🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
The selection of the appropriate health cover is crucial to all Indian families, and with a growing healthcare rate in 2025. Religare Health (Care Health Insurance as it was previously known) is renowned by its specialized products and two of its best products include Care Heart Plan and Care Supreme Combo Plan. Both are addressing the needs of various persons, with a clearer insight on their differences, you can make the most beneficial choice in terms of health and financial stability.
The Indians are more sensitized to the need of specific health insurance due to the healthcare reforms and lifestyle changes. Care Heart Plan is specifically designed to cover those people who already have a heart related condition, and Care Supreme Combo Plan has the most comprehensive coverage to families, employees and people who would like to have it all. These plans are very specific in 2025 with the progress in medical treatment and their increased costs.
Did you know?
Recent IRDAI statistics indicate that in 2024, more than 30 percent of health claims were connected with heart problems, and thus specialized health insurance, such as Care Heart, became more and more topical.
Care Heart Plan is designed to suit individuals with heart conditions or those who have been treated of the ailment. Here are the highlights:
Pros
Cons
People Also Ask
Is Care Heart Plan exclusively heart patients?
Yes, particularly to those persons or families of known heart condition or cardiac illness history.
The Care Supreme Combo Plan would suit a person who wants to have a broad insurance plan. It is a package of the necessary covers of hospitalization, critical illness, personal accident and others.
Pros
Cons
Expert’s Insight
According to financial planners in India, families having different medical history should take combo plan so that they get wider protection, and cardiac patients can take specific plans such as Care Heart.
A comparison of policy benefits shows some significant differences:
Care Heart Plan
Care Supreme Combo Plan
| Included | Care Heart Plan | Care Supreme Combo Plan |
|---|---|---|
| Entry Age (Adult) | 18 to 65 years | 18 years and above. |
| Coverage Amount | 3-10 lakh | 5 lakh -1 crore. |
| Appropriate To | Cardiac patients | Cardiac patients Families and individuals. |
| Pre-existing Illness Insurance | All, after waiting | |
| OPD Cover | No | Yes |
| Maternity/Newborn | None ( | Yes (optional) |
| Modern Treatment cover | Yes | Yes. |
| Premium (est. annual, 30yrs, 5L) | Rs 5,800 | Rs 7,900 |
| Health Checkup | Yes | Yes |
| Tax Relief under 80D | Yes | Yes |
People Also Ask
Is the Care Supreme Combo Plan inclusive of heart diseases?
Yes, it includes heart diseases and other diseases, still, there may be add-on riders required by specific cardiac treatments.
The medical history of the policyholder is keenly scrutinized by the insurers in India. Care Heart is providing straight admission where the patient undergoes less medical examination to be admitted to the care center. Care Supreme Combo, conversely, offers a broader underwriting standard with an overall higher disclosure requirement with large sum insured.
Did you know?
The Supreme Combo Plan in 2024 boasted of more than 97 percent claim settlement ratios, which is high compared to multi-disease products.
One of the most important aspects is premium costs:
| Age | Care Heart Plan | Care Supreme Combo Plan. |
|---|---|---|
| 30 | Rs 5,800 | Rs 7,900 |
| 40 | Rs 7,150 | Rs 9,600 |
| 50 | Rs 9,400 | Rs 13,200 |
The products are both supported by a robust digital claims platform offered by Care Health Insurance, and clients in 2025 report:
People Also Ask
What is the mean time of claims processing?
Simple hospitalization claims require only 48 hours to be processed, and Care Supreme Combo can use 48-72 hours in case of multi-condition admissions in Care Heart.
Expert’s Insight
The insurance advisors of 2025 widely prescribe cashless claim options in an attempt to save out of pocket expenses particularly in planned treatments.
All insurance policies contain some exclusions:
The best insurance of heart patients in India 2025?
Care Heart Plan is one of the superior ones when it comes to people having known cardiac problems.
Can I buy both plans together?
Yes but it is not usually necessary. Select the one that suits your health condition and family demographics.
How old are the renewal age of these plans?
The two plans tend to provide a lifelong renewal provided that the premiums are paid on schedule.
The Care Heart Plan and Care Supreme Combo Plan are both very strong on covering the medical expenses, though determining which one to choose should be based on your own or family medical history and future requirements. Talk to a good insurance consultant and never overlook the policy language.
Is it possible to cover the existing illnesses at all?
There is no, both plans have pre-existing illness waiting.
Is there a cashless facility?
Right, both policies offer a very vast range of cashless hospitals in India.
Are such plans provided with health check-ups?
Yes, they both include preventive health check-up benefits that are annual.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
