Care Ultimate Care Plan

Care Ultimate Care plan is the first in the industry to offer a return of the first year’s base premium under the Money Back benefit after every 5 consecutive claim-free years. It rewards the policyholder after 7 consecutive claim-free years by enhancing the sum insured by 100% under the Loyalty Boost benefit. Moreover, it increases the sum insured by 100% every year regardless of the claim history under the Infinity Boost benefit.

This Care health insurance policy covers pre-existing obesity, diabetes, coronary artery disease, hypertension, asthma, hyperlipidemia and hyperthyroidism from the 31st day of the policy under the Instant Cover benefit. It also covers hospitalization expenses without any sum insured limit once in the policy lifetime under the Unlimited Care benefit.

Moreover, the policy comes with a wide range of optional covers, such as tenure multiplier, premium freeze, maternity insurance, unlimited recharge booster, OPD cover, plus benefit, consumables cover, annual health check-ups, cancer insurance, women care, etc.

Care Ultimate Care Plan: Key Highlights

Categories	Specifications
Sum Insured	₹5 lakh to ₹1 crore
Policy Tenure	1 year, 2 years, 3 years, 4 years, 5 years
Pre-existing Diseases Waiting Period	3 years
Discount	Up to 30% welcome discount Up to 30% wellness discount Up to 5% early renewal discount

Benefits of Care Ultimate Care Plan

Here are some of the key benefits of buying a Care Ultimate Care plan:

Money Back Benefit

For the first time, policyholders can get a refund of their first policy year’s base premium after a block of every five claim-free years under the Money Back benefit. However, this benefit is available as an optional cover.
Loyalty Boost

With the Loyalty Boost benefit, an additional coverage amount equal to 100% of the base sum insured will be provided to the policyholder, provided no claims have been raised in the previous 7 consecutive years. However, this benefit is available only once during the lifetime of the policy.
Infinity Bonus

The Infinity Bonus benefit enhances the coverage amount by 100% of the sum insured every year throughout the lifetime of the policy, regardless of any claims raised by the policyholder. However, this benefit is available as an optional cover.
PED Coverage from Day 31

This health insurance policy covers pre-existing hypertension, diabetes, asthma, hyperlipidemia, obesity, coronary artery disease and hyperthyroidism from day 31 of the policy with the Instant Cover benefit. However, this benefit is available as an optional cover.
Double Sum Insured

Policyholders can double their coverage amount in two years as the insurance company increases the base sum insured by 50% for up to a maximum of 100% on every policy renewal. Moreover, this cumulative bonus stays intact even if you raise a claim.
Unlimited Automatic Recharge

Under this benefit, the sum insured amount will automatically get recharged by 100% unlimited times a year in case the original coverage amount is completely exhausted after the first claim.
Annual Health Check-ups

Care Health Insurance Limited allows all insured family members to avail annual health check-ups on a cashless basis at any of its network service providers. However, this benefit is available as an optional cover.
30% Discount on Renewal Premiums

Policyholders can earn a discount of up to 30% on renewal premiums by achieving a target of 10,000 steps for 270 days or more under the Wellness Benefit. However, this benefit is available as an optional cover.
No Room Rent Limit

This Care health insurance policy has no limit on hospital room rent, allowing the insured to stay in any hospital room of their preference.
Free Pharmacy Vouchers

On the first renewal of this mediclaim policy, the insurer will provide two pharmacy vouchers of ₹250 each to the policyholder.
Access to Health Services

Care Health Insurance Limited provides health services, including doctors on chat and a digital locker for medical records on the health portal. They also offer discounts on OPD consultations, diagnostics, pharmacy, and maternity expenses availed at a network provider of the insurance company.
Tax Benefits

Premiums paid to buy a Care Ultimate Care policy will be eligible for tax deductions under Section 80D of the Income Tax Act.

Care Ultimate Care Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a Care Ultimate Care plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years Child – 91 days
Maximum Entry Age	Adult – No age limit Child – 24 years
Coverage Type	Individual/ Family floater
Relationships Covered	Self, spouse/same-sex partner/live-in-partner, children, parents, parents-in-law and grandparents
Renewability	Lifetime

Inclusions of Care Ultimate Care Plan

The following coverage are included in the Care Ultimate Care plan:

In-patient Care – It pays for the medical expenses incurred on getting hospitalized for at least 24 hours.
Day Care Treatment – It covers the cost of availing any day care treatment that requires less than 24 hours of hospital admission.
Advance Technology Methods – It pays for the cost of availing medical treatments through 12 advance technology methods, including stem cell therapy, deep brain stimulation and oral chemotherapy.
Pre-Hospitalization Medical Expenses – It covers the medical expenses incurred for up to 60 days before getting hospitalized.
Post-Hospitalization Medical Expenses – It pays for the medical expenses incurred for up to 90 days after getting discharged from the hospital.
AYUSH Treatment – It covers the cost of availing in-patient treatment through the AYUSH system of medicines.
Domiciliary Hospitalization – It pays for the medical expenses incurred on availing domiciliary treatment at home for more than 3 days on a qualified doctor’s advice in case shifting to a hospital is not possible.
Organ Donor Cover – It covers the medical expenses incurred by the organ donor during the harvesting of the organ for the transplant surgery of the insured.
Ambulance Cover – It pays for the cost of availing ambulance services through any mode of transportation to move the insured to or from the hospital.
New Born- Wait Period Benefit – It removes any waiting period applicable to the newborn baby’s treatment if the baby was added to the policy within the first 90 days of its birth.

