Health Insurance

Term Insurance

Blogs

Claims

Tools

Partner with us

Health Insurance
- Explore Insurers
- Explore Insurance Plans
- Explore Insurance Types
Term Insurance
- Explore Insurers
Blogs
Claims
- Claim Stories
- Explore Insurers
Tools
- Explore Calculators

Partner with us

OneAssure

Health Insurance

Care

Ultimate (Direct)

Get cashless treatment at 22,000+ network hospitals with Care Ultimate (Direct).

96%

Claim Settlement Ratio

22,000+

Network Hospitals

10/10

Plan Rating

Get a Quote

Our Verdict

Expert Review: Care Ultimate (Direct)

Final Verdict

About

What Is Ultimate (Direct)?

Ultimate (Direct) Ratings

Ultimate (Direct)

Insurer Rating

7.51

out of 10

Insurance Rating

10

out of 10

No Room Rent Limit

Yes

Consumables Covered

Yes

No Co-payment

Yes

Loyalty Bonus >= 500%

Yes

No Disease Sublimits

Yes

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Maternity Available

Add on

Waiting Period Waiver

Yes

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

swipe

Inclusions

Care Ultimate (Direct) Inclusions

Room Rent

The cost of hospital room accommodation is covered under a health insurance policy, subject to specified limits.
No limit on room rent or ICU charges, allowing policyholders to choose any hospital room without financial constraints.

Advanced Treatments

Modern medical procedures like robotic surgery or stem cell therapy, often covered under specialized insurance plans.
Covers modern procedures like robotic surgery, stem cell therapy, oral chemotherapy, and deep brain stimulation for critical illnesses.

Co-payment

A fixed percentage of the claim amount that the insured must pay out-of-pocket before the insurer covers the rest.
No mandatory co-payment for policyholders under 61; a 20% co-payment applies for those purchasing after turning 61.

Cashless Healthcare Providers

Hospitals and clinics within an insurer’s network where policyholders can receive treatment without upfront payments.
Access to over 24,800 network hospitals for cashless treatment, ensuring hassle-free hospitalization without upfront payments.

Waiting Period

The duration after policy issuance during which certain illnesses or conditions are not covered.
Coverage begins after 30 days for general illnesses, two years for specific conditions, and three years for pre-existing diseases.

Daycare Treatment

Medical procedures requiring less than 24-hour hospitalization, such as cataract surgery or chemotherapy.
Covers treatments requiring hospitalization of less than 24 hours, such as cataract surgeries, chemotherapy, and other specialized procedures.

Add ons

Ultimate (Direct) Add-Ons and Riders

Infinity Bonus

Wellness Benefit

Porting Tenure

Grace Period Coverage

Annual Health Check Up

Premium Payback

Room Rent Modification

Care Opd

Insurance Premium Calculator

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Name

Phone Number

Your Enquiry

Name

Phone Number

Your Enquiry

About the company

About Care

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.