Care Health Supreme Vikas Insurance Plan

Care Health Supreme Vikas Insurance Plan is a modern health insurance solution popular in India in 2025. Recognized for its broad coverage and flexible options, this plan has become a top pick for individual policyholders and families who want peace of mind about their medical finances. The Care Supreme Vikas policy addresses the changing healthcare needs, rising hospitalization costs, and medical emergencies, making health security more accessible across urban and rural India.

The package includes coverage for medical expenses like hospitalization, pre and post hospitalization, daily allowances, daycare procedures, and various wellness support. With upgrades from previous years, it ensures policyholders stay financially stable during health crises, including both planned and sudden treatments.

Did you know?
Experts in the Indian insurance sector note that more than 40 percent of new health policies bought online in 2025 are “comprehensive”. This kind of plan tops the chart as families seek better protection against unpredictable healthcare costs.

What Makes Care Health Supreme Vikas Policy Stand Out?

This policy offers more than just hospitalization cover. Backed by a user-friendly claim process and digital management, Supreme Vikas caters to today’s tech-savvy customers. It promotes wellness by providing annual health checkups and discounts for maintaining a healthy lifestyle.

The Care Health Supreme Vikas plan is designed to meet the growing demand for higher sum insureds, restoring benefits, cashless treatments, and no claim bonus features. It also supports family coverage, including dependents and senior citizens, which makes it relevant for joint families and those with ageing parents.

People also ask:

Q: How is the Care Health Supreme Vikas Insurance Plan better than a basic health policy?
A: Supreme Vikas offers wider coverage, higher policy limits, and extra wellness add-ons compared to a base plan. It also features cashless hospitalisation and out-patient benefits rarely found in basic plans.

What are the Key Features of Care Health Supreme Vikas Plan?

Some distinguishing highlights help this plan stand tall in a crowded market:

• Large range of sum insured options from 5 lakh to 2 crore rupees.
• Cashless treatment at over 25,000 network hospitals across India.
• Restoration of sum insured up to 100 percent for unrelated and unrelated illnesses.
• Annual health check-up for all insured members (irrespective of claim status).
• 15 unique add-on covers like personal accident, critical illness, and maternity cover.
• No claim bonus up to 150 percent of the sum insured if no claims are made.
• OPD (out-patient) consultation coverage at network clinics.
• Alternative treatment expenses (AYUSH) for Ayurveda, Homeopathy, etc.
• Quick digital claim settlement and hassle-free support through the Care Health app.
• No room rent capping in most cases, giving choice in selecting any hospital room.

Key Highlights of this Plan at a Glance:

Expert Insight:
Leading industry analysts forecast a 25 percent rise in high sum insured adoption for health insurance in 2025 as more families prioritise financial security for medical emergencies.

People also ask:

Q: Can I purchase Care Health Supreme Vikas for my parents above 60 years of age?
A: Yes. The plan allows entry for all ages above 91 days, with no maximum entry limit, making it suitable for senior citizens.

Who Should Choose Care Health Supreme Vikas Insurance Plan?

This policy fits:

• Urban and semi urban families seeking comprehensive cover.
• People aiming for high sum insured due to lifestyle diseases or inflation.
• Those desiring wide hospital network for cashless treatment.
• Parents wanting to include dependent children and elderly family members.
• Individuals or couples planning maternity or looking for newborn cover.
• Customers valuing add-on flexibility like OPD, critical illness or accidental cover.

Whether you are a salaried professional in Mumbai or a business owner in Jaipur, Supreme Vikas has sum insured and premium variants for every budget segment. Portability feature helps switch from existing plans without losing benefits.

What are the Pros and Cons of Care Health Supreme Vikas Policy?

Let us compare the key advantages and drawbacks of this policy for a transparent view.

Pros

• Broad coverage for hospitalization, OPD, AYUSH, daily cash.
• High sum insured suitable for major surgeries and cancer treatments.
• Flexible add-on covers for customization.
• Health rewards and discounts for healthy living.
• Extensive hospital network for easy claims.
• No room rent cap on most plans.

Cons

• Waiting period for pre-existing diseases and maternity cover.
• Premium could be higher for high sum insureds.
• Sub-limit on some treatments under basic variant.
• Certain day care procedures may need add-ons for full coverage.
• Ambulance and domiciliary treatment could be capped in basic variant.

Did you know?
Doctors highlight that cashless settlement times have dropped to under two hours on average at top network hospitals, making health insurance even more attractive.

People also ask:

Q: Does this plan cover home treatment or domiciliary hospitalization?
A: Domiciliary cover is provided, but terms differ as per the variant. It is wise to check specific policy details for eligibility and limitations.

