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Reviewed by Finzony Finance TeamLast updated:
Care Health Ultimate Care is the insurer's flagship comprehensive health plan, built to make your cover grow over time. The base policy has no limit on room rent or ICU charges, pays for hospitalisation of 2 hours or more, covers all day care procedures and 12 listed advanced technology treatments, and adds 60 days of pre-hospitalisation and 90 days of post-hospitalisation expenses, AYUSH treatment, treatment at home and organ donor expenses, all up to the sum insured. Four features carry the plan. A cumulative bonus adds 50% of the sum insured every year up to 100%, and claims do not reduce it. Unlimited Automatic Recharge restores your base sum insured an unlimited number of times in a year, from your second claim, for the same or a different illness. A Loyalty Boost adds another 100% after 7 claim-free years. And the optional Infinity Bonus adds 100% of the base sum insured every year with no cap. You can choose a sum insured from ₹5 lakh to ₹1 crore, or an Unlimited option, on an individual or floater basis. Adults can join at 18 with no upper age limit. Many extras, such as Unlimited Care, Premium Payback, Instant Cover, maternity and OPD, are optional add-ons.
Infinity Bonus adds 100% of your base sum insured at every renewal, with an unlimited sum insured option
Finzony reads Ultimate Care as a plan for buyers who want a large cover that keeps growing, and who do not want to be capped on the hospital room. The base policy has no room rent or ICU limit and no zone-based co-payment. The cumulative bonus gives 50% a year up to 100% of the sum insured without being reduced by claims, Unlimited Automatic Recharge refills your cover every time it runs out from the second claim in a year, and the Loyalty Boost adds 100% after 7 claim-free years. Optional extras go further: the Infinity Bonus adds 100% of the base cover every year, Unlimited Care pays one claim with no limit, and Premium Payback returns your first-year premium after 5 claim-free years. Read what is not in the base plan. Maternity, OPD, dental, vision, IVF and newborn cover are paid add-ons, and many are offered on individual policies only. Pre-existing diseases wait 36 months, and Instant Cover, which cuts this to 30 days for seven common conditions, is available only on your first policy with Care. The Recharge starts from the second claim in a year unless you add the Booster. Non-payable items such as consumables are not paid unless you add Claim Shield. If you choose the Unlimited sum insured option, the bonuses, recharge and Loyalty Boost do not apply. Be careful with the headline price. Care's starting rate of ₹11 a day assumes two 18-year-olds, a ₹7 lakh sum insured, Room Rent Modification and sub-limit add-ons, so a typical quote with full cover will be higher. Compare it with other comprehensive plans on your own age and city.
Care Health Insurance
Key Insights
Founded
2012
Care Health Insurance was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.2% CSR, calculated as a 3-year average
Care Health Insurance settles 95.2% of all claims it receives, demonstrating strong credibility.
Network Hospitals
11,400+
Care Health Insurance has a network of 11,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Pays the expenses of in-patient treatment up to the sum insured, from a stay of 2 consecutive hours or more, when prescribed in writing by a medical practitioner and medically necessary. All day care treatments are covered too.
The 2-hour minimum does not apply to AYUSH treatment. Admissions for investigations, evaluation or injections are not paid.
The eligible room rent and ICU charges under the base policy are both "No limit", so there is no separate restriction on room or ICU charges during hospitalisation.
If you add Room Rent Modification for a lower premium, a higher room than your category reduces the related expenses proportionately. ICU stays unlimited.
Covers 12 listed treatments up to the sum insured, including uterine artery embolization and HIFU, balloon sinuplasty, deep brain stimulation, oral chemotherapy, monoclonal antibody immunotherapy, intravitreal injections, robotic surgery, stereotactic radiosurgery, bronchial thermoplasty, prostate laser vaporisation, IONM and stem cell therapy for bone marrow transplant.
Pays doctor fees, tests and pharmacy for 60 days before admission and 90 days after discharge, up to the sum insured, on a reimbursement basis.
Care's product page shows 180 days of post-hospitalisation cover, but the wording says 90 days, so confirm. An optional benefit can change the number of days.
Pays treatment under Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy at a qualifying AYUSH hospital, up to the sum insured.
Needs at least 24 consecutive hours in hospital, and treatment in India only.
Adds a flat 100% of your base sum insured every completed policy year, regardless of claims and with no end date, on top of the cumulative bonus.
If you stop renewing this option, the accumulated Infinity Bonus is lost.
Makes the Unlimited Automatic Recharge available for your first claim, once in the lifetime of the policy.
