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.
Brochure
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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
Room Rent
All room categories are covered
ICU Charges
No restriction on ICU room rent
Disease-wise sublimits
No
Co-Payment
Not available
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
Specific Waiting Period
2 years
PED Waiting Period
3 years
Modern Treatments
Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period
Annual Health Checkup
Health checkup is not included as part of base cover. However, available as an add-on
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
Pre-Hospitalisation
You get cover for medical tests and doctor visits up to 60 days before hospitalisation, if your main claim is approved
Post-Hospitalisation
You get cover for medical bills up to 90 days after discharge, including physiotherapy if your doctor prescribes it
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
Cashless Healthcare Providers
21700+ Healthcare Providers
Coverage Options
Available coverage options: ₹5L, 7L, 10L, 15L, 20L, 25L, 50L, 1 Cr
Claim settlement ratio
87.10%
Maternity Cover
Not available
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
Tenure Multiplier - Combine yearly cover from your multi-year policy into one large claim, available once during the policy period
Claim Shield - Covers consumable costs like gloves, syringes, and medical supplies, etc. which are usually not included in base coverage
Wellness Benefit Discount - Earn up to 30% renewal discount by tracking daily steps
Be-Fit Program - Unlimited gym access and fitness benefits for policyholders above 12 years
PED Wait Reduction - Modify pre-existing disease waiting period to 1 or 2 years
Instant Cover Benefit - Coverage for hypertension, diabetes, asthma, or hyperlipidemia after 30 days
Infinity Bonus - Provides a 100% cumulative bonus for an infinite period, enhancing your sum insured
Unlimited Care - Hospitalization expenses covered without annual limit restriction, applicable for one eligible claim across the policy’s lifetime
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
Unlimited E-Consultation - Enjoy unlimited e-consultations! Connect with General Physicians and Specialists digitally, without any limits
Grace Period Coverage - Ensures your hospitalization expenses are covered even during the policy's grace period, providing uninterrupted protection
Add-ons
Related Variants
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We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
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