Care Health Care Supreme — At a Glance
Care Supreme is Care Health’s (formerly Religare Health’s) flagship plan. It combines competitive clause structure — no room rent sub-limit on qualifying SI bands, consumables covered, unlimited restore on Plus variant — with the largest hospital network among standalone health insurers (22,300+). The primary concern: Care Health’s CSR of 90.1% is the weakest among Priority-1 standalone health insurers.
Policy Clause Analysis
Room Rent
No sub-limit on SI of ₹7 lakh and above. Private room covered at actual cost. On SI below ₹7 lakh, verify the specific schedule. The absence of room rent cap on standard SI levels is a competitive strength.
Consumables
Covered in base plan. Hospital consumables included in covered expenses. The specific schedule should be read to confirm scope.
Restore Benefit
Different illness (base plan) / same illness unlimited (Plus add-on). Verify at purchase which variant you hold. The Plus add-on brings Care Supreme to parity with Niva Bupa ReAssure 2.0 on this specific clause.
NCB
Up to 150% of original SI — the highest compounding available. 10% increase per claim-free year up to this cap.
Hospital Network
22,300+ — the largest empanelment count. Important caveat: empanelment count is not the same as uniformly active cashless hospitals. Verify specific hospitals in your city via the Care Health website.
Care Supreme vs. Niva Bupa ReAssure 2.0 — Side-by-Side
| Feature | Care Supreme Plus | Niva Bupa ReAssure 2.0 |
|---|---|---|
| Room Rent | No sub-limit (₹7L+ SI) | No sub-limit |
| Consumables | Covered | Covered |
| Restore | Unlimited (same illness) | Unlimited (same illness) |
| NCB | Up to 150% | Booster pool |
| Network | 22,300+ | 10,000+ |
| CSR (FY24) | 90.1% | 91.1% |
| Premium | Lower | Higher |