Delivery expenses
Ask how normal delivery and C-section expenses are covered, including any limits, sub-limits or eligibility rules.
Maternity, family & health insurance
Plan for your family's future with clearer insurance choices.
Explore maternity and family cover alongside two additional Care Health Insurance plans. Understand key benefits, deductibles and waiting periods before speaking with an advisor.
Explore maternity and newborn cover
Compare Supreme Enhance and Care Supreme
Review waiting periods and eligibility
Understand benefits and policy conditions
This page is for information and inquiry purposes. Coverage, exclusions, waiting periods, eligibility and premiums are governed by the insurer's current policy wording and quote.
Planning ahead mattersAsk about waiting periods early, before you need to make a claim.
Maternity planningUnderstand relevant policy conditions
Family health coverReview benefits and cover limits
Informed decisionsAsk questions before you choose
Know what to ask about
Maternity benefits worth understanding
The uploaded promotional material highlights the following benefit categories. Actual availability and limits must be confirmed against the specific policy and quote.
Pre- and postnatal care
Review which related consultations, tests and care expenses are included, and what documentation may be required.
Newborn protection
Confirm when newborn cover starts, what it includes, and any conditions or exclusions that apply.
Additional health insurance options
Explore two Care Health Insurance plans
Alongside maternity-focused planning, compare these two distinct health insurance products. One uses a deductible-based structure; the other offers a broader set of base and optional benefits.
High Deductible Health Insurance Plan
Supreme Enhance
A deductible-based plan with flexible deductible and sum insured combinations, designed for customers who understand and can plan for the deductible amount.
Up to ₹95 lakhMaximum sum insured shown in the brochure; available combinations apply.
- Unlimited automatic recharge for same or unrelated illness
- Cumulative bonus: 10% of SI each year, up to 100% of SI
- No limit on ICU charges; no sub-limits on listed modern/conventional treatments
Comprehensive Health Insurance Plan
Care Supreme
A comprehensive plan with recharge, cumulative bonus, post-hospitalisation support and wellness-related features, with optional benefits subject to selection.
Up to 7X coverage*Headline cover includes base and additional bonus components, subject to brochure conditions.
- Unlimited automatic recharge for same or unrelated illness
- Up to 180 days of post-hospitalisation expenses
- Unlimited general-physician e-consultations and wellness options
*The Care Supreme brochure explains that the advertised multiple includes base sum insured and additional sum insured through specified cumulative bonus / optional wellness-related benefits. It is not a standalone guaranteed base sum insured multiplier. Refer to the current policy wording and selected options.
Product details · 01
Supreme Enhance
A High Deductible Health Insurance Plan. The policy deductible is the pre-defined amount the insured bears through personal funds or another insurance policy; the policy responds to eligible expenses above the applicable deductible, subject to its terms.
Understand the deductible
Choose a deductible and eligible sum insured combination
The brochure lists deductible choices of ₹3 lakh, ₹4 lakh, ₹5 lakh, ₹7 lakh, ₹10 lakh and ₹15 lakh, with corresponding sum insured combinations. Other options may also be available.
Illustration from the brochureA selected ₹95 lakh sum insured with a ₹5 lakh deductible means the first ₹5 lakh is borne by the customer or another insurance arrangement; eligible expenses above the deductible are considered under this policy, subject to terms.
Unlimited automatic recharge
Available unlimited times in a policy year for the same or unrelated illness, as described in the brochure.
Cumulative bonus
10% of sum insured per year, up to 100% of sum insured; the accrued bonus is not reduced due to claims.
Hospitalisation support
In-patient care, day-care treatment and domiciliary hospitalisation up to sum insured, subject to policy conditions.
Additional treatment benefits
Organ donor cover and AYUSH treatment up to sum insured; no limit on ICU charges and no sub-limits on listed modern or conventional treatments.
