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The Ultimate Care health insurance plan by Care Health is designed to provide comprehensive coverage to the policyholder with a range of benefits. This revolutionary plan rewards you for staying healthy with money-back and loyalty benefits. You will not only be secured financially during medical emergencies but also get back your premium if you do not make a claim for 5 consecutive years.
Buy this plan now and get benefits for your whole life.
New policyholders can receive up to a 30% discount on premiums, with an additional 30% renewal discount for maintaining good health. The Infinity Bonus provides a 100% bonus on the sum insured annually, regardless of claims made. You will find more details about the Ultimate Care Health Insurance plan below.
| PLAN DETAILS |
Ultimate Care |
Optima Lite Health Insurance Plan |
| Product Type | Individual and Family Health Insurance | Individual |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Not Covered |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 15000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Available | - |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Not Available | - |
| Plan Entry Age | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong | Children: 91 days; Adults: 18 years |
| Plan Premium Entry Age and S/A | 6491 | - |
| Plan Waiting Period | 30 | 30 days |
| Plan Coverage | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover | - |
| Plan Sample Premium | 6491 | - |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3, 4, 5 years | 1/2/3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Not Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Covered |
| Air Ambulance | Covered | Not Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 97 | 95.30 |
| Solvency Ratio | 1.74 | 2.00 |
|
Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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