Buy Ultimate Care Plan by Care Health Insurance Online In India
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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
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

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 moneyback and loyalty benefits.

Why Do We Recommend This?
  • Newborn-wait period benefits
  • Health services
  • Lifelong coverage

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min: 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

A quick look at what this plan covers — and what it doesn't.

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.

Care Health ULTIMATE CARE Plan

Care Health ULTIMATE CARE Plan

Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance

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.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Entry Age: - 18 Years
  • Max Entry Age: - No Age Limit
  • SI: - 5 L to 1 Cr
  • Waiting Period: - 30 Days

Frequently Asked Questions

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 unlimited benefits, good for long-term use but slightly

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 14 Feb 2025

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