60 daysPre-hospitalisation
90 daysPost-hospitalisation
30 daysInitial waiting period*
36 monthsPre-existing disease wait
Plan options, room rent and policy terms
- Brochure lists deductible options of ₹3L, ₹4L, ₹5L, ₹7L, ₹10L and ₹15L, with selected sum insured combinations up to ₹95 lakh.
- Room rent: most economical single private room. Room rent modification with no limit is shown as an add-on / additional-premium feature in the brochure.
- Policy tenure: 1, 2 or 3 years. Adult entry age: 18 years; child entry age: 90 days. Adult exit age: lifelong; child exit age: 24 years.
- Family floater and individual options are described; eligible relationships and underwriting conditions apply.
Optional benefits and waiting periods
- Air Ambulance: shown for Plan 2 up to sum insured per year; optional and available on payment of additional premium.
- Unlimited Care: shown for Plan 2 as one eligible claim during the lifetime of the policy without a coverage limit. It is optional, must be selected at policy inception and, once selected, continued for 5 consecutive policy years.
- Initial waiting period: 30 days for all claims except accidental claims. Named ailment waiting period: 24 months. Pre-existing disease waiting period: 36 months.
- Tax benefits, if applicable, are governed by prevailing tax laws and may change.
Product details · 02
Care Supreme
A comprehensive health insurance plan with base benefits, automatic recharge and wellness features. The brochure distinguishes base benefits from optional benefits that may require additional premium.
Unlimited automatic recharge
Available for unlimited times for unrelated or same illness, subject to policy terms.
Cumulative bonus
Base cumulative bonus: 50% of SI per year, up to 100% of SI; it does not reduce due to claims.
Hospitalisation benefits
In-patient care, day-care procedures, modern treatment, domiciliary hospitalisation and organ donor cover up to SI.
Post-hospitalisation
Up to 180 days of post-hospitalisation expenses; pre-hospitalisation is up to 60 days.
E-consultations
Unlimited e-consultations with general physicians, as described in the brochure.
Wellness services
Health portal, doctor-on-chat, health tips and reminders, plus discounts on selected services.
₹5L–₹1CrBase SI options shown
60 daysPre-hospitalisation
180 daysPost-hospitalisation
30 / 24 / 36Waiting periods in days / months*
Optional benefits and wellness rewards
- Cumulative Bonus Super: up to 100% of SI per year, up to 500% of SI; optional, with the brochure specifying a 5-consecutive-policy-year selection condition.
- Annual Health Check-up: once for each insured person every policy year (as described under optional benefits).
- Air Ambulance: up to ₹5 lakh per year under the optional benefit.
- Wellness Benefit: optional renewal discount linked to recording 10,000 steps or more in a day. The brochure shows up to 30% for 270 qualifying days, 20% for 240 days, 15% for 180 days and 10% for 120 days; fewer than 120 days shows 0%. Eligibility and calculation rules apply.
- Instant Cover: for hypertension, diabetes, hyperlipidemia or asthma after the initial 30-day waiting period, subject to the optional benefit terms.
- Claim Shield: covers expenses related to 68 listed non-payable items during hospitalisation, subject to terms.
- Modification of PED Wait Period: the brochure shows an option to modify the pre-existing disease waiting period to 1 or 2 years.
- Be-Fit: unlimited access to eligible OPD consultations during a policy year; applicable only to insured persons aged 18 years or above, subject to terms.
Eligibility, cover type and waiting periods
- Base sum insured options shown: ₹5 lakh, ₹7 lakh, ₹10 lakh, ₹15 lakh, ₹25 lakh, ₹50 lakh and ₹1 crore.
- Adult entry age: 18 years or above; child entry age: 90 days. Adult exit age: lifelong; child exit age: 24 years.
- Cover type: individual (up to 6 persons) or floater (up to 2 adults and 2 children); policy tenure: 1, 2 or 3 years.
- Initial waiting period: 30 days (not applicable to accident cases). Named ailment waiting period: 24 months. Pre-existing disease waiting period: 36 months.
- Road ambulance cover is included as a base benefit, with limits depending on sum insured as set out in the brochure.
