{"uin":"CHIHLIA23060V012223","name":"Care Supreme","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223","insurer":{"slug":"care-health-insurance","name":"Care Health Insurance Ltd","url":"https://indiainsurances.com/insurer/care-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Care OPD is an indemnity add-on policy for outpatient consultations, OPD pharmacy and optional OPD benefits. It covers treatment taken entirely within India and has no waiting period unless a specific benefit says otherwise.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:30:37.758876+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The documents list base benefits and optional benefits, but do not state named plan variants.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Tenure options are 1 year, 2 years or 3 years, as per the base policy.","display":"1 year/ 2 years/ 3 years (as per Base Policy)","note":null,"quote":"Tenure Options | 1 year/ 2 years/ 3 years (as per Base Policy)","sources":[{"clause":"1","heading":"Eligibility Criteria","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"For reimbursement, the required documents must be submitted immediately and in any event within 30 days of incurred medical expenses. Claim intimation and notification must also be made promptly and within the Clause 6.1 timeframes.","display":"Immediately and within 30 days of incurred medical expenses for reimbursement; intimation promptly as per Clause 6.1","note":null,"quote":"all the documentation specified in Clause 6.1.4 shall be submitted to the Company at Policyholder’s / Insured’s own expense, immediately and in any event within 30 days of incurred medical expenses. ... Intimation of the Claim, notification of the Claim and submission or provision of all information and documentation shall be made promptly and in any event in accordance with the procedures and within the timeframes specified in Clause 6.1 (Claims Procedure and Management) of the Policy.","sources":[{"clause":"13(b)(i)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-b-i"},{"clause":"13(b)(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-b-iii"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"quote-verified","value":["Duly filled and signed Claim form by the Insured","Copy of Photo ID of Insured","Medical Practitioner’s prescription advising drugs or diagnostic tests or consultations","Original bills from pharmacy/chemists","Original pathological/diagnostic test reports/radiology reports and payment receipts","Original investigation test reports and payment receipts supported by Doctor’s reference slip","Any other document as required by the Company to assess the Claim, in case fraud is suspected"],"display":"Claim form, photo ID, prescription, original bills, test reports/receipts, doctor’s reference slip and any other document required if fraud is suspected","note":null,"quote":"1. Duly filled and signed Claim form by the Insured;\n2. Copy of Photo ID of Insured;\n3. Medical Practitioner’s prescription advising drugs or diagnostic tests or consultations;\n4. Original bills from pharmacy/chemists;\n5. O r i g i n a l p a t h o l o g i c a l / d i a g n o s t i c t e s t reports/radiology reports and payment receipts;\n6. Original investigation test reports and payment receipts supported by Doctor’s reference slip;\n7. Any other document as required by the Company to assess the Claim, in case fraud is suspected.","sources":[{"clause":null,"heading":"6.1.4. Documents to be submitted for filing a valid Claim","page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-6-1-4-documents-to-be-submitted-for-filing-a-val"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"conflicting","value":"The policy wording says the insurer will settle or reject a claim within 30 days of receiving all necessary documents or information, and pay within 7 days after the policyholder or insured accepts the settlement offer.","display":"30 days from receipt of all necessary documents/information; payment within 7 days after acceptance","note":"The prospectus says: “within 15 days of intimation on receipt of all the necessary documents / information”. The policy wording has been used for the answer.","quote":"The Company shall settle or reject any Claim within 30 days of receipt of all the necessary documents / information as required for settlement of such Claim and sought by the Company. The Company shall provide the Policyholder / Insured an offer of settlement of Claim and upon acceptance of such offer by the Policyholder / Insured the Company shall make payment within 7 days from the date of receipt of such acceptance. ... We shall settle or reject any Claim within 15 days of intimation on receipt of all the necessary documents / information as required for settlement of such Claim and sought by us.","sources":[{"clause":"13(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-c-2"},{"clause":"10(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-10-c-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"For grievances, the insured may contact Care Health Insurance through the website/link, Care Health Customer App, WhatsApp number 8860402452, or courier to a branch or corporate office. If not satisfied, the insured may approach the Insurance Ombudsman and may also lodge a grievance at IRDAI Bima Bharosa.","display":"Contact Care Health first through website/app/8860402452/courier; then Insurance Ombudsman or IRDAI Bima Bharosa if not satisfied","note":null,"quote":"In case of any grievance the Insured Person may contact the Company through Website/link: https://www.careinsurance.com/customer-grievanceredressal.html Mobile App : Care Health- Customer App Toll free (whatsapp number): 8860402452 Courier: Any of Company's Branch Office or corporate office If Insured Person is not satisfied with the redressal of grievance through above methods, the Insured Person may also approach the office of Insurance Ombudsman of the respective area/region for redressal of grievance as per","sources":[{"clause":"14(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19501#c-14-iv"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"This add-on has benefit-specific limits: general physician consultations up to Rs.300/500-1000 per consultation, specialist consultations Rs.500-2000 per consultation, OPD pharmacy Rs.1K-20K, and optional OPD benefits with the limits shown in the schedule of benefits.","display":"Benefit-specific: Rs.300/500-1000 per general physician consultation; Rs.500-2000 per specialist consultation; OPD Pharmacy Rs.1K-20K; optional benefits as scheduled","note":null,"quote":"Max. 4 physical consultations per Insured per Add on Policy Year with General Physicians. Subject to Maximum Rs.300/500-1000 (in multiples of 100) per consultation in an Add on Policy Year. ... Subject to Maximum Rs.500-2000 (in multiples of 100) per consul tation in an Add on Policy Year. ... Up to Rs.1K-20K (in multiples of 1000).","sources":[{"clause":"Row 1","heading":"Base Benefti: Physical Consultations with General Physicians","page":10,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-row-1"},{"clause":"Row 2","heading":"Base Benefti: Physical Consultations with Specialist Doctors","page":10,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-row-2"},{"clause":"Row 3","heading":"Base Benefti: OPD Pharmacy","page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-row-3"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":0},"display":"No Waiting Period is applicable unless specified under any benefit","note":null,"quote":"No Waiting Period is applicable in this Add on Policy unless specified under any benefit","sources":[{"clause":"4","heading":"EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-4"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"not-stated","value":null,"display":null,"note":"The add-on says no waiting period applies unless a benefit specifies one, but claims are also subject to wait periods of the base policy; the base policy PED waiting period is not printed in these documents.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":0},"display":"No specific waiting period for base benefits; optional Dental Care and Vision Care have 6 months","note":"The 6 months waiting period applies only if the optional Dental Care or Vision Care benefit is opted.","quote":"No Waiting Period is applicable in this Add on Policy unless specified under any benefit ... Dental Expenses incurred by the Insured towards the following, subject to six (6) months waiting period from the date of issuance of first policy with the Company on continuous coverage ... Vision care, subject to six (6) months waiting period from the date of issuance of first policy with the Company on continuous coverage","sources":[{"clause":"4","heading":"EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-4"},{"clause":"3.2.7","heading":"Optional Benefit : Dental Care","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-7"},{"clause":"3.2.8","heading":"Optional Benefit : Vision Care","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-8"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Dental Care","Vision Care"],"display":"Optional Dental Care and Vision Care","note":"These are optional benefits; the base benefits have no waiting period stated except where specified under a benefit.","quote":"3.2.7 Optional Benefit : Dental Care ... subject to six (6) months waiting period ... 3.2.8 Optional Benefit : Vision Care ... subject to six (6) months waiting period","sources":[{"clause":"3.2.7","heading":"Optional Benefit : Dental Care","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-7"},{"clause":"3.2.8","heading":"Optional Benefit : Vision Care","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-8"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The add-on documents only say portability follows the base policy; they do not print the portability terms or waiting-period credit.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"not-stated","value":null,"display":null,"note":"The add-on documents only state that renewal follows the base policy and do not print whether renewal is lifelong.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"not-stated","value":null,"display":null,"note":"The documents do not state whether premium can be loaded at renewal because of claims.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"not-stated","value":null,"display":null,"note":"The add-on documents say cancellation/termination conditions are the same as the base policy, but do not print the refund scale.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The add-on covers only medical treatment taken entirely within India, and payments are made in Indian Rupees and within India.","display":"India only","note":null,"quote":"This Add on Policy covers only medical treatment taken entirely within India. All payments under this Add on Policy shall be made in Indian Rupees and within India.","sources":[{"clause":"13(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-a-3"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"not-stated","value":null,"display":null,"note":"The add-on documents only say free-look conditions are the same as the base policy; they do not state the number of days.