How does the waiting period affect my coverage?

Care Ultimate covers pre-existing diseases after three years; specific illnesses have a two-year waiting period.

What happens if I don’t use my health insurance benefits for the entire year?

Care Ultimate offers increased sum insured through Loyalty Boost and premium refunds for claim-free years.

Will my health insurance cover treatment abroad?

Care Ultimate does not cover treatments abroad; coverage is limited to hospitals within India.

OneAssure

Health Insurance

Care

Ultimate

Care Ultimate

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

9.2

Customer Rating

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

9.2

Customer Rating

Policy Brochure

Our Verdict

Expert Review: Care Health Insurance

Final 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.

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...

About

About Care Health Insurance

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.

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...

Ultimate Ratings

Ultimate

Insurer Rating

5.69

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

No

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

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Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

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

96%

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

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

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.

Add ons

Add-Ons

Porting Tenure

Instant Cover

Wellness Benefit

Grace Period Coverage

Premium Payback

Annual Health Check-up

PED Wait Period 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.

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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.

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...

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.