A 30-day wait applies to any illness except accidents, and accidents are covered from day 1. Named ailments wait 24 months and pre-existing diseases wait 36 months. The optional Instant Cover brings the pre-existing wait down to the 31st day for seven common conditions, and separate add-ons can change the initial, named ailment and pre-existing waits. A newborn added within 90 days of birth shares the waits already served by the primary insured. The grace period is 30 days, or 15 days for monthly payment.
Initial waiting period
Any illness in the first 30 days of the policy is not covered. Accidents are covered from day 1.
Named ailments
14 listed conditions and procedures, such as cataract, hernia, stones and joint replacement, wait 24 months of continuous cover, unless an accident caused them.
Pre-existing diseases
Declared and accepted pre-existing diseases are covered after 36 months. If a named ailment is also pre-existing, the longer wait applies.
Instant Cover (optional)
Conditions or treatments that the policy clearly says it will not cover.
These named ailments and procedures are excluded for the first 24 months of continuous cover, unless an accident caused them, whether or not they were pre-existing. You can shorten this wait with the optional Named Ailment Wait Period Modification. The list below follows Care Health's standard list, and your policy wording is the final reference.
Insurer
Care Health Insurance plans and claim process
Ultimate Care is Care Health's flagship comprehensive health plan. It has no limit on room rent or ICU charges, a cumulative bonus of 50% a year up to 100%, Unlimited Automatic Recharge and a Loyalty Boost, and a long list of optional add-ons such as Infinity Bonus, Unlimited Care and Premium Payback.
You can choose a sum insured from ₹5 lakh to ₹1 crore, or an Unlimited option, on an individual or floater basis. Care's website offers terms of 1, 2 or 3 years. Check the exact steps on your quote.
Care Health lists a starting price of ₹11 a day, about ₹4,015 a year, for two adults aged 18 with a ₹7 lakh sum insured in a Zone 3 city, with Room Rent Modification and sub-limit add-ons. A normal quote with full cover will be higher, and it depends on your age, city, sum insured and add-ons.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Care Health Insurance website before purchasing.
Contact Details
1800 102 6655
Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009
The aforementioned ratios have been averaged over three years (FY24-FY26)
If you make no hospitalisation claim in the previous 5 consecutive policy years, Care refunds the first policy year's base premium.
Paid once in every block of 5 years, and only if you keep renewing.
Pays the hospitalisation expenses for any one claim in the policy lifetime without any limit from the annual sum insured.
Must be chosen when you buy the policy and kept for 5 continuous years. It ends after a claim, applies in India only, and is subject to the policy's co-payments and deductibles.
Waives the pre-existing disease wait for diabetes, hypertension, hyperlipidaemia, asthma, obesity, hypothyroidism and coronary artery disease (if angioplasty was done over a year before), with cover from the 31st day.
Only on your first policy with Care and with continuous renewal. You cannot choose it together with the PED Wait Period Modification.
Change the initial 30-day wait, the 24-month named ailment wait or the 36-month pre-existing disease wait to the shorter periods shown in your policy schedule. Care's prospectus shows a named ailment wait of 0 days, 1 year or 3 years.
Each is a separate option and costs extra premium.
Pays the non-payable items in Lists I to IV of Annexure I for an accepted claim, up to the sum insured.
Pays only items not covered under any other benefit.
Raises your base sum insured each year by the previous calendar year's inflation, measured by the CPI.
The extra amount lapses if you do not continue this option.
Choose a Single Private AC Room, Twin Sharing Room, General Ward, or General Ward up to ₹3,000 a day as your eligible room, for a lower premium.
If you take a higher room, you bear a proportionate share of the associated medical expenses. There is no limit on ICU charges.
Reduce your premium by bearing a yearly deductible, or a fixed percentage of every claim as co-payment.
The deductible is deducted from each claim and counted across the policy year. The amounts are in your schedule.
Lowers your premium if you accept a 20% co-payment whenever you are treated outside Care's Annexure III hospitals, or you use reimbursement instead of cashless at those hospitals.
The extra 20% is on top of any other co-payment in your policy.
Plus Benefit adds an amount from your schedule once your base sum insured is used. Tenure Multiplier pools the annual sum insured across a multi-year policy for one claim, so a 3-year ₹5 lakh policy gives ₹15 lakh for it.
Both must be chosen at the start, and the Plus Benefit does not carry forward.
Pays delivery, pre-natal and post-natal expenses up to a percentage of the sum insured set in your schedule, and the cover can build up to 3 times if you do not claim. Newborn Baby Cover, newborn external congenital defects and newborn vaccination can be added.
Ages 18 to 45, with a waiting period in your schedule, on individual policies only.
Pays medically necessary expenses for sub-fertility treatment up to the amount in your schedule, once in a policy year.