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"not-stated","value":null,"display":null,"note":"The documents do not state a grace-period duration for this add-on.","quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"not-stated","value":null,"display":null,"note":"The prospectus states entry age is as per the base policy, but does not print the youngest or oldest entry age for this add-on.","quote":null,"sources":[],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Premium payment Installment (not applicable)"],"display":"Premium payment installment not applicable","note":null,"quote":"5.9 Premium payment Installment (not applicable)","sources":[{"clause":null,"heading":"5.9 Premium payment Installment (not applicable)","page":8,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-5-9-premium-payment-installment-not-applicable"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"quote-verified","value":["Unlimited E-Consultation","Online Fitness Classes","OPD Physiotherapy","Psychologist counselling","Preventive Health check-up","AYUSH Treatment","Dental Care","Vision Care","Therapy Expenses","Medical Devices","OPD Diagnostics","Modification of Physical Consultations with General Physicians","Modification of Physical Consultations with specialist doctors"],"display":"Unlimited E-Consultation, Online Fitness Classes, OPD Physiotherapy, Psychologist counselling, Preventive Health check-up, AYUSH Treatment, Dental Care, Vision Care, Therapy Expenses, Medical Devices, OPD Diagnostics and modifications of physical consultations","note":null,"quote":"The Add on Policy provides the following Optional Benefits which can be opted either at the inception of the Add on Policy or at the time of renewal only. ... Optional Benefit : Unlimited E-Consultation ... Optional Benefit : Online Fitness Classes ... Optional Benefit : OPD Physiotherapy ... Optional Benefit : Psychologist counselling ... Optional Benefit: Preventive Health check-up ... Optional Benefit : AYUSH Treatment ... Optional Benefit : Dental Care ... Optional Benefit : Vision Care ... Optional Benefit: Therapy Expenses ... Optional Benefit: Medical Devices ... Optional Benefit: OPD Diagnostics ... Optional Benefit : Modification of Physical Consultations with General Physicians ... Optional Benefit: Modification of Physical Consultations with specialist doctors","sources":[{"clause":"3.2","heading":"OPTIONAL BENEFITS","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2"},{"clause":"3.2.1","heading":"Optional Benefit : Unlimited E-Consultation","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-1"},{"clause":"3.2.2","heading":"Optional Benefit : Online Fitness Classes","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-2"},{"clause":"3.2.3","heading":"Optional Benefit : OPD Physiotherapy","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-3"},{"clause":"3.2.4","heading":"Optional Benefit : Psychologist counselling","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-4"},{"clause":"3.2.5","heading":"Optional Benefit: Preventive Health check-up","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-5"},{"clause":"3.2.6","heading":"Optional Benefit : AYUSH Treatment","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-6"},{"clause":"3.2.7","heading":"Optional Benefit : Dental Care","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-7"},{"clause":"3.2.8","heading":"Optional Benefit : Vision Care","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-8"},{"clause":"3.2.9","heading":"Optional Benefit: Therapy Expenses","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-9"},{"clause":"3.2.10","heading":"Optional Benefit: Medical Devices","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-10"},{"clause":"3.2.11","heading":"Optional Benefit: OPD Diagnostics","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-11"},{"clause":"3.2.12","heading":"Optional Benefit : Modification of Physical","page":5,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-12"},{"clause":"3.2.13","heading":"Optional Benefit: Modification of Physical","page":6,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-13"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":"The documents do not state whether claims during a grace period are covered.","quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"not-applicable","value":null,"display":null,"note":"This is an OPD add-on for outpatient consultations, pharmacy and optional outpatient benefits, not a hospitalisation room-rent policy.","quote":null,"sources":[],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not pay for inpatient hospital rooms, so a room category limit does not apply.","quote":null,"sources":[],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not pay ICU room charges.","quote":null,"sources":[],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"not-applicable","value":null,"display":null,"note":"Proportionate deduction for choosing a higher room is not applicable because this OPD add-on has no room-rent or room-category cover.","quote":null,"sources":[],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"A 10% co-payment applies per claim for general physician consultations if the per consultation limit opted is greater than Rs.500. A 5% co-payment applies per claim for specialist consultations if the per consultation limit opted is greater than or equal to Rs.1000, and the optional preventive health check-up has 10% co-payment on the additional amount above Rs.5000.","display":"10% per claim for GP consultations if limit > Rs.500; 5% per claim for specialists if limit >= Rs.1000; optional preventive health check-up 10% above Rs.5000","note":"The optional modification benefits can waive sub-limits/co-payment for physical consultations if chosen.","quote":"Co-payment of 10% per claim is applicable