Ultimate Care Health Insurance by Care Health is a comprehensive high-sum-insured policy, offering coverage from ₹5 lakh to ₹1 crore. Launched in January 2025, it offers industry-first features, such as money-back on premiums and unlimited increase in sum insured via the Infinity Bonus. Designed for broad coverage, it includes no room rent limits, no copayment, and optional instant coverage for pre-existing diseases (PEDs).
The plan is backed by Care Health’s 93.13% claim settlement ratio (average FY 2022-25) and its network of 11,400+ hospitals across India. A 30-year-old in Delhi pays roughly ₹14,190 per year for a ₹15 lakh cover.
This guide is for anyone comparing comprehensive health plans and deciding whether Care Ultimate is worth the premium.
You spend years paying health insurance premiums and never make a claim. What happens to all that money? With most plans, it's simply gone, because insurance is an expense for peace of mind. Care Ultimate Health Insurance changes that. It gives your first year's premium back if you go five consecutive years without a claim.
But that's just one of its standout features. In this Ultimate Care Health Insurance review, we break down major features of the plan and tell you what's good, what's optional (and costs extra), and whether this plan is right for your needs.
Not sure if Care Ultimate is right for you? Book a free call or WhatsApp us and we’ll help you make the right choice!
Key Details of Care Ultimate Plan
Parameter
Details
Entry Age
Adult: 18 years- no limit, child: 91 days-24 years
Individual: up to 6 members.Family floater: up to 2 adults + 2 children
Policy Period
1 / 2 / 3 / 4 / 5 years
Waiting Periods
30 days initial (except accidents, which are covered from day 1), 2 years for specific illnesses, and 3 years for pre-existing diseases
Copayment, Room-Rent Limits, and Disease-Wise Sub-Limits
Not applicable
Daycare, Domiciliary, and AYUSH Coverage
Covered up to SI
Pre- and Post-Hospitalization Coverage
60 and 90 days, respectively
Key Features and Coverage of Care Ultimate
Loyalty Bonus
The plan includes a built-in loyalty bonus of 50% up to 100% of the SI. So a ₹10 lakh policy becomes ₹15 lakh in year 2, ₹20 lakh in year 3, regardless of whether you made a claim.
Unlimited Restoration Benefit
If your sum insured is exhausted partially or completely during a hospitalization, it's automatically restored to 100%. This can be done multiple times within the same policy year for both related and unrelated illnesses.
Loyalty Boost
After seven consecutive claim-free years, Care adds an extra sum insured equal to your first year's base SI. So if you started with ₹25 lakh, you get an additional ₹25 lakh on top of whatever you've accumulated. This benefit is available once in the policy's lifetime.
Waiting Period Benefit for Newborn
Under this built-in benefit, if a newborn is added to the policy within 90 days of birth, the waiting period already served by the primary insured members will also apply to the child. However, if the newborn is added after 91 days, all waiting periods will be freshly applicable.
Mandatory Add-ons
Premium Payback: If you don't make a single claim for five consecutive years, Care refunds your base premium paid for the first year. Stay claim-free for another five years, and they do it again. It's essentially a reward for staying healthy.
Tenure Multiplier: If you have a multi-year policy with Ultimate Care, the insurer will combine the base cover amounts for each year and cover any claim up to the combined amount. So, if you pay for 3 years at a time for a ₹20 lakh per annum policy, you can claim up to ₹60 lakh in total across the three years.
Grace Period Coverage: Sometimes, you may miss a payment for your health insurance policy. This is why insurers have a grace period, usually 30 days for annual payments and 15 days for monthly payments, during which your policy can be renewed, but you will not be eligible to make any claim. With this add-on in Ultimate Care, the insurer will also cover you for any claims during this period.
Wellness Benefit: Care offers a wellness program called Healthy Days that tracks your workouts and exercises. If you hit a certain goal in a year, you will be eligible for up to a 30% discount on the premiums for the following year.
Paid Add-ons
01
Claim Shield
This add-on covers consumables such as syringes, gloves, masks, PPE kits, and other medical supplies that are usually excluded from standard policies. This add-on helps reduce out-of-pocket expenses during hospitalization by covering almost 140+ items.
02
Annual Health Check-up
You can avail yourself of free health screenings for the listed tests at network facilities starting on the 31st day of the policy, helping you stay proactive about your health and detect potential issues early.
03
Instant Cover
Ultimate Care offers coverage for pre-existing diseases such as diabetes, hypertension, hyperlipidemia (high cholesterol), asthma, hypothyroidism, and coronary artery disease (Coronary Angioplasty done prior to 1 year) after a waiting period of just 30 days.
04
Outpatient Department (OPD) Coverage
Care OPD add-on offers 4 consultations from general physicians and 4 consultations from 14 listed specialists, with a maximum cap of ₹500 per consultation. This add-on is beneficial for someone seeking coverage for regular consultations. That said, the per-consultation cap is quite low. So, compare the add-on cost with what you are likely to recover before opting in.
05
Infinity Bonus
Every year you renew the policy, your sum insured automatically increases by 100% of the base SI. There's no cap on how high this can go. So a ₹10 lakh policy becomes ₹20 lakh in year 2, ₹30 lakh in year 3, and so on, regardless of whether you made a claim.
