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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
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 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 moneyback 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.

You will get up to a 30% discount on premiums when you buy the policy. Also, a 30% discount on the renewal if you stay healthy. With the infinity bonus, you will get a 100% bonus of the sum insured every year, irrespective of the claims you made. You will get to know more 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
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

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.

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 →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Inclusions

  • Comprehensive coverage This plan offers comprehensive coverage for you and your family. You will get a wide range of medical expenses, including hospitalization, surgery, and daycare treatment.
  • No capping on room rent limit Choose any room in the hospital while getting treatment or healthcare. Yes, there will be no restrictions on the room rent with this plan.
  • Sum insured You will get sum insured options from Rs 5 Lakh to Rs 1 Cr under this plan.
  • Newborn-wait period benefits You can add your newborn baby to the policy within 90 days of birth. They will be covered with the same waiting period as your existing plan.
  • Advanced technology covered Advanced technology in healthcare like advanced surgeries, radical diagnosis, EMR, and other treatments are covered in this plan.
  • Lifelong coverage With this plan, you will get lifelong coverage.
  • Floater options Choose either individual or family floater options as per your needs. Under the floater option, you can get complete coverage for your partner, children, etc.
  • Health services With this plan, you will get a health portal and a discount connection. Doctor on chat, healthy tips reminder, discounts for consultation, diagnostics etc. are covered under this benefit.

Exclusions

  • Permanent diseases or health conditions that are not included under Ultimate Care health insurance plan are:
  • Hospitalization out of war, riot, strike, and nuclear weapons
  • Intentional self-injury
  • OPD
  • Miscarriage, and abortion
  • Congenital disease
  • 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: - 18 Years
  • Max Entry Age: - No Age Limit
  • SI: - 5 L to 1 Cr
  • Waiting Period: - 30 Days

Other features & benefits

Benefits of Ultimate Care Plan

  • MoneyBack

    Stay healthy and get rewards. No claims for 5 consecutive years and your first-year base premium will be returned.

  • Loyalty Boost

    After 7 claim-free years, an additional SI equivalent to the first policy year's SI will be given to you.

  • Infinity Bonus

    It is not just limited to the cumulative bonus. It provides a 100% bonus of the sum insured every year, irrespective of claims made.

  • MediVouchers

    This plan will ease your out-of-pocket expenses by giving pharmacy vouchers worth Rs 250 each.

  • Welcome Discount

    If you are a new buyer, you will get a 30% discount immediately.

Conclusion

The Care Ultimate Care plan from Care Health Insurance offers comprehensive health coverage with a focus on eliminating common pain points in health insurance. It distinguishes itself with features like no room rent or ICU rent limits, ensuring you can choose the best available medical care without financial constraints. The plan also boasts no copayment or deductible, simplifying the claims process. Furthermore, the unique Infinity Bonus and Loyalty Boost features significantly increase your coverage over time, rewarding you 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 for you and your family. However, it's 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 unlimited benefits, good for long-term use but slightly

Explore Care Health Insurance

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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: 14 Feb 2025 · Originally published: 14 Feb 2025

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