if per consultation limit opted is greater than Rs.500. ... Co-payment of 5% per claim is applicable if per consultation limit opted is greater than or equal to Rs.1000. ... If aggregate claim amount is greater than Rs.5000 in an Add on Policy Year then a co-payment of 10% shall be applicable on the additional amount claimed over and above Rs.5000.","sources":[{"clause":null,"heading":"The above benefit is subject to the following","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-the-above-benefit-is-subject-to-the-following"},{"clause":"3.1.2","heading":"Base Benefit : Physical Consultations with Specialist","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-1-2"},{"clause":null,"heading":"The above Optional Benefit is subject to the following","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-the-above-optional-benefit-is-subject-to-the-fol"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"not-stated","value":null,"display":null,"note":"The documents do not state any deductible amount for this add-on.","quote":null,"sources":[],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"not-stated","value":null,"display":null,"note":"The documents state benefit-wise OPD limits but do not state caps for named diseases or procedures.","quote":null,"sources":[],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on covers outpatient benefits and does not provide hospitalisation-linked pre-hospitalisation expense cover.","quote":null,"sources":[],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on covers outpatient benefits and does not provide hospitalisation-linked post-hospitalisation expense cover.","quote":null,"sources":[],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on is for outpatient consultations, pharmacy and optional outpatient services, not day-care hospitalisation treatments.","quote":null,"sources":[],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not cover inpatient or home hospitalisation expenses.","quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"quote-verified","value":"AYUSH Treatment is an optional benefit for out-patient treatment under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in a recognised or accredited institute, up to the amount in the add-on policy schedule.","display":"Optional outpatient AYUSH Treatment up to the schedule amount","note":"This is an optional benefit.","quote":"The Company will indemnify the Insured, for medical expenses incurred for out-patient treatment taken under Ayurveda, Unani, Siddha and Homeopathy systems of medicines in any institute recognized by the Government of India and/or accredited by the Quality Council of India/National Accreditation Board on Health, up to the amount specified against this Optional Benefit in the Add on Policy Schedule","sources":[{"clause":"3.2.6","heading":"Optional Benefit : AYUSH Treatment","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-6"}],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"not-stated","value":null,"display":null,"note":"The add-on documents do not state cover for modern treatments such as robotic surgery, immunotherapy, oral chemotherapy or stem cell therapy.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not cover inpatient organ transplant hospital costs or donor hospitalisation expenses.","quote":null,"sources":[],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on covers outpatient services and does not provide ambulance cover.","quote":null,"sources":[],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"not-applicable","value":null,"display":null,"note":"Restoration of hospitalisation sum insured is not applicable to this OPD add-on with benefit-wise outpatient limits.","quote":null,"sources":[],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-applicable","value":null,"display":null,"note":"No-claim or cumulative bonus on a hospitalisation sum insured is not applicable to this OPD add-on.","quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not cover hospitalisation bills where consumables and non-medical items are charged.","quote":null,"sources":[],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not cover childbirth or maternity hospitalisation costs.","quote":null,"sources":[],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"not-applicable","value":null,"display":null,"note":"This OPD add-on does not provide newborn baby hospitalisation cover.","quote":null,"sources":[],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-applicable","value":null,"display":null,"note":"The field asks for in-patient treatment of mental illness, but this is an OPD add-on; it may offer outpatient psychiatrist or psychologist benefits, not inpatient mental illness cover.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Preventive Health check-up is an optional benefit reimbursing the insured up to the schedule amount during the add-on policy year. It means a package of minimum 3 medical tests for general assessment of health status and excludes diagnostic or investigative tests for evaluation of illness or disease.","display":"Optional preventive health check-up up to the schedule amount; minimum 3 medical tests","note":"This is an optional benefit.","quote":"If this Optional Benefit is opted, then the Company will indemnify the Insured, for availing the preventive health check-up, up to the amount specified against this Optional Benefit in the Add on Policy Schedule during the Add on Policy Year.