Care Ultimate
Care
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
No Limit on Room Rent & ICU Charges
Enjoy unlimited coverage for normal room and ICU stays, ensuring top-quality medical care without financial constraints.
Comprehensive Day Care Treatment Coverage
Covers medical procedures requiring less than 24-hour hospitalization, including cataract surgeries, chemotherapy, and advanced treatments, ensuring complete protection.
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Our Verdict
Care’s new product offers excellent features, including a 100% increase in the sum insured after seven claim-free policy years. The Infinity Bonus add-on provides a 100% increase in the sum insured every year upon renewal, with no capping. Additionally, the first-year premium is refunded if no claims are made for five consecutive years. This plan is available at a discounted rate this year, but premiums may increase in the future. It is also suitable for customers with one heart stent.
About the Plan
Care Health Insurance's Ultimate Care Plan offers comprehensive health coverage with unique benefits. Policyholders receive a refund of the first year's base premium after every five consecutive claim-free years under the MoneyBack feature. The Loyalty Boost benefit doubles the base sum insured after seven consecutive claim-free years, enhancing coverage. Additionally, the Infinity Bonus increases coverage by 100% upon each renewal, with no maximum limit. The plan also provides a cumulative bonus, adding 2 times the sum insured after two consecutive renewals. These features ensure policyholders are rewarded for maintaining good health while enjoying extensive medical coverage.
About the Plan
Product Stats
Rating
Features of the Product
ICU Charges
No restriction on ICU room rent
Specific Waiting Period
2 years
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
Annual Health Checkup
Health checkup is not included as part of base cover. However, available as an add-on
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Outpatient Department Cover (OPD Expense)
OPD expense is not included as part of base cover. However, available as an add-on
Deductible Option
Not available
Coverage Options
Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr
Claim Settlement Ratio
87.10%
Maternity Cover
Not available
Room Rent
All room categories are covered
Modern Treatment
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Co-payment
Not available
Cashless Healthcare Providers
21700+ Healthcare Providers
Daycare Treatment
Covers medical expenses for treatments not requiring 24-hour hospitalization, up to annual sum insured
AYUSH Treatment
Covers AYUSH treatment expenses up to your annual sum insured during the policy period
Disease-wise sublimits
No
Restoration Benefit
Yes, your sum insured restores to 100% each time you make a claim in a policy year, for both related and unrelated illnesses
Cumulative Bonus
Your sum insured increases by 50% every year maximum upto 100%. However, you can pay an additional premium to increase sum insured up to 100%, every year.
Consumable Cover
No. However, available as an add-on
Initial Waiting Period
30 days
PED Waiting Period
3 years
Exclusions
A 30-day initial waiting period applies, except for accident-related claims.
Two-year waiting period for specific listed illnesses before coverage begins.
Pre-existing diseases are covered only after a three-year waiting period.
Cosmetic or plastic surgery unless required due to injury or burns is not covered.
Self-inflicted injuries, suicide attempts, or treatment for substance abuse are excluded.
Dental treatments, hearing aids, and spectacles unless medically necessary are not covered.
Infertility treatments, pregnancy-related expenses, and maternity costs are excluded.
Treatment for congenital anomalies or birth defects is not covered.
Injuries due to participation in hazardous activities or adventure sports are not included.
Experimental or unproven medical procedures are not covered under the policy.
Exclusions
Instant Cover - With Instant Cover, the standard waiting period for specific pre-existing diseases such as Diabetes, Hypertension, Hyperlipidemia, Asthma, Obesity, Hypothyroidism, and certain heart conditions is waived, allowing for immediate coverage if declared at policy inception.
Wellness Benefit - Rewards healthy habits with premium discounts and added coverage.
Grace Period Coverage - Ensures your hospitalization expenses are covered even during the policy's grace period, providing uninterrupted protection.
Premium Payback - If no hospitalization claim is made for 5 consecutive policy years, your 1st policy year's premium will be refunded in every 5-year block.
Annual Health Check-up - Receive a complimentary Annual Health Check-up for all insured members, once every policy year.
Care OPD - Covers outpatient consultations: 4 General and 4 Specialist consultations, with a maximum of ₹500 per consultation.
PED Wait Period Modification - This rider allows you to reduce or eliminate the waiting period for Pre-Existing Diseases (PEDs). Choose to have your PEDs covered in 0 days, 1 year, or 2 years, instead of the standard waiting period.
Infinity Bonus - With the Infinity Bonus, your policy's Base Sum Insured increases by 100% annually. This growth continues with each renewal and will not reduce even if you make a claim, providing ever-increasing coverage.
Tenure Multiplier - For multi-year policies, the Tenure Multiplier lets you pool the Sum Insured from each year into one larger amount for the entire policy duration. This combined benefit can be utilized a single time for one claim during your policy's period.
Unlimited E-Consultation - Enjoy unlimited e-consultations! Connect with General Physicians and Specialists digitally, without any limits.
Unlimited Care - Offers unlimited coverage for one claim during the lifetime of the policy, meaning there is no upper cap on the sum insured for that specific claim.
Be-Fit Plus - Be-Fit Plus
Out-Patient Consultations - Out-Patient Consultations
Claim Shield - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
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.
About the Company
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FAQs
Frequently Asked Questions
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.
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