When does coverage for pre-existing diseases start under Health Care Supreme Ultimo?

Expenses related to pre-existing diseases and their direct complications are covered after 24 months of continuous coverage from the first policy inception date, subject to disclosure and acceptance by the insurer.

Does Health Care Supreme Ultimo provide maternity and newborn cover?

Yes. The plan covers maternity expenses, delivery-related hospitalization, medically necessary termination of pregnancy, newborn baby treatment expenses, and newborn vaccinations up to specified limits. A 24-month waiting period applies.

What modern treatments are covered under the plan?

The plan covers several advanced medical procedures including robotic surgeries, immunotherapy, deep brain stimulation, stereotactic radiosurgery, balloon sinuplasty, stem cell therapy for eligible conditions, and other modern treatments up to the base sum insured.

What happens if my hospitalization sum insured gets exhausted?

If the hospitalization sum insured and cumulative bonus are completely exhausted during the policy year, the plan automatically reinstates 100% of the hospitalization sum insured once per policy period, subject to policy conditions.

OneAssure

Health Insurance

Bajaj

Health Care Supreme Ultimo

Experience India's most trusted health insurance with Bajaj Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96%

Claim Settlement Ratio

8000+

Network Hospitals

0

Customer Rating

Policy Brochure

Get a Quote

96%

Claim Settlement Ratio

8000+

Network Hospitals

0

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Bajaj Health Care Supreme Ultimo

Final Verdict

Health Care Supreme Ultimo is a feature-rich health insurance plan that combines hospitalization coverage with OPD benefits, maternity cover, newborn protection, physiotherapy benefits, and automatic sum insured reinstatement.

About

About Bajaj Health Care Supreme Ultimo

Health Care Supreme Ultimo is a comprehensive health insurance plan from Bajaj General Insurance designed to provide coverage for hospitalization, outpatient care, maternity-related expenses, and modern medical treatments. The plan includes benefits such as physiotherapy expenses, organ donor cover, recovery benefits, AYUSH treatment coverage, and newborn baby protection. It also offers a 100% sum insured reinstatement benefit when the hospitalization sum insured gets exhausted during the policy period. The plan is suitable for individuals and families looking for broader healthcare coverage beyond standard hospitalization benefits.

Health Care Supreme Ultimo is a comprehensive health insurance plan from Bajaj General Insurance designed to provide coverage for hospitalization, outpatient care, maternity-related expenses, and modern medical treatments. The plan includes benefits such as physiotherapy expenses, organ donor cover, recovery benefits, AYUSH treatment coverage, and newborn baby protection. It also offers a 100% sum insured reinstatement benefit when the hospitalization sum insured gets exhausted during the policy period. The plan is suitable for individuals and...

Ultimo Ratings

Ratings: Bajaj Ultimo

Insurer Rating

8.52

out of 10

Insurance Rating

7.5

out of 10

No Room Rent Limit

Yes

Consumables Covered

No

No Co-payment

Yes

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

Yes

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Bajaj Health Care Supreme Ultimo

Room Rent

Normal: Covered up to Hospitalisation Sum Insured
ICU: Covered up to Hospitalisation Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
Green Laser/Holmium Laser Treatment for Prostate
Intra Operative Neuro Monitoring (IONM)
Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions

Co-payment

Not mentioned

Cashless Healthcare Providers

Cashless treatment available at empanelled hospitals.

Waiting Period

Initial Waiting Period: 30 Days
Pre-existing Disease Waiting Period: 24 Months

Daycare Treatment

Covered

AYUSH Treatment

Covered

Room Rent

Normal: Covered up to Hospitalisation Sum Insured
ICU: Covered up to Hospitalisation Sum Insured

Advanced Treatments

Uterine Artery Embolization and HIFU
Balloon Sinuplasty
Deep Brain Stimulation
Oral Chemotherapy
Immunotherapy (Monoclonal Antibody Injection)
Intra Vitreal Injections
Robotic Surgeries
Stereotactic Radio Surgeries
Bronchial Thermoplasty
Green Laser/Holmium Laser Treatment for Prostate
Intra Operative Neuro Monitoring (IONM)
Stem Cell Therapy for Bone Marrow Transplant in Haematological Conditions

Co-payment

Not mentioned

Exclusions

Not available

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About the company

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers a comprehensive range of protection, savings, investment, retirement, and group insurance solutions designed to meet diverse customer needs across life stages. The company serves a...

Bajaj Life Insurance Limited (formerly Bajaj Life Insurance Company Limited) is one of India’s leading private life insurance providers, known for its strong legacy, customer-centric approach, and innovation-led growth. The company is part of Bajaj Finserv Limited, one of India’s most diversified financial services groups, and is now transitioning to being a fully Bajaj Group-owned entity following the exit of SE from the joint venture. With over two decades of experience, Bajaj Life Insurance offers...