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Health Insurance ReviewREXI Analysis 2026
Care Health Insurance — Care Supreme
No room rent limits. One of the cleanest plans for middle-class families.
4.5/5(120 reviews)
Claim Ratio: 90.04% (FY 2023-24)
Overview
Care Supreme (formerly Religare) is a standout plan because it has no room rent restrictions — you choose any room category and the full cost is covered (up to sum insured). It also has no co-payment for most age bands and a strong restoration feature.
Room Rent Limit
No limit — any room category covered
Best For
Families who want peace of mind on room rent — especially those who intend to claim and cannot manage the hospital room discipline required by limit-based plans
What We Like
- No room rent limit — no proportionate deduction trap
- No co-payment for insured below 61
- Unlimited restoration of sum insured (Care Supreme Plus)
- OPD cover available as add-on
- Strong digital claim process
Watch Out For
- Premium is higher than Star Health for comparable sum insured
- Network hospitals slightly smaller than Star Health
- Loading (premium increase) can occur at renewal if you claim
- PED waiting period 36 months
Products Offered
Care SupremeCare Supreme PlusCare Freedom
Disclaimer: This review is based on publicly available information, IRDAI data, and REXI's policy analysis. Ratings are our editorial opinion. This is not financial advice — always read the full policy document before purchasing. Claim settlement ratios are sourced from IRDAI Annual Reports.