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Care Super Mediclaim Health Insurance

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Care Health Insurance
Super Mediclaim
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Super Mediclaim Health Insurance

The medical insurance plan provides indemnity cover for individuals and families. It is simple to understand and easy to purchase. Available in four variants to offer flexibility to customers for selecting features as per their needs. Different types of variants available under the plan are Critical Mediclaim, which covers a comprehensive list of 32 defined critical illnesses; Cancer Mediclaim that offers the coverage to defined Cancer; Heart Mediclaim covers 16 defined heart-related critical illnesses; and Operation Mediclaim, where all defined surgical procedures are covered.

Numerous benefits and affordable rates make this plan become a great option for everyone. The proposer of this plan should be above the age of 18 years, as no exit age is there under the plan, but it offers coverage to kids from the age of 91 days to 4 years on a family floater basis and 5 years on an individual basis with lifelong renewability option. The plan allows the coverage of a maximum of up to 6 persons for one, two or three years. Loaded with a wide range of sum insured from Rs. 1 Lakh to Rs. 6 Crore, the plan can be owned by simply paying the premium on a single, monthly or quarterly basis.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Coverage for in-patient care
  • Daycare treatment is covered
  • Pre and post hospitalisation expenses
  • Availability of annual health check-up
  • No claim bonus maximum up to 100% of SI

What's Not Included

  • Treatment of alcohol or drug use/misuse/abuse
  • Mental illness or psychological disorder treatment
  • Self-inflicted injury due to a suicide attempt etc.
  • Congenital anomaly or birth defects treatment
  • Cosmetic or plastic surgery related treatment

6003 Care Cashless Network Hospitals in India

Choose Care Health Insurance Critical Illness Plan

Super Mediclaim User Reviews

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What users are saying
  • All
  • Prompt service

    I used InsuranceDekho to issue a health plan for myself. But I wanted a flexible plan so that I could keep the option open to include another member in my plan if necessary. I found Care Health Insurance’s Super Mediclaim Plan. The website provided a prompt service.

    By Satarupa Bose
    On: Feb 15, 2021
  • Choose the best company easily

    Information about the claim settlement ratios and availability of network hospitals of all the best insurance companies are mentioned through visual charts on InsuranceDekho. It was effortless to understand the differences. I purchased Care Health Insurance’s Super Mediclaim plan.

    By Rajlaxmi Nanda
    On: Feb 01, 2021
  • Informative website

    I had little idea about health insurance until I used I saw that they have explicit details about health insurance. This made me realise the importance of it. Not only that, their information convinced me to buy the Super Mediclaim plan of Care Health Insurance. I found the website very informative.

    By Samrat Naskar
    On: Nov 30, 2020
  • Expert guidance

    I contacted InsuranceDekho to issue a health insurance policy for myself. The official paid attention to my purpose and guided me on how I could select the best suitable policy. I chose Care Health Insurance’s Super Mediclaim Health Insurance Plan.

    By Ganesh Khatua
    On: Nov 27, 2020
  • A plan for lifetime.

    The Super Mediclaim is a very fine plan in my view. I am using it for more than a year. It has been a great deal as it offered me extensive coverage n beneficial benefits. It is an ideal plan for my family n i will be renewing it for lifetime.

    By Roshan Tiwari
    On: Mar 02, 2020

Add-ons to Enhance Benefits

  • Deductible Option

    With this add-on option, the policyholders get entitled for a reduction on their premium amount. After assessing the claim amount for a particular claim request, the claim shall be reduced equal to the deductible amount chosen by the policyholder. The insurer is liable to make payment for a claim only on the exhaustion of deductible on that claim. The deductible amount shall be applicable on an aggregate basis for all claims requested by the insured individual in a policy year.

  • Co-Payment Option 

    By opting this optional benefit, the customers will have to bear a co-payment of 20% per claim, while the liability of insurer would be restricted to the balance amount payable. This add-on feature is applicable only in case if the age of the insured person is 61 years or less. 

