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Care Insurance Care Supreme

Introduction to Care Insurance Care Supreme

Care Insurance Care Supreme is a health insurance policy offered by Care Health Insurance. A health insurance plan promises to pay for hospitalization expenses as well as expenses incurred before and after a hospitalization. Care insurance's Care Supreme Plan provides highly flexible coverage and a variety of benefits, making it a popular choice in the market.

Verdict: Care Insurance Care Supreme

This plan is slightly less expensive than other plans on the market today. One of the distinct features of this plan is that its No Claim Bonus can accumulate up to 600%. However, you cannot choose a sum insured greater than 15 lakhs, and the plan is only available as a floater, not on an individual basis. This means that you can only purchase this plan if you want to cover two or more people. It also does not allow you to 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

  • arrow Slightly cheaper than other products in the market
  • arrow No restrictions on the type of hospital room you choose
  • arrow Offers No Claim Bonus up to 600%
  • arrow Maximum sum insured you can choose is ₹15 Lakhs
  • arrow Only available for families, not individuals
  • 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

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
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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 Gurgaon, Haryana. Mr. Anuj Gulati is the company's CEO and MD.

Founded in
JV Partners
Turnover (GWP)
2666.45 Crores
Number of Policies
Number of Claims

Detailed Product Specs: Care Insurance Care Supreme

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
% of Complaints received on overall claims
% customers unhappy with claims experience
Claims Incurred Ratio
Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?
No. of Cashless Hospitals

  1. The health insurance data was last updated in January 2023. All data has been sourced from product brochures, policy wordings, prospectus, public disclosures (FY 2021-2022), insurer websites, and the IRDAI website.
  2. Only plans that are currently available for purchase online have been considered.
  3. For now, we have considered the most comprehensive plans from leading insurance companies. We will keep updating the Decoder Pages with new plans in the coming days.
  4. The affordability of the plans is assessed using premiums for a family of two adults and one child. And, the premiums are as of 31st December 2022.
  5. The product benefits section is based on a sum insured of ₹10 Lakhs and only highlights the top benefits and features of the plans. We will keep updating the Decoder Pages with new benefits and features periodically.
  6. Only those hidden and special conditions that apply to the benefits and features we have considered are included in the Decoder Pages. 
  7. The Decoder Pages only include the most significant specific exclusions under each plan.
  8. The Decoder Pages do not include any generic terms, conditions, or exclusions (those that are the same and apply to all health insurance plans).
  9. 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). 
  10. The claims experience data has been sourced from insurance company websites and public disclosures as of March 31, 2022.
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