Care Ultimate Care Plan

Overview

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.

Inclusions

• Comprehensive Coverage

  This plan offers comprehensive coverage for you and your family, including a wide range of medical expenses such as hospitalization, surgery, and daycare treatment.

• No Capping on Room Rent Limit

  Policyholders can choose any room in the hospital for treatment, as there are no restrictions on room rent with this plan.

• Sum Insured Options

  Sum Insured options range from ₹5 Lakh to ₹1 Crore under this plan.

• Newborn Waiting Period Benefits

  Newborn babies can be added to the policy within 90 days of birth and will be covered with the same waiting period as the existing plan.

• Advanced Technology Covered

  Advanced healthcare technologies, including advanced surgeries, radical diagnosis, EMR, and other treatments, are covered.

• Lifelong Coverage

  This plan offers lifelong coverage.

• Floater Options

  Choose between individual or family floater options as per your needs. The family floater option provides complete coverage for your partner, children, and other family members.

• Health Services

  This plan includes access to a health portal and discount connections, offering benefits like doctor-on-chat, healthy tips reminders, and discounts on consultations and diagnostics.

Exclusions

Permanent Exclusions

• Hospitalization due to war, riot, strike, and nuclear weapons
• Intentional self-injury
• Out-patient Department (OPD) treatments
• Miscarriage and abortion
• Congenital diseases
• Infertility and in vitro fertilization

Waiting Period Exclusions

• Listed ailments after 12 months
• Pre-existing diseases after 30 days

Benefits of Ultimate Care Plan

• MoneyBack

  Stay healthy and get rewarded. If no claims are made for 5 consecutive years, your first year's base premium will be returned.

• Loyalty Boost

  After 7 claim-free years, an additional Sum Insured equivalent to the first policy year's Sum Insured will be provided.

• Infinity Bonus

  This bonus provides a 100% increase in the sum insured every year, irrespective of claims made.

• MediVouchers

  This plan helps ease out-of-pocket expenses by providing pharmacy vouchers worth ₹250 each.

• Welcome Discount

  New policyholders receive an immediate 30% discount.

Conclusion

The Care Ultimate Care plan from Care Health Insurance offers comprehensive health coverage, addressing common pain points in health insurance. It distinguishes itself with features like no room rent or ICU rent limits, allowing policyholders to choose the best available medical care without financial constraints. The plan also features no copayment or deductible, simplifying the claims process. Furthermore, the unique Infinity Bonus and Loyalty Boost features significantly increase coverage over time, rewarding policyholders for staying healthy. With options for multi-year policies and a money-back benefit, the Ultimate Care plan provides financial security and peace of mind. However, it is important to review the policy documents for detailed coverage information, exclusions, and terms and conditions.