  • Unlimited Automatic Recharge

    By choosing this optional cover, people can get their sum insured re-instated unlimited times. It is a boon at times whenever someone needs an extended sum insured. If someone runs out of health coverage due to claims made, this cover will re-instate the entire sum insured unlimited times in a policy year. But the policyholder can use the recharge amount only under hospitalisation expenses. The re-instated amount can be used by the proposer only for future/further claims, which should not be related to the illnesses or injuries for which the claim has already been made during the same policy year. Any unutilised recharge cannot be carried forward to any subsequent policy year. Benefits like No Claims Bonus etc., are not considered while computing 'Unlimited Automatic Recharge'.

  • International Second Opinion

    It is an extended version of the second opinion feature and therefore, all the provisions stated under the second opinion works for this option as well.

  • Room Rent Modification

    By opting for this add-on, the policyholders will not have to experience any limit on room rent or room category during hospital accommodation for in-patient care for listed covered conditions. However, to avail this benefit, the policyholder needs to have a sum insured of Rs. 5 Lakh or more. Also, this option is not valid in case of a claim made under global coverage benefit.

  • Additional Sum Insured for Accident

    With the help of this accidental hospitalisation benefit, a policyholder will be eligible to get an additional sum insured equal to the sum insured for in-patient care for emergency care of any injury due to an accident during the policy period. A little extra premium is to be paid to avail this option. 

  • Air Ambulance Cover

    Through this benefit, the policyholders will get the amount specified in the policy by the insurer for availing air ambulance services in India. These services are offered by a hospital or by an ambulance service provider, necessary transportation from the place of occurrence of a medical emergency, to the nearest hospital. The customers are also eligible to receive necessary transportation fares from one hospital to another hospital, for latest or advanced equipped medical aid required for rescuing the health condition. 
    However, the benefit is offered, only, if the treating doctor certifies the severity of the disease, which raises the requirement for the air ambulance. However, the option is available through the cashless facility, but customers can also use the reimbursement option in the situation of a life-threatening medical condition. 

  • Reduction of PED Wait period

    Selecting this add-on benefit helps in lessening the applicable waiting period of 48 months for pre-existing illnesses to claims related procedures to 24 months. However, one should remember that this optional or additional benefit is available only at the time of inception of the health insurance policy and only for the sum insured amount chosen at that time. 

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Care Super Mediclaim Expert Review

  • Expert Review

    Religare is a leading name in the health insurance sector. It is known as a trusted brand for delivering the best plans at the best price. Super Mediclaim plan of Religare is widely praised for offering a wide range of benefits and being available at affordable prices. Equipped with 4 different variants such as Critical Mediclaim, Cancer Mediclaim, Heart Mediclaim, and Operation Mediclaim, the plan tries to deliver the benefits and features in a customised manner. People can choose a variant as per their requirements and affordability.

    Super Mediclaim Plan begins its coverage offering from the age of 91 days. The plan is meant to look after all as it doesn’t have any exit age. However, the proposer of the plan should be of 18 years and above. It is available on an individual as well as family floater basis so that it can cover anybody and everybody in the family. The sum insured amount of the plan ranges from Rs. 1 Lakh to Rs. 6 Crore, irrespective of the variant you choose. Based on the needs, policyholders can opt for the policy for the tenure of 1, 2 and 3 years.


  • Major Attractions

    When it comes to salient features available under Super Mediclaim Plan, a long list is attached to the plan. Opting for this plan, policyholders are offered with different benefits such as inpatient care, pre and post hospitalisation expenses, domiciliary hospitalisation costs, living organ donor transplant, and several other medical expenses. Super Mediclaim Plan by Religare can be considered as a comprehensive and perfect package for anyone and everyone. In addition to this extensive range of beneficial features, the policy also includes:

    • OPD expenses for up to 1% of the SI and max up to Rs. 25,000
    • Alternative treatments for up to 25% of the Sum Insured 
    • Daycare treatments and procedures for up to the Sum Insured
    • Chemotherapy and Radiotherapy cover up to the Sum Insured
    • Coverage for ambulance cost up to Rs. 3000 per hospitalisation
    • Organ Donor cover for up to the SI or Rs. 15 Lakh, whichever is lower
    • No Claim Bonus (NCB) is provided for max up to 100% of the SI
    • Second Opinion Benefit is offered once per covered condition per policy year
  • What’s More?

