Care Supreme Vikas Plan (2025) — Complete Guide

Come 2025, affordable health security becomes essential, not simply optional. A steadily mounting healthcare burden, coupled with growing health risks, has led Indian families to look for policies that merge adequate coverage with affordable premiums. It is precisely here that the Care Supreme Vikas Plan finds its ideal place.

Conceived as an affordable health coverage, it shields insured members from hospital bills, daycare care, and unforeseen emergencies. Concurrently, it offers some clever bells and whistles, such as automatic premium renewal, claim rewards, wellness incentives, and additional benefits. It remains an economical choice that delivers worth for every rupee spent without skimping on necessary coverage.

What is the Care Supreme Vikas Plan?

Care Supreme Vikas is a straightforward health insurance product designed for individuals seeking robust coverage at affordable premiums. The coverage extends to hospital treatments, surgical expenses, AYUSH therapies, and digital health services as well. The plan suits young professionals, small families, and those who stay budget-conscious and are keen on robust coverage and health rewards.

Why opt for the Supreme Vikas Plan?

These are the reasons the Care Supreme Vikas Plan distinguishes itself in 2025:

• Covers all major hospital expenses
• A low-cost plan, packed with abundant benefits.
• Furnishes unlimited automatic policy renewal.
• A reward framework that encourages an active fitness regime and a healthy lifestyle.
• Provides cover early for common diseases linked to lifestyle.
• It can be tailored with convenient add-on features.
• This plan suits the needs even of people at the outset of their careers, as well as those seeking an economical safety net for their family’s health expenses.

What does the Care Supreme Vikas Plan cover?

The plan extends coverage to a wide spectrum of medical treatments and hospital expenditures. The benefits you can expect are as follows:

Main Inclusions:

• In-Patient Hospitalization (Stay of 24+ hours or above)
• ICU charges along with those of the general ward
• Pre-hospitalization (for 60 days)
• 180-day Health Care Extension
• AYUSH therapies in accredited hospitals
• Procedures carried out as outpatient services that involve no stay longer than a single day
• For cases where an in-hospital bed is unavailable, a domiciliary (home) hospitalization benefit shall be extended.
• Expenses for organ donor surgery, together with any associated charges.
• Road ambulance expenses
• Advanced therapy techniques (robotics, laser, and so on)

Exclusions:

Even though the plan is extensive, it does leave several items uncovered:

• Outpatient consultations or periodic doctor visits (except when the outpatient cover add-on is purchased)
• Cosmetic or beauty treatments
• Except in cases where they form part of surgery.
• Injuries arising from drug or alcohol misuse, and from self-harm.
• Investigation and treatment for weight-loss surgery or infertility procedures
• Birth-related and maternity treatments
• Therapeutic procedures which are experimental or unvalidated
• Injuries arising from adventure sports, by contrast, or from active warfare, are excluded.

Main Features of Care Supreme Vikas Plan

The plan offers more than simple basic coverage. Equipped with potent advantages that allow you to cut costs and keep your coverage intact.

Continuous Automatic Recharge: Each time you exhaust your coverage in one claim, the amount automatically reverts so that you can submit another.

Cumulative Bonus: Each year that you go claim-free, your coverage expands by 50%, to a maximum of 100%.

Claim Shield (Add-on) enables you to pay for routinely excluded items such as gloves, bandages, or surgical instruments.

Health & Wellness Discount: A discount of up to 30% on renewal is available to you if you log at least 10,000 steps every day.

Unlimited E-Consultations: Compatible video or voice appointments with general practitioners are offered free of cost.

Discount Network: Enjoy discounts on medicines, diagnostic tests, and doctor consultations at partner hospitals.

Step-by-Step: How the Plan Works

1. Select your cover limit – coverage starting from ₹5 Lakh and rising to ₹10 Lakh.
2. Want a single-year cover? Or would you like coverage for two or three years?
3. Choose the supplementary options – Instant cover, shorter waiting period, etc.
4. Purchase the plan—Either through our online platform or via an advisor.
5. Start making claims – Seek coverage during hospitalization, avail health checkups, teleconsultations, and other benefits.
6. Stay rewarded – Take a walk every day and get discounts on your renewal.

Optional Add-Ons

One can customise the plan by opting for the below add-ons:

• Instant Cover: Get coverage from day thirty on for diabetes, hypertension, asthma, or cholesterol.
• Condensed PED Waiting Period: Bring the waiting period for pre-existing disease coverage down from 3 years to just 1 or 2 years instead.
• Claim Shield: Cover the cost of non-medical items during hospitalization.
• Air Ambulance Cover: Total coverage of up to ₹5 lakh.
• Mental Wellness Support: Access mental health benefits such as therapy sessions.
• Annual Health Check-ups: Preventive check-ups carried out once each year.
• Women’s Care: Access to diagnostic tests for various women-related health conditions.
• Fitness & Gym Access: Enjoy discounted gym membership through select partner partners.
• Plus Benefit: An additional 20% of the sum insured is provided for enhanced protection.
• Deductible Options: Cut your premium by voluntarily contributing toward the bills yourself.

Eligibility and Plan Details

Waiting Periods

Premium Chart (Indicative)

Here is a sample premium table to give you an idea of what you may pay per year:

Who Should Buy the Plan?

Care Supreme Vikas is especially meant for:

• Young working professionals on the lookout for affordable insurance
• Families looking for budgetary health protection plus rechargeable benefits.
• Those suffering from early-stage lifestyle-related conditions, including diabetes or hypertension.
• Individuals without health insurance arrangement through their employers
• People who wish to collect fitness rewards and reduce their premium outlays

Frequently Asked Questions on Care Supreme Vikas Plan

May I add my spouse or child to the policy after its start date?
Yes. The plan permits you to extend coverage mid-way under qualifying circumstances such as marriage or childbirth.

Does this plan cover maternity?
No, maternity coverage or protection for newborns is not included in this plan.

Suppose the total sum insured is used up in a single claim?
The policy receives automatic recharge, which replenishes your sum insured for subsequent claims.

Do I have to undergo a medical checkup?
If you’re under 65 years of age and you are healthy, an additional medical examination is not required.

How can I avail the wellness discount?
Count over 10,000 daily steps with your cell phone or fitness tracker. Every logged active day stands to enlarge your renewal discount—up to 30%.

Summary

The Care Supreme Vikas Plan emerges as a sturdy choice for 2025, offering affordability, active wellness support, and flexible add-ons. It melds fundamental coverage with contemporary perks such as recharge, digital health services, and activity-based rewards. Belonging to any tier—whether you’re a young professional, a small family, or a senior citizen—you can expect this plan to deliver the control and care you require.