The brochure also lists zone-based pricing and selected residence / location criteria. Confirm the applicable pricing zone, eligibility and benefit limits for the insured person's city and selected policy schedule.
Compare at a glance
Supreme Enhance vs Care Supreme
Use this summary to identify the differences. It is not a substitute for the full brochure, policy wording or a personalized quote.
| Feature | Supreme Enhance | Care Supreme |
|---|---|---|
| Plan type | High Deductible Health Insurance Plan | Comprehensive Health Insurance Plan |
| Cover structure | Selected deductible and sum insured combinations; sum insured up to ₹95 lakh shown | Base SI options from ₹5 lakh to ₹1 crore; brochure advertises up to 7X including bonus / additional benefit components* |
| Automatic recharge | Unlimited times in a policy year for same or unrelated illness | Unlimited times for same or unrelated illness |
| Base cumulative bonus | 10% of SI per year, up to 100% of SI | 50% of SI per year, up to 100% of SI |
| Pre-hospitalisation | 60 days, up to SI | Up to 60 days, up to SI |
| Post-hospitalisation | 90 days, up to SI | Up to 180 days, up to SI |
| ICU charges | No limit, as per brochure | Up to SI |
| AYUSH / organ donor / domiciliary | Each shown up to SI | Each shown up to SI |
| E-consultations | Not listed in this brochure | Unlimited general-physician e-consultations |
| Wellness / renewal discount | Not listed in this brochure | Wellness features; optional step-based renewal discount up to 30% |
| Initial / named ailment / PED wait | 30 days* / 24 months / 36 months | 30 days* / 24 months / 36 months |
*Accident claims are treated differently under the initial waiting period. Optional benefits, add-on conditions, deductible selection, limits, exclusions and underwriting rules vary. Check the latest policy wording and policy schedule.
Before you choose
Important policy information
Benefits are subject to the policy schedule, definitions, exclusions, waiting periods, underwriting and applicable limits.
Understand the deductible
For Supreme Enhance, confirm the deductible amount, the selected sum insured and how other insurance or personal payment will count toward the deductible.
Check optional benefits
Some features require selection at inception and/or additional premium. Confirm which options are included in the actual quote.
Review waiting periods
Check initial, named ailment and pre-existing disease waiting periods, including any approved portability or modification provisions.
Read the current wording
This page summarizes selected brochure features only. The latest sales brochure, policy wording and issued policy schedule govern coverage.
Advertised plan example
Explore the Ultimate Joy Titanium plan details
The uploaded creative for Care Health Insurance's “Ultimate Joy Titanium Plan” displays a ₹1 crore sum insured, maternity and newborn cover up to ₹3 lakh, unlimited automatic recharge, and cumulative bonus up to 500%.
- Advertised maternity limit: up to ₹3 lakh, subject to policy terms.
- Waiting period shown: 1 year / 12 months in the supplied creatives.
- Illustrative premium shown: ₹48,262 per year for a husband aged 30 and wife aged 28 in the supplied creative only.
Please verify before purchase. The figures above are transcribed from the supplied promotional image, not a live quote. Confirm the current brochure, policy wording, eligibility, exclusions, premium and applicable taxes directly with the insurer or authorized advisor.
Make an informed choice
What a useful consultation should clarify
Use your conversation to understand the fine print, not just the headline benefit amount.
Limits & sub-limits
Check the applicable maternity limit, room limits and any category-specific caps.
Waiting periods
Ask when benefits become available and how the waiting period applies to each insured person.
Who can be covered
Confirm entry age, family composition, medical disclosures and other eligibility criteria.
Claim conditions
Understand exclusions, network hospitals, required documents and claim procedures.
Simple next steps
From question to informed decision
A straightforward inquiry flow. Your actual advisor response and service process should be confirmed by the business.
Share your inquiry
Enter your name and phone number and tell us what you'd like to understand.
Discuss your needs
An advisor can review your questions, subject to the business's configured follow-up process.