Optional Covers:

Premium Payback – It refunds the base premium amount of the first policy year to the policyholder after every 5 consecutive claim-free years.
Infinity Bonus – It increases your coverage amount by 100% of the base sum insured on every renewal irrespective of whether you file a claim or not.
Instant Cover – It covers pre-existing asthma, diabetes, obesity, hypertension, coronary artery disease, hyperlipidemia and hyperthyroidism from the 31st day of the policy.
Tenure Multiplier – It allows the policyholder to combine the annual sum insured across the policy tenure in a multi-year health insurance policy for a single claim. This benefit is available once in the entire policy tenure.
Unlimited Care – It covers hospitalization expenses without any restriction on the sum insured amount once in the lifetime of the policy.
Unlimited Automatic Recharge Booster – It automatically restores the coverage amount by 100% of the sum insured for the first claim in the lifetime of the policy.
Premium Freeze – It freezes the policy premium as per the entry age of the policyholder unless a claim is raised.

Maternity Cover – It covers maternity expenses incurred during pregnancy and childbirth, including pre-natal and post-natal expenses. Moreover, it accumulates the maternity coverage amount for up to 3 times, provided no pregnancy-related claims have been filed.
OPD Care – It reimburses the medical expenses incurred for doctor consultations, pharmacy and diagnostic examinations on an outpatient department (OPD) basis.
Newborn Baby Cover – It pays for the hospitalization expenses incurred for the treatment of the newborn baby within the first 90 days of its birth.
Claim Shield – It pays for the cost of non-medical items, such as oxygen masks, IV injection charges, gauze, cotton, etc., availed during in-patient hospitalization.
Plus Benefit – It provides an additional coverage amount of 20%/ 50%/ 100%/ 500% of the sum insured from day 1 of the policy, which will get activated once the base sum insured is completely exhausted.
Inflation Shield – It increases the sum insured of the policy based on the inflation rate of the previous year.
Annual Health Check-up – It covers the cost of preventive health check-ups once every year incurred by each insured member.
Cover Pause – It allows the policyholder to pause policy coverage for up to 30 days once a year in case he/she is travelling abroad. The policy tenure will be extended by the number of days it was paused under this benefit.
Outpatient Consultations – It pays for the medical expenses incurred on availing OPD consultations with general physicians and specialists.
Outpatient Dental and Vision Care – It covers the cost of OPD dental consultations and treatments along with OPD consultations and diagnostic tests for vision care.
OPD Diagnostics – It pays for the OPD expenses incurred on diagnostic tests prescribed by a qualified doctor.
OPD Pharmacy – It covers the medical expenses incurred on buying medicines on an OPD basis.
Unlimited E-consultations – It allows the insured to avail e-consultations from general physicians/specialists within the insurer’s network unlimited times a year.
Physical Consultations with General Physicians – It pays for a maximum of 4 OPD physical consultations with a general physician availed by each insured member during the policy year.
Physical Consultations with Specialist Doctors – It covers the cost of 4 OPD physical consultations with specialist doctors availed by each insured member in a policy year.
Women Care – It pays for the OPD expenses incurred on mammography and the screening for PCOD/PCOS and cervical cancer on a cashless basis.
Mental Health Wellbeing – It covers the cost of OPD consultations, counselling and rehabilitation for acute depression, anxiety, Post-traumatic Stress Disorder (PTSD) and Obsessive Compulsive Disorder (OCD).
Newborn External Congenital Disease/Defects – It pays for the treatment cost of medically diagnosed external congenital disease/defects of the newborn baby.
Newborn Vaccination – It covers the cost of vaccinations of the newborn baby until the baby turns 1 year old.
Assisted Reproductive Treatment – It pays for the medical expenses incurred on assisted reproductive treatments availed by the insured women.
Durable Medical Equipment – It covers the cost of medically necessary medical devices, aids or durable medical equipments, prescribed by the doctor at the time of hospital discharge.
Cancer Care – It pays for the medical expenses incurred on the treatment of any cancer or metastasis or recurrence of cancer.
PED Wait Period Modification – It reduces the waiting period for pre-existing diseases (PED) from 3 years to 2 years or 1 year.
Travel Plus – It pays for the overseas medical expenses incurred on emergency in-patient care and OPD treatments, along with compensation for the loss of passport or international driving license, delay or loss of checked-in baggage, trip cancellation and trip interruption. Moreover, this benefit comes with optional coverage for life-threatening conditions due to pre-existing diseases.
Surrogacy Care – It covers the hospitalization expenses of the surrogate mother resulting from pregnancy and post-partum delivery complications. However, this coverage is available only under a policy tenure of three or more years.
Oocyte Care – It pays for the hospitalization expenses of the oocyte donor resulting from complications due to oocyte retrieval.
Smoking and Alcohol Rehabilitation – It enables the insured to avail online tobacco cessation and de-addiction program, including sessions with cessation & de-addiction specialists and withdrawal and cravings management, through the insurer’s network providers.
Wellness Benefit – It provides wellness benefits, including up to 30% wellness discount on achieving target step count and access to digital fitness coaching, nutritionist/wellness coach and AI fitness coaching.
Deductible – It offers a discount on the premium if the policyholder agrees to pay an aggregate deductible on all claims in a policy year.
Co-payment – It levies a fixed percentage of co-payment payable by the policyholder on every claim.
Smart Select – It provides a premium discount if the policyholder opts to avail cashless treatment only at smart select hospitals listed by the insurance company.
OPD Reward – It provides OPD vouchers of up to ₹5000 or ₹10,000 to the policyholder in case no non-accidental hospitalization claims have been raised for the last 3 consecutive years.
Initial Wait Period Modification – It removes the initial waiting period of 30 days and starts medical coverage from day 1 of the policy.
Named Ailment Wait Period Modification – It modifies the waiting period for specified/named illnesses from 2 years to 1 year or 3 years.
Pre-Post Hospitalization Expenses Modification – It modifies the maximum number of days covering pre-hospitalization and post-hospitalization expenses during the policy year.
Concierge/Geriatric Care – It provides concierge services, including emergency doctor on call, fortnightly electronic health check-ups, access to 24x7 helpdesk and access to health-related content.
Be-Fit Plus Benefit – It allows the insured to visit fitness centres at a network provider of the insurance company unlimited times in a policy year.
Spouse Care – It allows the newly married spouse of the policyholder to avail the accrued cumulative bonus of the policy. Moreover, the waiting period served under the policy is also passed on to the spouse.
Policyholder – Child Protection – It provides a 25% discount on renewal premiums to the dependent child until the age of 30 years in case of the policyholder’s death.
Room Rent Modification – It modifies the eligible hospital room category to single private AC room, twin sharing room, general ward or general ward with a maximum limit of ₹3000 per day.
Grace Period Cover – It covers the hospitalization expenses incurred during the grace period of the policy, which are otherwise not covered.
Women Support Program – It provides access to an online comprehensive program to support women-related health issues, including PCOS/PCOD, breast cancer, cervical cancer, Premenstrual Syndrome (PMS), contraception, Urinary Tract Infection (UTI), anaemia, osteoporosis and Sexually Transmitted Infection (STI).

