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Care Health ULTIMATE CARE Plan
Care Health Insurance
Care Ultimate Care Plan
The Ultimate Care health insurance plan by Care Health is designed to ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,722 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement
About Care Ultimate Care Plan
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
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 at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong
Plan type
Individual and Family Health Insurance
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3, 4, 5 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Ambulance cover
- Discounts
- Loyalty boost
- Newborn cover
Cons
- OPD not covered
- Cosmetic surgeries
- Congenital diseases
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Covered
- ICU charges Covered
- Pre-hospitalization Covered
- Post-hospitalization Covered
- Domiciliary hospitalization Covered
- Day-care treatment Covered
- OPD charges Covered
- Covid-19 treatment Covered
- Cataract Covered
Bonuses & restoration
- No-claim bonus Covered
- Automatic restoration of SI Covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Covered
- E-consultation Covered
- Health check-up Covered
- Second medical opinion Covered
- Vaccination Covered
Conditions & global
- Co-payment Not covered
- Sub-limits Covered
- Compassionate travel Not covered
- Global coverage Not covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance
Care Health Insurance Network Hospital List
Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Inclusions
- Comprehensive coverageThis 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 limitPolicyholders can choose any room in the hospital for treatment, as there are no restrictions on room rent with this plan.
- Sum insuredSum Insured options range from ₹5 Lakh to ₹1 Crore under this plan.
- Newborn waiting period benefitsNewborn 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 coveredAdvanced healthcare technologies, including advanced surgeries, radical diagnosis, EMR, and other treatments, are covered.
- Lifelong coverageThis plan offers lifelong coverage.
- Floater optionsChoose 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 servicesThis 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 diseases or health conditions that are not included under the Ultimate Care health insurance plan are:
- 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
- Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
- Listed ailments after 12 months
- Pre-existing diseases after 30 days
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: Minimum 18 years
- Maximum: No Age Limit. Sum Insured: ₹5 Lakh to ₹1 Crore. Waiting Period: 30 Days.
Other features & benefits
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.
Care Ultimate Care Plan: FAQs
The 5 most-asked questions about Care Ultimate Care Plan, answered.
You can purchase the plan online through the Care Health Insurance website, through an insurance agent, or by contacting their customer care.
The premium depends on several factors, including the age of the insured, sum insured, chosen tenure, add-ons selected, and medical history.
In multi-year policies, the Tenure Multiplier allows you to make one large claim equivalent to the combined sum insured you would have across the remaining policy years. This is useful for very high-cost treatments.
The plan usually offers policy terms of 1, 2, 3, 4, or 5 years.
Care Health Insurance typically offers both cashless and reimbursement claim processes. For cashless, you can get treated at a network hospital. For reimbursement, you pay the bills upfront and then claim a reimbursement from the insurer. The exact process is detailed in the policy document and on their website.
Conclusion
A feature-rich plan with strong bonuses and extensive benefits, suitable for long-term use.
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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