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Care Insurance Care Supreme with Instant Cover Rider logo

Care Insurance Care Supreme with Instant Cover Rider

Introduction to Care Insurance Care Supreme with Instant Cover Rider

Care Health Insurance Company offers a comprehensive health insurance policy called Care Supreme along with an add-on called the Instant Cover. If you opt for this add-on along with Care Insurance's Care Supreme Plan, you can get coverage for PEDs like asthma, diabetes, hypertension, and hyperlipidemia from day 31. This plan offers comprehensive coverage and a wide range of benefits and features that cater to your unique healthcare needs, ensuring that you can prioritize your well-being without the worry of exorbitant expenses.

Verdict: Care Insurance Care Supreme with Instant Cover Rider

This plan covers medical expenses related to PEDs like asthma, diabetes, hypertension, and hyperlipidemia from day 31. It is reasonably priced in comparison to other plans in the market today and offers comprehensive coverage. The No Claim Bonus under this plan can accumulate up to 600%. However, it doesn't allow you to choose a sum insured greater than 15 lakhs. You also cannot pay the premiums on a monthly basis. Furthermore, according to our research, the insurer has received a higher number of claim settlement and policy purchase complaints. This implies that the insurer has a poor track record in terms of both purchasing and claims service.

Pros & Cons: Care Insurance Care Supreme with Instant Cover Rider

  • arrow Fairly priced in comparison to other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Covers medical expenses related to asthma, diabetes, hypertension, hyperlipidemia from day 31
  • arrow Offers No Claim Bonus up to 600%
  • arrow Covers non-medical expenses or the cost of consumables such as gloves, oxygen masks, nebulization kits, etc.
  • arrow Maximum sum insured you can choose is ₹15 Lakhs
  • arrow Monthly premium payment mode not available
  • arrow Received higher number of complaints during policy purchase compared to other insurers
  • arrow Received higher number of complaints on claim settlement compared to other insurers
  • arrow Our study observed their responses on Twitter to be relatively slower than other insurers

Specific Exclusions: Care Insurance Care Supreme with Instant Cover Rider

01 Injury or illness directly or indirectly due to participation in professional or semi-professional naval, military, or air force operations or aviation
02 External durable equipments of any kind used for diagnosis or treatment, unless necessitated due to accident
03 Expenses related to hair fall treatments and products
04 Expenses for screening, counseling or treatment related to external birth illness, defects or anomalies
+ Show 9 more

Special Conditions: Care Insurance Care Supreme with Instant Cover Rider

01 Super NCB results in an increase in sum insured that is over and above the increase in sum insured earned through NCB
02 In case of portability, the credit of sum insured would be available only to the extent of sum insured of the expiring policy, including the recharge

About Care Health Insurance Company Limited

Care Health Insurance Company Limited logo

Care Health Insurance (formerly known as Religare Health Insurance Company Limited) is a specialized health insurance company in India. The company provides Health Insurance, Top-up Coverage, Personal Accident, Maternity, International Travel Insurance, and Critical Illness products in the retail segment, as well as Group Health Insurance and Group Personal Accident Insurance for Corporates, etc. It was founded in 2012 and is headquartered in Gurugram, Haryana. Mr. Anuj Gulati is the company's CEO and MD.

Founded in
2012
JV Partners
-
Turnover (GWP)
1404.65 Crores
Number of Policies
4,95,554
Number of Claims
2,40,684

Detailed Product Specs: Care Insurance Care Supreme with Instant Cover Rider

Claims Experience advisor
Customer Service advisor
Product Benefits (10L Sum Insured) advisor
Limits and Exclusions advisor
% of claims settled in less than 30 days
Reflects on the speed of settling valid claims
99.99%
% of Complaints received on overall claims
% customers unhappy with claims experience
0.51%
Claims Incurred Ratio
56.19%
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
85.64%
No. of Cashless Hospitals
22,900+

Notes
  1. The health insurance data was last updated in June 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (Q1, FY 2023-2024), IRDAI annual report (2021-22), insurer websites, and the IRDAI website. 
  2. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the product pages with new plans in the coming days.
  3. We have rated only those plans that can be serviced by individual advisors. This is because of our strong belief that health insurance customers need professional assistance from individual advisors before and after purchase. We do not recommend and hence do not rate direct-to-customer health insurance plans or plans where there aren't enough advisors available to service. 
  4. Affordability assessment of plans: 
    • The affordability of comprehensive plans is assessed using premiums for a family of two adults (30 years old) and one child (1 year old) residing in Zone 1 opting for a cover of ₹10 Lakhs. And, the premiums are as of 31st June 2023.
    • The affordability of Care Freedom Plan is assessed using premiums for a 30-year-old male residing in Zone 1 opting for a cover of ₹5 Lakhs. And, the premiums are as of 31st June 2023.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of health insurance plans. 
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the product pages. 
  7. The product pages only include the most significant specific exclusions under each plan.
  8. The product pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. If the policy wording, brochure, or prospectus state that a benefit/feature is available with a specific plan but it is not available online when generating the premium quote, we have not considered that benefit/feature to be available with the plan.
  10. The response time on Twitter (Beta) was calculated using a sample set of tweets from April, May, and June 2022 (analyzed in August, September, and October 2022). 
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