05/06/2025
Care Health Insurance's Ultimate Care plan is a comprehensive health insurance offering designed to provide extensive coverage along with rewards for maintaining a healthy lifestyle. This plan combines traditional health benefits with innovative features to enhance the policyholder's experience.
🏥 Key Features of the Ultimate Care Plan
1. MoneyBack Benefit
Policyholders are eligible to receive a refund of their first year's base premium after every five consecutive claim-free years. This unique feature rewards long-term policyholders for maintaining good health.
2. Loyalty Boost
After seven consecutive claim-free years, the policyholder's sum insured is increased by an amount equal to the first year's sum insured. This boost enhances coverage without additional premium costs.
3. Infinity Bonus
The plan offers a 100% increase in the sum insured every year, irrespective of claims made, with no cap on the cumulative bonus. This benefit continues as long as the policy is renewed continuously.
4. Wellness Discount
Policyholders can earn up to a 30% discount on renewal premiums by participating in the Healthy Days Program, which tracks daily steps and encourages a healthy lifestyle.
5. Comprehensive Coverage
The plan provides extensive coverage, including:
In-patient hospitalization
Daycare treatments
Pre- and post-hospitalization expenses
AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, Homeopathy)
Organ donor expenses
Domiciliary hospitalization
Ambulance charges
Unlimited automatic recharge of sum insured
6. No Room Rent Limit
Policyholders can avail treatment in any hospital room category without any cap on room rent, providing flexibility during hospitalization.
7. MediVouchers
Upon the first policy renewal, policyholders receive two pharmacy vouchers worth ₹250 each, which can be used for medical expenses.
8. Digital Health Services
Access to a health portal offering:
Doctor consultations via chat
Health tips and reminders
Discounts on consultations, diagnostics, and maternity services at network hospitals
9. Tax Benefits
Premiums paid for the Ultimate Care plan are eligible for tax deductions under Section 80D of the Income Tax Act.
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💰 Premium Discounts
Welcome Discount: Up to 30% discount on premiums for new policyholders.
Early Renewal Discount: 5% discount if the policy is renewed 31–60 days before expiry; 2.5% discount if renewed 30 days before expiry.
How Ultimate Care will be Beneficial for You?
Financial Security: Ultimate Care provides comprehensive financial protection against unforeseen medical emergencies.
Peace of Mind: With extensive coverage and a range of benefits, Ultimate Care offers policyholders peace of mind knowing they are well-protected.
Healthy Lifestyle Incentives: The MoneyBack feature and Wellness Discount encourage policyholders to prioritize their health and well-being.
👨👩👧👦 Family Coverage
The Ultimate Care plan offers both individual and family floater options, providing coverage for policyholders and their families. Newborns can be added to the policy within 90 days of birth, with the same waiting period as the existing policy.
📍 Availability in India
As a resident of India, you have access to Care Health Insurance's extensive network of hospitals across India, including the city. This ensures that you receive cashless treatment at numerous network hospitals in India.
✅ Eligibility
Age: Coverage is available for individuals aged 5 years to 100 years.
Policy Tenure: Options range from 1 year to 5 years.
Pre-Existing Diseases: Coverage for pre-existing conditions like hypertension, diabetes, asthma, and others starts from day 31 of the policy with the Instant Cover benefit.
Visit https://www.careinsurance.com/hp/SANJAYJAGDISHSINGH to learn more about this plan.