Comparison of the Care Health Supreme Vikas Policy with other Insurance Plan:

People also ask:

Q: Is it worth upgrading to Supreme Vikas from my existing Care Health policy?
A: Yes, if you need bigger sum insured, want wider coverage or premium features like unlimited restoration or OPD without paying extra for each add-on.

What are the Policy Terms and Entry Conditions of this plan?

The eligibility and policy rules to remember are:

• Minimum entry age: 91 days, making it suitable for infants.
• No maximum entry age, ideal for senior members.
• Mandatory pre-policy health check-up may apply for applicants above 45 or certain medical conditions.
• Waiting period: 30 days (except accident), two to four years for pre-existing illnesses.
• Family floater and individual options available.
• Renewal: Lifetime; policy can be renewed lifelong without age cap.
• Grace period: 30 days from the due date for renewal.
• Portability: Allowed as per IRDAI guidelines if switching from another insurer.

Expert Insight:
The Insurance Regulatory and Development Authority of India (IRDAI) updated guidelines in January 2025, enabling smoother claim settlements and enhancing add-on customisation for all retail policies.

People also ask:

Q: Are annual health check-ups really free or do they come with conditions?
A: Health check-ups are actually complimentary every year, for all insured persons covered, without any additional terms.

How to Claim and Use Care Health Supreme Vikas Benefits?

The process has gone digital for quicker results in 2025:

• Download the Care Health (Religare) mobile app or use the official portal.
• For cashless claims:
  • Show e-health card in network hospital, submit KYC and intimation form.
  • Hospital and insurer settle bills directly for approved amount.
• For reimbursement:
  • File required documents with diagnosis, discharge summary, prescriptions and bills online within 30 days.
  • Amount is transferred directly to your bank after audit.
• Helpline: 24x7 toll free numbers and email for assistance.
• Track status and download claim intimation from app at every stage.

Claim approval rate crossed 95 percent in 2025, showing high trust and efficiency.

How Affordable are Premiums in 2025?

While final premium depends on city, age, and sum insured, below is an estimate for reference:

Installment options are available at no extra charge. No claim or online buying discounts may reduce annual cost by up to 15 percent.

People also ask:

Q: Are there any discounts or offers for renewals or online purchase?
A: Yes, Care Health offers 5 to 15 percent off for buying or renewing online, plus wellness incentives for healthy lifestyle features.

Value-Added Services / Benefits of this Plan:

Supreme Vikas offers extra benefits for diverse needs:

• Personal Accident Cover: Lump sum payout on accidental death or disablement.
• Critical Illness Rider: Extra insurance for major illnesses like cancer, kidney failure, etc.
• Maternity and Newborn Baby Cover: Available with short waiting period and OPD visits.
• Daily Hospital Cash: Fixed daily payment during hospitalization.
• International Second Opinion: Consult with medical experts worldwide for critical illnesses.
• Home Healthcare: Doctor home visits, medicines delivery, post discharge care.

Choose add-ons during enrolment or at renewal for added protection and customization.

Did you know?
Consumer study in April 2025 revealed 68 percent of users prefer plans with outpatient, wellness, and mental health covers as add-ons, making them a new standard in premium policies.

TLDR: Quick Recap

Care Health Supreme Vikas Insurance Plan in 2025 is a comprehensive and customizable medical insurance policy suitable for Indian families and individuals. With high sum insured options, cashless access at a large hospital network, wellness and digital features, and flexibility through add-ons—it is among the most popular solutions for modern healthcare needs. Buyers should compare policy variants, check waiting periods, and use digital tools for smooth claim processing.

FAQ: People Also Ask About Care Health Supreme Vikas Insurance Plan

Q1: Does the Supreme Vikas plan cover pre-existing diseases from day one?
No, it has a waiting period of 2 to 4 years for pre-existing conditions.

Q2: Can I buy and manage the policy online?
Yes, both purchase and claims can be handled digitally via the Care Health website or mobile app.

Q3: What happens if I change city or job after buying the plan?
Coverage continues pan India with no change in benefits, as the plan is valid throughout the country.

Q4: Can this plan be ported from another insurer?
Yes, portability is allowed as per IRDAI guidelines, subject to policy conditions.

Q5: Does the plan have room rent limits or co-payment clauses?
Most variants have no room rent cap; check your specific policy schedule for co-payment clauses.

Q6: Are dental or vision expenses covered?
OPD coverings sometimes include dental or vision if the add-on is taken. Check inclusions at purchase.

Sources:

Care Health Insurance
Industry Reports 2025
Consumer Insights 2025