Care Supreme Vikas Plan

Care Supreme Vikas Plan

Care Supreme Vikas plan is a comprehensive health plan that enables people to avail medical treatments at top hospitals at an affordable rate. It is a variant of the Care Supreme policy that offers similar coverage but at almost half of its premium price. However, the plan comes with a restriction on network hospitals and hospital room type, allowing multi-bed sharing rooms only.

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This Care health insurance policy offers day 1 coverage for pre-existing diabetes/ hypertension/ asthma and hyperlipidemia with the Instant Cover benefit. It also offers unlimited teleconsultations and automatically recharges the sum insured unlimited a year upon exhaustion. Moreover, the plan comes with consumables cover, annual health check-ups, women care services and mental health well-being cover.

Care Supreme Vikas Plan: Key Highlights

Benefits of Care Supreme Vikas Plan

Here are the key benefits of buying a Care Supreme Vikas plan:

1. Lowest Premiums

   This Care Supreme Vikas plan offers comprehensive medical coverage for a wide range of hospitalization and healthcare expenses at one of the lowest premiums in the industry.

2. Instant Cover

   With the Instant Cover benefit, policyholders can waive off their pre-existing disease (PED) waiting period and avail day 1 coverage for diabetes, hypertension, asthma and hyperlipidemia. However, this benefit is available as an optional cover.

3. Women Care

   The Women Care benefit offers cashless coverage for women-specific diagnostic tests, including mammography, cervical cancer screening and PCOS/PCOD tests. However, this benefit is available as an optional cover.

4. Unlimited Automatic Recharge

   If the sum insured gets exhausted before renewal, the unlimited automatic recharge benefit will automatically recharge your coverage amount unlimited times a year for the same or unrelated illnesses.

5. Annual Health Check-ups

   Policyholders can avail preventive health check-up benefits once a year with this Care health insurance plan. However, this benefit is available as an optional cover.

6. Wellness Benefit

   This health insurance plan offers a wellness discount of up to 30% on renewal premiums in case the policyholder achieves a daily target of 10,000 steps.

7. Unlimited Teleconsultations

   The Care Supreme Vikas plan allows policyholders to avail unlimited e-consultations with general physicians.

8. Cumulative Bonus

   The Care Health Insurance Limited rewards policyholders with a cumulative bonus that enhances the sum insured amount by 50% for up to 100% if no claim is filed in the previous policy year.

9. Health Services

   Under this mediclaim insurance policy, the insurer also offers health services, such as the Health Portal and Discount Connect, to policyholders. While the Health Portal allows people to access health tips and doctor chat, the Discount Connect enables them to earn discounts on doctor consultations, diagnostic tests, etc.

10. Tax Benefits

    Policyholders can earn tax deductions on the premiums paid to buy this Care health insurance policy under Section 80D, Income Tax Act.

Care Supreme Vikas Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a Care Supreme Vikas plan below:

Inclusions of Care Supreme Vikas Plan

The following medical expenses are included under the Care Supreme Vikas plan:

• In-patient Care – It covers the medical costs incurred from hospitalization of at least 24 hours.
• Pre-hospitalization Expenses – It pays for medical expenses incurred up to 60 days before hospitalization.
• Post-hospitalization Expenses – It covers the cost of follow-up consultations, diagnostic tests and therapies for up to 180 days after hospital discharge.
• Day Care Treatments – It pays for all day care treatments that require less than 24 hours of hospitalization.
• Domiciliary Hospitalization – It covers the cost of medical treatments availed by the insured at home on the recommendation of the doctor.
• Road Ambulance Charges – It pays for the charges incurred on availing road ambulance services.
• AYUSH Treatment – It covers the cost of treatments availed through Ayurveda, Siddha, Homeopathy, Yoga and Unani.
• Organ Donor Expenses – It pays for cost of harvesting the organ from the donor for the transplant surgery of the insured.
• Advance Technology Methods - It covers the cost of 12 advance technology methods availed by the insured.

Optional Covers:

• Instant Cover – It covers pre-existing hypertension, asthma, diabetes and hyperlipidemia from day 1 of the policy.
• Claim Shield – It pays for the cost of 68 non-medical items, such as cotton, masks, gloves, etc., used during hospitalization.
• Modification of PED Wait Period – It reduces the pre-existing disease waiting period from 3 years to 2 years or 1 year.
• Annual Health Check-ups – It covers the cost of preventive health check-ups once a year.
• Cumulative Bonus Super – It increases the cumulative bonus from 50% to 100% for up to 500% on every claim-free year.
• Air Ambulance – It covers the cost of availing air ambulance services during a medical emergency.
• Named Ailment Wait Period Modification – It reduces the waiting period for named illnesses from 2 years to 1 year.
• Deductible in Health Insurance – It allows the insured to opt for a deductible amount to reduce their overall premium.
• Co-payment – It enables the policyholder to opt for a voluntary co-payment to reduce their health insurance premiums.
• Plus Benefit – It provides an additional coverage amount equivalent to 20% of the sum insured to the policyholder.
• Be-Fit Benefit – It allows the insured to access fitness centres unlimited times a year.
• Women Care – It covers the medical expenses incurred on women-specific diagnostic tests and scans, such as cervical cancer screening, mammography and PCOS/PCOD tests.
• Mental Health Well-being – It pays for the cost of doctor consultations, counselling and rehab of listed mental illnesses, including anxiety, acute depression, obsessive compulsive disorder (OCD) and post-traumatic stress disorder (PTSD).

Exclusions of Care Supreme Vikas Plan

The Care Supreme Vikas plan excludes the following coverage:

• OPD cover expenses
• Treatment for alcohol or drug addiction
• Maternity expenses
• Obesity and weight-control treatments
• Treatment for self-inflicted injury
• Sterility and infertility
• Cosmetic or plastic surgery
• Treatment for injuries due to participation in hazardous sports
• External congenital anomaly

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