    Super Mediclaim is a perfect health insurance policy for every individual and family. It safeguards the insured members from common illness to critical ones. The plan is an easy and right choice to make for anyone looking for a health insurance plan. The plan gets appreciation among customers due to its various extra features and benefits such as:

    • Lifelong renewability option 
    • 15 days free look period is offered
    • Direct claim settlement by the Religare team
    • Tax benefit as per Section 80D of IT Act  
    • Doctor on call facility either through telephonic or online mode
  • Conclusion

    Going through these many benefits and features, it can easily be concluded that Super Mediclaim plan by Religare is a value for money policy. It provides the coverage for almost every requirement of people seeking medical aid. Though some significant benefits are a part of the add-on and can be availed only on paying a little extra, still plan is good enough to meet the medical emergencies of diverse nature. 

    One can easily get this policy online either through the official website of Religare or through InsuranceDekho, an insurance broker. The latter won’t just sell you the plan but also deliver every answer to your query and assistance in finding the best plan for you and your family.

Care Super Mediclaim Brochure

  • 801.94 KB
  • PDF Document
  • Aug 29, 2019

Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Super Mediclaim Health Insurance Plan

  • How many variants are available under Super Mediclaim plan?

    There exist four variants under Super Mediclaim plan. 

  • What are the names of different variants offered under Super Mediclaim plan?

    The name of four variants available under the Super Mediclaim plan are:

    • Critical Mediclaim covers a list of 32 defined critical illnesses
    • Cancer Mediclaim covers defined cancer diseases
    • Heart Mediclaim covers 16 listed heart related critical illnesses
    • Operation Mediclaim covers all specified surgical procedures
  • What is the age criteria to get coverage under Super Mediclaim plan by Religare?

    The minimum age of the proposer should be 18 years or above, while there is no age limit to get covered under the plan. However, Children can get covered from 91 days to 4 years if at least one member of their family of age 18 years or above is covered under the plan on family floater basis. On the other hand, kids up to 5 years are covered under the plan on an individual basis.

  • What are the relations that are allowed to get covered under the plan?

    Relationships that are covered under the policy include self, legally married spouse, son, daughter, father, mother, brother, sister, mother-in-law, father-in-law, grandmother, grandfather, grandson, granddaughter, uncle, aunt, nephew, niece, employee or any other relationship having an insurable interest.

  • How many persons together can be covered under the plan?

    Maximum up to 6 persons are allowed to be covered under an individual basis plan. 

  • Does Super Mediclaim plan offer coverage for OPD expenses?

    Yes, Religare understands the importance of coverage related to medicines, OPD consultations, and diagnostics as they can impact your monetary soundness. Hence, the plan offers coverages up to a specified amount for some out-patient care services during the policy year, which are as follows -

    (a) Out-patient consultations
    (b) Diagnostic examinations
    (c) Pharmacy-related expenses

  • Is there any additional benefit provided with under the Super Mediclaim plan?

    Yes, the Super Mediclaim policy provides several optional benefits which can be opted either at the start of the policy or during the time of renewal. The list of such add-on features are:

    1. Deductible Option
    2. Co-Payment Option
    3. Unlimited Automatic Recharge
    4. International Second Opinion
    5. Room Rent Modification
    6. Air Ambulance Cover
    7. Reduction of PED Wait Period
    8. Additional Sum Insured for Accidental Hospitalisation

  • What is the initial waiting period applicable under this plan?

    The initial waiting period is of 90 days. It means a claim for any medical-related expenses incurred for treatment of any illness during the first 90 days from the policy period start date shall not be admissible, except the medical costs incurred due to an accident within the policy period.

  • Does Super Mediclaim plan provide the coverage for an annual health check-up?

    Yes, health check-up is offered annually from 2nd policy year on continuous coverage basis.

  • Can I get any discount or bonus for not requesting any claim for a year or two or more?

    Yes, No Claim Bonus (NCB) is offered for not availing any claim. The bonus will be of 50%/25%/25% for a corresponding increase in the Sum Insured (SI) for 1st, 2nd and 3rd consecutive claim-free policy years respectively. Maximum bonus is given for up to 100% of the SI. Also, 50%/25%/25% and a corresponding decrease in SI per policy year are applicable if a claim has been paid, however, such decrease is only in SI accrued as NCB. 

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