You and your spouse must both be continuously covered, a waiting period applies, and cryopreservation and surrogate services are excluded.
Covers people who have already had cancer. Option 1 pays a recurrence or metastasis up to 25% of the sum insured a year. Option 2 pays any cancer up to twice the base sum insured over a lifetime.
Must be chosen when you buy the policy, only on individual policies, and no other add-on can be chosen with it.
Earn a renewal discount by recording steps: 10% for 120 healthy days, 15% for 180, 20% for 240 and 30% for 270 days. Be-Fit Plus gives unlimited visits to network fitness centres.
A healthy day is 10,000 steps, or 8,000 steps for people aged 60 and above. Be-Fit Plus is for people above 12 years.
A yearly check-up at network centres, with a basic panel for a sum insured of ₹5 to 10 lakh and a wider panel with a treadmill test above ₹10 lakh.
Once a year for each insured person on cashless basis, individual policies only, and it does not reduce your sum insured.
Optional covers for physical consultations (₹500 a visit), dental and vision care, women care, mental health wellbeing, OPD diagnostics and pharmacy, unlimited e-consultations and smoking and alcohol rehabilitation.
Individual policies only, with limits set in your schedule.
Travel Plus covers emergency hospitalisation, emergency OPD and trip problems abroad. CoverPause lets you pause your policy for up to 30 days if everyone insured travels outside India, and extends your policy by those days.
Intimate Care at least 48 hours before travel. Travel Plus excludes pre-existing diseases unless you add the life-threatening condition option.
Also available: Spouse Care, Grace Period Cover, Policyholder Child Protection, OPD Reward, Durable Medical Equipment, Concierge or Geriatric Care, Surrogacy Care and Oocyte Care.
Terms, limits and waiting periods for each are in your policy schedule.
Seven common conditions, such as diabetes and hypertension, are covered from the 31st day instead of after 36 months. You need to buy it on your first policy with Care.
Newborn child
A child born after the policy starts and added within 90 days of birth shares the waiting period already served by the primary insured. A child added later serves fresh waits.
Higher sum insured or a new member
If you raise your sum insured, the waits start again only for the added amount. A member added later serves all waits afresh, except through Spouse Care or the newborn benefit.
No. The base policy has no limit on room rent or ICU charges. If you add Room Rent Modification to reduce your premium, you get a room category, and a higher room reduces the related expenses proportionately.
At the end of each completed policy year, Care adds 50% of your sum insured, up to a maximum of 100%. A claim does not reduce the bonus already earned, but you lose it if you do not renew within the grace period.
When your sum insured and bonuses are used up in a policy year, Care restores up to your base sum insured, as many times as needed, for the same or a different illness. It starts from the second claim in a year, unless you add the Recharge Booster, and unused recharge does not carry forward.
If you make no hospitalisation claim for 7 consecutive policy years, Care adds another 100% of your sum insured, once in the lifetime of the policy. The waiting period is waived on the added amount.
Infinity Bonus is an optional extension of the cumulative bonus. It adds a flat 100% of your base sum insured for every completed policy year, regardless of claims and without an end date. You lose it if you stop renewing the option.
Unlimited Care, an optional benefit, pays one claim in your policy lifetime without any limit from the annual sum insured. You choose it at the start, keep it for 5 years, and it ends after one claim. Premium Payback refunds your first-year base premium after each block of 5 claim-free years.
Pre-existing diseases wait 36 months of continuous cover. With the optional Instant Cover, diabetes, hypertension, hyperlipidaemia, asthma, obesity, hypothyroidism and some heart conditions are covered from the 31st day. Instant Cover is available only on your first policy with Care.
14 named ailments and procedures wait 24 months, including cataract, hernia, kidney and gall bladder stones, joint replacement, benign prostate enlargement, hysterectomy and varicose veins. The wait does not apply to claims caused by an accident.
Not in the base plan. Maternity, newborn cover, OPD, dental, vision and IVF are optional add-ons, and many of them are available on individual policies only.
It removes the annual sum insured cap, so a hospital claim is limited only by the policy terms. With this option, the cumulative bonus, Unlimited Automatic Recharge, Loyalty Boost, Infinity Bonus, Unlimited Care and a few other benefits do not apply.
Adults can join from 18 with no upper age limit, and children from 91 days to 24 years. An individual policy covers up to 6 people, and a floater covers 2 adults and 2 children. You can cover your spouse, children, parents, parents-in-law and grandparents.
For cashless treatment, go to a network hospital and submit a pre-authorisation request at the TPA desk. For reimbursement, get treated anywhere, pay the bill, and send your claim form with receipts and documents. Intimate Care at least 48 hours before planned hospitalisation, or within 24 hours of an emergency admission.