Exclusions of Care Ultimate Care Plan

The Care Ultimate Care plan excludes the following:

Obesity and weight-control treatments
Dietary supplements and substances
Treatment for alcohol or drug addiction
Non-allopathic treatments
Treatments for injuries due to participation in adventure sports
Cosmetic surgeries
Self-inflicted injuries or attempt to suicide
Unproven treatments

Care Ultimate Care Plan Waiting Periods

Check out the waiting periods applicable to the Care Ultimate Care plan:

Category	Waiting Period
Initial Waiting Period	30 days
Specified Diseases Waiting Period	2 years
Pre-existing Diseases Waiting Period	3 years
Assisted Reproductive Treatment Waiting Period	1 year, 2 years
Outpatient Dental and Vision Care Waiting Period	6 months

FAQs

Q1. Does the Care Ultimate Care plan come with a co-payment?

Ans: No. The Care Ultimate Care plan does not come with an in-built co-payment. However, you can opt for a voluntary co-payment on payment of an additional premium.
Q2. Is there any sub-limit under the Care Ultimate Care plan?

Ans: No. The Care Ultimate Care plan does not have any sub-limits.
Q3. Are newborn babies covered under the Care Ultimate Care plan?

Ans: Yes. The Care Ultimate Care plan covers newborn babies without any waiting period as long as they are added to the policy within the first 90 days of their birth.
Q4. Can I claim the Care Ultimate Care plan during the grace period?

Ans: You cannot raise a claim under the Care Ultimate Care plan during the grace period unless you opt for the Grace Period Cover as an optional cover.
Q5. Where can I check Care Ultimate Care plan cost?

Ans: You can check the Care Ultimate Care cost by going through its premium chart. You can also use a Care health insurance premium calculator on Policybazaar.com to know the estimated cost of the Care Ultimate Care policy.

Policybazaar exclusive benefits

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