 & 5 | ₹27,161 |
| Senior couple — 62 & 63 | ₹78,923 |
What we like
- 22,100+ cashless hospitals — the widest reach, and it shows in tier-2 and tier-3 cities
- Unlimited automatic recharge is genuinely rare and matters in a bad year
- Instant Cover can cut the pre-existing disease wait to 30 days, which no one else here offers
- Cheaper than HDFC ERGO for families
- The add-on menu is the most flexible of the five
What we don't
- 42.67 complaints per 10,000 claims — nearly five times HDFC ERGO. This is the headline problem
- 95.45% settlement ratio is respectable but trails HDFC ERGO by two full points
- No complimentary annual health check-up
- Consumables need the paid Claim Shield add-on rather than being built in
- Room rent is capped on the ₹5 lakh variant
Our verdict
Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
Every score resolves to how we score plans — plan features 45%, insurer strength 45%, premium 10%.
Frequently asked questions
Is Care Health Care Supreme a good plan?
We score it 4.5 out of 5. Care Supreme has the better feature sheet and HDFC ERGO has the better claims desk, and which of those you weight more heavily should decide it. The unlimited recharge, the 22,100-hospital network and the Instant Cover add-on are all real advantages, especially if you live outside a metro or have a pre-existing condition you want covered quickly. But 42.67 complaints per 10,000 claims is a number we will not talk you past — it means roughly one in every 234 claims ends up escalated. Buy this for the network and features, with your eyes open about servicing.
What is the claim settlement ratio of Care Health?
95.45%, as a three-year average for FY 2024–26 from IRDAI disclosures. Care Health receives 42.67 complaints per 10,000 claims.
How much cover can I take under Care Supreme?
₹5 L – ₹1 Cr. Entry age is 18 yrs and above — no maximum entry age.
What does Care Supreme not cover?
The main exclusions are: Pre-existing conditions for the first 3 years, unless you add Instant Cover; A list of 13 named conditions for the first 2 years; Maternity and childcare expenses entirely; Dental treatment unless it follows an accident; Congenital conditions until year 10; Experimental or unproven treatment.
Sources
- Care Health — Care Supreme prospectus cum sales literature (UIN CHIHLIP27061V032627 — the correct product; an earlier delivery supplied the plain "CARE" plan, CHIHLIP26055V092526, by mistake) — Section 1 Eligibility Criteria
- Care Health — Care Supreme Policy Terms & Conditions (effective 29 April 2026, same UIN) — Section 5.1.1 (PED, Excl01, 36mo); 5.1.2 (specific illness, Excl02, 24mo); 3.1.4 Unlimited Automatic Recharge; 3.1.3/3.2.10 Cumulative Bonus and Cumulative Bonus Super; Excl18 Maternity
Last verified
TBD marks a figure we have not yet confirmed against the insurer's own policy document. We publish it because it is our current best understanding, and we flag it because it is not yet sourced.
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Disclaimer: Figures shown here are compiled from IRDAI annual reports and public grievance disclosures, and from insurer public disclosures and policy wordings. Claim settlement ratios and complaint volumes are three-year averages for FY 2024–26. Premiums are indicative illustrations for the stated profile, not quotes — your actual premium depends on your age, health, city, habits and underwriting. Scores are Myinsurancebro's own assessment. Always read the official policy document and speak to an advisor before buying. Myinsurancebro is an IRDAI-licensed insurance advisor — we do not manufacture or underwrite any insurance product.