Care Health Insurance

Care Supreme is the flagship retail health plan from Care Health. Sum insured ranges from ₹7 lakh to ₹1 crore. The plan is available as individual or family floater. Pre- and post-hospitalisation expenses are covered for 60 days before and 180 days after hospitalisation.

What sets Care Supreme apart is its No Claim Bonus Super — your sum insured increases by 50% over 5 claim-free years. For Indian families wanting a single retail health plan that handles most scenarios from a young family to senior years, this is one of the most-recommended options. Add the No Extra Premium for Disease Coverage feature, and the plan covers most pre-existing conditions after the waiting period without separate premium loading.

Care Freedom (₹3-10 lakh sum insured) is designed for buyers with pre-existing illness or post-surgery health profiles. It offers shorter waiting periods on PEDs, making it accessible for those who get rejected on standard plans.

Care Heart (₹7 lakh to ₹1 crore) is specifically for heart patients — people with cardiac history who want comprehensive cover including cardiac rehabilitation. This plan addresses one of the largest unmet needs in Indian health insurance: cover for people who already have a documented condition.

Care Senior (₹3 lakh sum insured) is designed exclusively for senior citizens. The plan addresses higher entry ages, includes a Co-Payment Waiver rider option for seniors, and provides cover for age-related conditions.

Co-payment is the percentage of bills you share with the insurer at claim time. The Co-Payment Waiver rider removes this obligation, making the plan more like a regular health plan in terms of out-of-pocket exposure. Coverage spans hospitalisation, ambulance and post-discharge expenses up to 180 days.

Care Enhance top-up plans (₹1-30 lakh sum insured) are designed to layer on top of an existing health policy. For families with an existing employer group cover or a base retail policy, a top-up is the cheapest way to dramatically extend total cover.

Available as individual and family floater. Top-up health insurance is among the most under-utilised products in Indian retail — a small additional premium can multiply your effective protection by 3-6x.

Care Health offers condition-targeted plans for diabetes, thyroid, blood pressure, cancer, children and women. These are tailored for buyers who would otherwise face higher premiums or rejection on standard plans due to a specific medical history.

Diabetes-specific plans have shorter waiting periods on diabetes-related claims. Cancer plans pay lump-sum benefits on diagnosis and may continue cover for chemo and radiation costs. Speak to a Policywings advisor to identify the right specialised plan for your specific condition.

Care Health offers several powerful riders. Air Ambulance Cover for emergencies requiring rapid evacuation. Co-Payment Waiver for Senior Citizens removes the shared-cost requirement at claim time. Reduction in PED Waiting Period brings the standard 3-year wait down to 1-2 years.

Care OPD provides 4 general and 4 specialist consultations per year — useful for ongoing health management. No Claim Bonus Super adds 50% sum insured over 5 claim-free years. Riders make the plan more flexible for specific use-cases without re-pricing the base policy.