Care Ultimate
Care Health Insurance
9.2/10
OneAssure Rating
9.2/10
OneAssure Rating
Highlighted Features
No Limit on Room Rent & ICU Charges
Enjoy unlimited coverage for normal room and ICU stays, ensuring top-quality medical care without financial constraints.
Comprehensive Day Care Treatment Coverage
Covers medical procedures requiring less than 24-hour hospitalization, including cataract surgeries, chemotherapy, and advanced treatments, ensuring complete protection.
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Our Verdict
Care’s new product offers excellent features, including a 100% increase in the sum insured after seven claim-free policy years. The Infinity Bonus add-on provides a 100% increase in the sum insured every year upon renewal, with no capping. Additionally, the first-year premium is refunded if no claims are made for five consecutive years. This plan is available at a discounted rate this year, but premiums may increase in the future. It is also suitable for customers with one heart stent.
About the Plan
Care Health Insurance's Ultimate Care Plan offers comprehensive health coverage with unique benefits. Policyholders receive a refund of the first year's base premium after every five consecutive claim-free years under the MoneyBack feature. The Loyalty Boost benefit doubles the base sum insured after seven consecutive claim-free years, enhancing coverage. Additionally, the Infinity Bonus increases coverage by 100% upon each renewal, with no maximum limit. The plan also provides a cumulative bonus, adding 2 times the sum insured after two consecutive renewals. These features ensure policyholders are rewarded for maintaining good health while enjoying extensive medical coverage.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: No Limit
ICU: No Limit
Advanced Treatments
Uterine artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Immunotherapy
Deep Brain Stimulation
Intra Vitreal Injections , etc.
Co-payment
There is no mandatory co-payment for policyholders below 61 years. However, a 20% co-payment applies to those purchasing the policy after turning 61.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Illness Waiting Period: 2 years for certain listed conditions.
Pre-existing Diseases: Coverage begins after a 3-year waiting period.
Cashless Healthcare Providers
Policyholders can access a vast network of over 24,800 healthcare providers for cashless treatments.
Day Care Treatments
The plan covers medical procedures that require less than 24-hour hospitalization, such as cataract surgeries or chemotherapy, ensuring comprehensive protection.
AYUSH Treatment
Alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered, provided they are administered by licensed practitioners.
Exclusions
A 30-day initial waiting period applies, except for accident-related claims.
Two-year waiting period for specific listed illnesses before coverage begins.
Pre-existing diseases are covered only after a three-year waiting period.
Cosmetic or plastic surgery unless required due to injury or burns is not covered.
Self-inflicted injuries, suicide attempts, or treatment for substance abuse are excluded.
Dental treatments, hearing aids, and spectacles unless medically necessary are not covered.
Infertility treatments, pregnancy-related expenses, and maternity costs are excluded.
Treatment for congenital anomalies or birth defects is not covered.
Injuries due to participation in hazardous activities or adventure sports are not included.
Experimental or unproven medical procedures are not covered under the policy.
Exclusions
MoneyBack Benefit - Receive a refund of the first-year base premium after every five consecutive claim-free years.
Infinity Bonus - Enjoy a 100% increase in your base sum insured upon renewal each year, with no maximum limit, regardless of any claims made.
Loyalty Boost - Double your sum insured after seven continuous claim-free years, providing enhanced coverage over time.
Premium Payback - Benefit from a return of premiums paid under specific conditions, rewarding long-term policyholders.
Grace Period Cover - Avail coverage during the grace period, ensuring uninterrupted protection even if there's a delay in premium payment.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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