-
Helpline Support
+91 82711 63025
-
Contact Mail
policysuggest@gmail.com
Ultimate Care
The Future of Health Insurance — Unlimited Sum Insured & Premium Payback
The ultimate evolution in health insurance offering Unlimited Sum Insured options, refund of first-year base premium after 5 claim-free years, loyalty rewards, and wellness discounts.
Plan Details & Concept
You live every moment with the assurance that your health insurance will always have your back. Care Health Insurance presents Ultimate Care — the ultimate evolution in health insurance.
It not only secures you financially from treatment costs of medical exigencies but also pays back your base premium if you don't make a claim for 5 consecutive years. Moreover, it offers lifelong loyalty rewards, infinity bonus, and wellness discounts for staying healthy.
Awarded 'Best Claim Settlement Company of the Year' at the 9th Annual India Insurance Summit & Awards 2025.
Core Benefits & Highlights
Unlimited Sum Insured
Comprehensive options from 5L, 7L, 10L, 15L, 20L, 25L, 50L, 1Cr, up to Unlimited Sum Insured
Premium Payback*
No hospitalisation claim for 5 consecutive policy years? 1st policy year base premium refunded in every block of 5 years (Optional benefit)
Loyalty Boost#
Additional 100% of SI as bonus (equivalent to 1st policy year's SI) added after 7 consecutive claim-free years, once in a policy lifetime
Infinity Bonus^^
100% bonus of the Sum Insured every year irrespective of claims made, for unlimited times on continuous renewal (Optional benefit)
Wellness Discount**
Earn up to 30% discount on renewal premiums through the healthy days program on Care Health Customer App (10,000 steps/day)
Welcome Discount^
Up to 30% discount on premium for new policy buyers (30% 1st yr, 20% 2nd yr, 10% 3rd yr)
Tenure Multiplier##
Combine annual Sum Insured of multi-year policy for a single claim in a policy tenure
MediVouchers
Two pharmacy vouchers worth ₹250 each provided upon 1st renewal with the Company
Ambulance Cover
Covered up to Sum Insured for any mode of transport (Road, Air, Train, Boat etc.)
Advance Technology Methods
Covered up to Sum Insured without sub-limits
Pre & Post Hospitalization
60 days pre-hospitalization and 90 days post-hospitalization medical expenses covered up to Sum Insured
Unlimited Automatic Recharge
Available for unlimited times for unrelated or same illness from subsequent claim
Inpatient & Hospitalization Scope
| Coverage Benefit | Coverage Limit / Terms |
|---|---|
| In-Patient Care | Covered up to Sum Insured |
| Day Care Treatment | All day care procedures covered up to Sum Insured |
| Advance Technology Methods | Covered up to Sum Insured |
| Pre-Hospitalization Medical Expenses | Up to Sum Insured, pre-hospitalization cover for 60 days prior to hospitalization |
| Post-Hospitalization Medical Expenses | Up to Sum Insured, post-hospitalization cover for 90 days after discharge |
| Room Rent & ICU Cover | Up to Sum Insured (No room category capping) |
| AYUSH Treatment | Covered up to Sum Insured |
| Domiciliary Hospitalization | Covered up to Sum Insured |
| Organ Donor Cover | Covered up to Sum Insured |
| Ambulance Cover | Covered up to Sum Insured (Road, Air, Train, Boat etc.) |
| Cumulative Bonus | 50% of Base SI per year irrespective of claim, maximum up to 100% (Shall not reduce in case of claim) |
| Unlimited Automatic Recharge | Available for unlimited times for unrelated or same illness from subsequent claim |
| Health Services | Doctor on chat, healthy tips reminder, and Discount Connect for consultations, diagnostics & maternity at network |
Advanced Policy Innovations
- Premium Payback: Refund of 1st policy year base premium in every block of 5 claim-free years subject to subsequent policy renewal
- Infinity Bonus: 100% of Base Sum Insured per year irrespective of claim for unlimited times on continuous renewal
- Loyalty Boost: Additional 100% of the SI as bonus added to coverage after 7 consecutive claim-free years
- Tenure Multiplier: Combine annual Sum Insured of multi-year policy for a single claim in a policy tenure
- MediVouchers: 2 pharmacy vouchers worth ₹250 each provided on first policy renewal
- Health Portal & Discount Connect: Online doctor consultations, wellness reminders, and discounted network health services
Customize With Optional Riders
Instant Cover
Pre-existing Diabetes, Hypertension, Hyperlipidemia, Asthma, Obesity, Hypothyroidism, or CAD with PTCA >1 yr covered from 31st day post initial 30 days wait period
Claim Shield
Specified list of 68 non-payable medical items covered up to the Sum Insured
PED Wait Period Modification
Modify pre-existing diseases waiting period to 1 year or 2 years
Be-Fit Plus
Unlimited access to fitness centres in a policy year for insured members aged 12+ years
Grace Period Coverage
Continuous protection during policy grace period for hospitalization expenses
Annual Health Check-Up
Once for all insured persons every policy year
Out-Patient Consultations
General Physicians & Specialists physical consultations up to ₹5,000 per insured (limit ₹500/consultation)
Physical Consultations with Specialist Doctors
Up to 4 physical specialist consultations per policy year (limit ₹500/consultation)
Entry Guidelines & Waiting Periods
Minimum Entry Age: Adult 18 years, Child 91 days.
Maximum Entry Age: Adult No upper age limit, Child 24 years.
Exit Age: Adult Lifelong, Child 25 years.
Cover Type: Individual (up to 6 persons) | Floater (up to 2 Adults + 2 Children).
Policy Tenure: 1, 2, or 3 years.
Pricing Zones: Zone 1 (Delhi NCR, Surat, Mathura, Aligarh), Zone 2 (Telangana, Mumbai MMR, Ahmedabad, Vadodara, Nashik), Zone 3 (Pune, Indore, Bengaluru Urban, Rest of Gujarat), Zone 4 (Rest of India).
Waiting Periods: Initial waiting period 30 days (not applicable on accidents), Named ailment waiting period 24 months, Pre-existing diseases waiting period 36 months (modifiable to 1 or 2 years with optional cover).
Our Healthcare Commitments
30 Mins
Cashless Claim Processing
10,000+
Network Hospitals
24x7
Customer Service Support
10 Lakh+
Claims Successfully Processed
Regulatory Disclaimer
Care Health Insurance Limited. Registered Office: 5th Floor, 19 Chawla House, Nehru Place, New Delhi-110019. Correspondence Office: Vipul Tech Square, Tower C, 3rd Floor, Golf Course Road, Sector-43, Gurugram-122009 (Haryana). CIN: U66000DL2007PLC161503. UIN: CHIHLIP26058V022526. UAN: 26027161. IRDAI Registration Number - 148. Insurance is a subject matter of solicitation.
Official Policy Brochure
Download the complete product brochure for Ultimate Care with all terms, waiting periods, and schedules.
Download Plan Brochure Calculate Premium