Review official terms
Compare the current policy wording and quote before making any purchase decision.
Helpful information
Know what to check before choosing health insurance
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Health insurance: what to check before buying
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More ways to help
Insurance needs can go beyond maternity cover
The prospecting infographic you supplied references several insurance categories. Use this section to invite relevant inquiries without implying that every product is available through this page owner.
Family & health
Explore health and personal protection needs for yourself and your family.
Motor & travel
Ask about vehicle or travel insurance options, if offered by your advisor.
Home & business
Discuss home or business protection needs and the products that may be suitable.
Referral-led growth
Have a friend or family member with an insurance question?
The supplied prospecting guide encourages agents to build relationships and ask for referrals. If you know someone reviewing health, motor, travel, home or business cover, invite them to make an inquiry.
Family & friendsWorkplace contactsVehicle ownersBusiness owners
Pricing & eligibility
Request a current, personalized quote
Premiums and policy eligibility depend on details such as age, location, coverage choices and the insurer's current underwriting rules. The promotional premium in the uploaded creative should not be treated as a guaranteed price.
Need help understanding your options?
Request a call to discuss the benefits, waiting period, current premium and policy conditions relevant to you.
Frequently asked questions
Questions to ask before you decide
Answers below are general guidance. Confirm all product-specific details using the current policy wording.
What maternity cover amount is shown in the supplied material?
The creatives show maternity and newborn cover up to ₹3 lakh. The applicable amount, limits and conditions must be verified for the exact policy and quote.
What is the waiting period?
The supplied creatives show a 12-month / 1-year waiting period. Confirm how it applies to your selected policy, covered members and benefit categories before buying.
Does the plan cover normal delivery and C-section?
The first creative lists both normal delivery and C-section delivery. Actual coverage and any sub-limits or exclusions depend on the current policy wording.
Is ₹48,262 the current premium?
That amount appears in the supplied creative for a husband aged 30 and wife aged 28. It is not a live quote and may not reflect current rates, taxes, location or your circumstances.
How do I know if I am eligible?
Eligibility depends on the insurer's current rules and your circumstances. Submit an inquiry to discuss what information is needed, then verify details with the insurer or authorized advisor.
Will submitting this form buy a policy?
No. The form is intended as an inquiry only. A policy is not purchased and no cover begins by submitting this form. Any application, underwriting, payment and policy issuance must occur through the insurer's approved process.
How does the Supreme Enhance deductible work?
The deductible is the pre-defined amount the insured bears through personal funds or another insurance arrangement. Eligible expenses above the selected deductible are considered under Supreme Enhance, subject to the policy wording, selected sum insured and other conditions.
Does Care Supreme provide seven times the base sum insured automatically?
The brochure headline of up to 7X combines the base sum insured with additional sum insured / bonus components and optional benefits. The exact amount depends on the selected benefits and their conditions; it should not be read as a guaranteed sevenfold base cover.
Are all Care Supreme wellness features included automatically?
No. The brochure lists several wellness and other features under optional benefits. Confirm the selected options, additional premium and eligibility in the personalized quote and policy schedule.
Are the two new products maternity insurance plans?
Supreme Enhance and Care Supreme are health insurance products described in their respective brochures. Do not assume that they include maternity or newborn benefits unless the current policy wording specifically confirms that cover.
Which waiting periods apply to Supreme Enhance and Care Supreme?
The supplied brochures show a 30-day initial waiting period (with accident-related exceptions), a 24-month named ailment waiting period and a 36-month pre-existing disease waiting period for both products. Optional modifications, portability and the issued policy terms may affect applicability; verify the current wording.
Are these benefits guaranteed?
No. Promotional summaries are not a substitute for policy wording. Terms, exclusions, waiting periods, limits and eligibility in the issued policy govern coverage.
Take the next step
Make your next insurance decision with more clarity.
Share your inquiry and ask about maternity benefits, Supreme Enhance, Care Supreme, waiting periods, eligibility and the latest available quote.