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Care Health · CHIHLIP27061V032627

Care Supreme

Care Health Care Supreme (IRDAI UIN CHIHLIP27061V032627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (7 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Care Supreme is a health insurance plan from Care Health. Key specifications: plan type Individual and family floater, room rent Up to SI, pre-existing disease waiting 36 months. Among health insurance here it fits best for longer pre- and post-hospital cover.

Sample premium ₹12,292 a year*

*For: Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Up to SI
Pre-existing disease waiting
36 months
Sample annual premium
₹12,292

Pros

  • No co-payment on claims
  • No room-rent cap

Who should buy it

  • Best for Longer pre- and post-hospital cover · What matters most? (pick any) #10 of 53 health insurance for this

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured 100 lakh
Entry age From 18 years (adult); 90 days (child) (no maximum stated)
Room rent Up to SI
Co-payment None in base cover

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 180 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
No-claim bonus Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
Maternity Not covered
OPD Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on

Premium

Sample annual premium ₹12,292
Sample premium is for Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST

Insurer

Health incurred claim ratio (insurer) 64.53%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 22,100+ (as of Dec 2025)
IRDAI UIN CHIHLIP27061V032627

About the Care Supreme

Care Health Care Supreme (IRDAI UIN CHIHLIP27061V032627) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (7 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Care Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore
  • Entry age: From 18 years (adult); 90 days (child) (no maximum stated)
  • Room rent: Up to SI
  • Co-payment: None in base cover

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 180 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Unlimited Automatic Recharge: entire base sum insured reinstated, unlimited times in the policy year, for same or different illnesses
  • No-claim bonus: Cumulative Bonus 50% of SI per year, max. up to 100% of SI; shall not reduce in case of claim
  • Maternity: Not covered
  • OPD: Not covered in base (unlimited e-consultations with general physicians); Care OPD available as a separate add-on

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, none has a longer one and 21 have the same.

Premium

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹12,292 a year for this profile: Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST. Your premium will differ; get a quote from the insurer.

About the insurer

Care Health's health incurred claim ratio was 64.53% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Care Health states a network of 22,100+ (as of Dec 2025) hospitals.

Similar plans from other insurers

Other health insurance plans from Care Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Care Supreme

All health insurance →
  • Individual and family floater Plan type
  • No limits; any room of choice; no ICU day/charge limits Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Aditya Birla Health

Activ Fit

  • Individual and family floater Plan type
  • Any Room (SI Rs 5 lacs and above) Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • SI Rs 5-20 lakh: up to Deluxe room; SI Rs 25 lakh and above: any room Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹11,573 a year*

HDFC ERGO

Optima Restore

  • Individual and family floater Plan type
  • No sub-limit on room rent Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹19,589 a year*

Similar cover

Similar health insurance plans

Care Health

Care

  • Individual and family floater Plan type
  • Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹21,061 a year*

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Head to head

Compare the Care Supreme

Questions

Care Supreme FAQs

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹12,292 a year for this profile: Individual 1A, age band 18-35, Sum Insured Rs 10,00,000, annual, Zone 1, base gross premium excluding GST. Your premium will differ; get a quote from the insurer.

CHIHLIP27061V032627. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Up to SI.

Co-payment as stated by the insurer: None in base cover.

Maternity as stated by the insurer: Not covered.

60 days before and 180 days after hospitalisation.

5 lakh, 7 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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