Ultimate Care Plan
Comprehensive Health Insurance Cover for You & Your Family
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Plan Name
Ultimate Care Plan — a flagship individual & family floater health insurance plan by Care Health Insurance Ltd.
Eligibility
- Entry Age: 18 – 65 years (Individual / Proposer)
- Dependents: Spouse, dependent children (15 days – 25 years)
- Parents / In-laws can be covered as additional members
- No medical test for standard entry up to prescribed age & SI limit
Sum Insured Options
- Flexible Sum Insured: ₹3 Lakh – ₹10 Lakh (standard options)
- Optional top-up / super top-up to extend cover further
- 100% Sum Insured restored instantly on exhaustion (Unlimited Recharge)
Premium Pay Back
Stay claim-free and earn benefits on renewal:
- No Claim Bonus adds to your Sum Insured year after year
- Optional Payback rider returns a part of premium on claim-free completion
- Loyalty rewards keep increasing with continuous renewals
Infinity Bonus
Infinity Benefit adds up to 100% extra Sum Insured on top of your base cover — giving you up to 200% total protection in a policy year. It recharges on claim-free renewals.
Loyalty Boost
- Earn 5% of Sum Insured as Loyalty / No Claim Bonus for every claim-free year
- Bonus accumulates up to 100% of Sum Insured
- Bonus is added to your cover, not deducted from the base SI
Tenure Multiplier
Rewards long-term policyholders:
- Benefit multipliers increase with each completed policy year
- Continuous cover helps you retain accumulated bonus and benefits
- Designed for lifelong renewability, keeping pace with rising medical costs
Early Renewal Discount
- Renew before the due date to avail Early Renewal Discount on premium
- Discount applies when premium is paid well in advance of the due date
- No-lapse grace helps keep continuous benefits intact
Grace Period Coverage
Grace Period: you get a grace window to renew even after the due date — your coverage stays protected when you renew within this period.
New Born Coverage
- New born child covered automatically after 15 days from birth
- Congenital conditions covered from day one (subject to waiting period)
- Easy add-on to the family floater policy
Medi Voucher
- Get Medi Vouchers to spend on health & wellness services
- Redeemable against doctor consultations, health checkups and medicines
- Keeps you healthy even when you don't claim
OPD Benefits
- Outpatient cover for doctor consultations & diagnostic tests
- Daycare procedures (no 24-hour hospitalisation needed)
- Alternative & home treatment options as per plan T&C
Unlimited Recharge
Restore Benefit: if your Sum Insured is exhausted on one claim, the full Sum Insured is restored automatically for subsequent claims — unlimited times in a year.
ICU & Room Benefits
- No sub-limit on ICU charges — ICU, ventilator & room rent fully covered
- Room rent without daily cap for standard rooms
- Nursing, boarding & related in-hospital expenses covered
No Sub Limits
Transparent coverage — no disease-wise or procedure-wise sub-limits on the base cover. You get the full Sum Insured for any covered treatment.
Annual Health Checkup
- 1 free preventive health checkup every policy year
- Covers blood tests, cardiac & full-body screening panels
- Available at network diagnostic centres
Wellness Benefits
- Wellness programs, fitness & nutrition guidance
- Premium discounts on meeting wellness goals
- Access to health apps & lifestyle reward points
Online Consultation
- Unlimited online doctor consultations round the clock
- Free telemedicine via the Care health app
- Specialist second opinions available digitally
PED Waiting Period
Pre-Existing Diseases: covered after a waiting period of 48 months from the first policy date (standard PED waiting period).
Waiting Period Details
| Initial Waiting Period | 30 days |
| Specific Diseases (e.g. Cataract, Hernia, Piles) | 24 months |
| Pre-Existing Diseases (PED) | 48 months |
| New Born Cover Start | 15 days from birth |
| Accident Cover | From Day 1 |
Exclusions
- Pre-existing diseases during the PED waiting period
- Cosmetic, plastic & aesthetic procedures
- IVF, fertility & surrogacy treatments
- Dental treatment (unless accidental)
- Maternity & childbirth expenses (unless rider opted)
- Self-inflicted injuries, war, nuclear risks & illegal activities
Bonus Table (Loyalty / Infinity Benefit)
Bonus accrues for every claim-free year and is added on top of your Sum Insured — up to 100% extra cover.
| Claim-Free Years | Loyalty / Infinity Bonus | Total Cover (% of Sum Insured) |
|---|---|---|
| Year 1 | 5% | 105% |
| Year 2 | 10% | 110% |
| Year 3 | 15% | 115% |
| Year 4 | 20% | 120% |
| Year 5 | 25% | 125% |
| Year 6 | 30% | 130% |
| Year 7 | 35% | 135% |
| Year 8 | 40% | 140% |
| Year 9 | 45% | 145% |
| Year 10+ | Up to 100% | Up to 200% |
Reference figures based on standard Care Health Insurance benefit structure. Final values depend on the exact plan version & policy documents.