\nFor the purpose of this Optional Benefit:\nPreventive Health Check-up means a package of minimum 3 medical test(s) undertaken for general assessment of health status","sources":[{"clause":"3.2.5","heading":"Optional Benefit: Preventive Health check-up","page":4,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-2-5"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"The add-on covers outpatient general physician consultations, specialist consultations and OPD pharmacy as base benefits up to the amounts or limits in the add-on schedule. Optional outpatient benefits include physiotherapy, psychologist counselling, preventive health check-up, AYUSH, dental, vision, therapy, medical devices and diagnostic tests.","display":"OPD consultations and pharmacy as base benefits; optional OPD benefits include physiotherapy, counselling, health check-up, AYUSH, dental, vision, therapy, medical devices and diagnostics","note":null,"quote":"Physical Consultations with General Physicians on out-patient basis up to the amount/limit as specified against this Benefit in the Add on Policy Schedule ... physical Consultations with below specified specialist ... We will indemnify you, for availing Out-Patient Pharmacy expenses, as prescribed by Medical Practitioner, up to the specified amount against this Benefit. ... The Add on Policy provides the following Optional Benefits which can be opted either at the inception of the Add on Policy or at the time of renewal only.","sources":[{"clause":"3.1.1","heading":"Base Benefit : Physical Consultations with General","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-1-1"},{"clause":"3.1.2","heading":"Base Benefit : Physical Consultations with Specialist","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-3-1-2"},{"clause":"3.1.3","heading":"Base Benefit : OPD Pharmacy","page":2,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-3-1-3"},{"clause":"3.2","heading":"Optional Benefits","page":2,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453#c-3-2"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"not-stated","value":null,"display":null,"note":"For this add-on, the prospectus says discounts and loadings are the same as the base policy, but it does not print any zone or city-based premium or co-pay rule.","quote":null,"sources":[],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"quote-verified","value":"Cashless Facility is available as a mode to indemnify medical expenses incurred at a Network, and payment under the cashless facility is made to the Network.","display":"Cashless Facility at a Network; payment made to the Network","note":null,"quote":"The Company extends Cashless Facility as a mode to indemnify the medical expenses incurred by the Insured at a Network. ... For Claim settlement under Cashless Facility, the payment shall be made to the Network.","sources":[{"clause":"13(a)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-a"},{"clause":"13(a)(iii)","heading":"Claim Settlement","page":8,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-a-iii"}],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims incurred in India are serviced directly by the insurer.","display":"Serviced by the Company directly","note":null,"quote":"All claims incurred in India are serviced by the Company directly.","sources":[{"clause":"13(c)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469#c-13-c"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":false,"display":"No, Individual Sum Insured","note":null,"quote":"Individual Sum Insured ( Where each member has a separate sum insured under the policy) - Maximum up to 6 Person","sources":[{"clause":null,"heading":"Policy Number","page":2,"url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19501#c-policy-number"}],"law":[]}],"documents":[{"kind":"wording","label":"Care Supreme - Policy Terms & Conditions (effective from 29 April 2026)","pages":83,"fetched_at":"2026-10-20 01:56:03+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---policy-terms-&-conditions-(effective-from-29-april-2026).pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19401"},{"kind":"wording","label":"Care OPD - Policy T&C","pages":12,"fetched_at":"2026-10-20 01:59:33+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-opd---policy-t&c.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19469"},{"kind":"prospectus","label":"Care OPD - Prospectus cum Sales Literature","pages":19,"fetched_at":"2026-10-20 01:58:47+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-opd---prospectus-cum-sales-literature.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19453"},{"kind":"prospectus","label":"Care Supreme - Prospectus cum Sales Literature","pages":39,"fetched_at":"2026-10-20 01:58:59+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---prospectus-cum-sales-literature.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19458"},{"kind":"cis","label":"care supreme - customer information sheet","pages":17,"fetched_at":"2026-10-20 01:56:19+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19402"},{"kind":"cis","label":"Care OPD- customer information sheet","pages":7,"fetched_at":"2026-10-20 02:01:07+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-opd--customer-information-sheet.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19501"},{"kind":"brochure","label":"Care Supreme - Brochure","pages":4,"fetched_at":"2026-10-20 01:57:57+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---brochure.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223/document/19436"}],"versions":[{"uin":"CHIHLIP27061V032627","version":null,"approved_on":null},{"uin":"CHIHLIA23060V012223","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Care Health Insurance official website","url":"https://www.careinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Care Supreme (UIN CHIHLIA23060V012223), IndiaInsurances, https://indiainsurances.com/policy/care-health-insurance/care-supreme-chihlia23060v012223"}