CSR: Care Health’s CSR exceeds the industry average, indicating long-term reliability.
ICR: The ICR falls within the healthy 50-80% range and indicates the insurer is settling claims without overextending financially. This keeps premium hikes stable over time.
Annual Business: The consistent growth in Care’s business volume is a healthy sign for long-term stability.
Complaint Volume: The high volume of complaints highlights dissatisfaction with the claims process and more customer grievances.
Network Hospitals: With a wider hospital network, cashless access is robust, covering both metro cities and smaller towns.
CTA
Sample Premiums for Care Ultimate Plan
Profiles
Care Ultimate
Individual Plan (Age 25)
₹13,293
Family Floater, 2A, Ages (31, 32)
₹15,617
Family Floater, 2A 1C, Ages (36, 35, 5)
₹20,981
Senior Citizen, 2A, Ages (62, 63)
₹52,307
Note: A stands for adult, C stands for child. The premiums are calculated for a ₹15 lakh SI for healthy individuals residing in Delhi (pincode: 110010). These numbers may vary based on age, medical history, location, and selected add-ons.
Key Insight
Based on Care’s official Ultimate Care rate chart, the age-linked renewal premium increase is modest in the 20s and early 30s, usually around 1.5% to 2.5% annually. It rises to around 3% to 5% in the 40s and early 50s, and can jump sharply to around 7% to 9% annually in the late 50s and early 60s.
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Care Ultimate is a feature-rich plan, but most of its standout benefits depend heavily on add-ons. It may work for buyers who want high customization and are comfortable paying extra premiums. Choosing the base plan without add-ons misses much of what makes Ultimate Care special.
That said, Care Ultimate is not our top pick right now. It's a newer plan, and we'd like to see how claims play out over time before we can fully vouch for it. Our recommendation from Care Health insurance is Care Supreme, as we have firsthand experience with how the insurer processes claims under that plan.
The Infinity Bonus is an attractive feature of the Care Ultimate plan. Each time you renew your policy, your cover grows by 100% of your base sum insured, with no upper cap on how much it can grow. A ₹10 lakh plan becomes ₹20 lakh in year two, ₹30 lakh in year three, and continues to grow. This increase happens regardless of whether you made a claim. However, the Infinity Bonus is a paid add-on and not included in the base care ultimate health insurance plan by default.
Which add-ons are worth buying with the Care Ultimate plan?
The right add-ons in Care Ultimate health insurance depend on your health profile and long-term goals. The Instant Cover add-on is most critical if you have one of the listed pre-existing diseases, as it cuts the PED waiting period to just 30 days. Infinity Bonus works best for younger buyers who want their cover to compound significantly over time. The Claim Shield add-on covers consumables like gloves, syringes, and PPE kits, reducing out-of-pocket costs during hospitalization. At Ditto, we recommend carefully reviewing your age, medical history, and coverage goals before deciding which Care Ultimate add-ons to include in your plan.
What is the difference between Care Supreme and Care Ultimate?
Care Supreme and Care Ultimate are comprehensive plans from Care Health Insurance, but they serve different needs. Care Supreme offers 180 days of post-hospitalization coverage and allows porting, making it the stronger pick for broad, flexible protection. Care Ultimate, on the other hand, is a money-back-style plan, with only 90 days of post-hospitalization coverage, and mostly fresh sourcing allowed. At Ditto, we recommend Care Supreme to most buyers because of its broader coverage and proven claims experience. Care Ultimate suits those specifically looking for high, consistent coverage with more optional add-on benefits.
Does Care Ultimate Health Insurance have any room rent restrictions?
No, the Care Health Insurance Ultimate Care plan has zero room rent limits. This is an advantage because some health plans cap daily room rent, and if you pick a more expensive room, insurers apply proportionate deductions to your total hospital bill. Care Ultimate removes this entirely, allowing you to choose any room at a network hospital without risk of proportionate deductions. The plan also has no copayment, so Care covers the admissible claim amount as per policy terms.
Does Care Ultimate Health Insurance give money back on premiums?
Yes, the Care Ultimate plan includes a Premium Payback add-on, where Care Health Insurance refunds your base premium from the first policy year if you go five consecutive years without making a claim. Stay claim-free for another five years, and the refund happens again. This benefit comes as a mandatory add-on. At Ditto, we see this as a meaningful benefit for younger and healthier policyholders who are unlikely to make frequent claims over the long term.
What discounts are available in the Care Ultimate health insurance plan?
Care Ultimate offers a welcome discount that gives you 30% off your first year's premium, 20% off your second year, and 10% off your third year, making early adoption genuinely rewarding. The early renewal discount gives you 5% off if you renew your policy more than 30 days before it expires, and 2.5% if you renew within 30 days of expiry. Additionally, the wellness program makes you eligible for up to 30% off on renewal premiums if you meet your annual fitness targets. It is always advisable to confirm with your agent or insurer which discounts you are eligible for.
What are the pre and post-hospitalization benefits in the Care Ultimate plan?
The Care Health Ultimate Care plan covers pre-hospitalization expenses for up to 60 days. It also provides an extensive 90-day window for post-hospitalization costs, such as follow-up consultations and pharmacy bills. For example, if you spend ₹50,000 on tests and medications after discharge, the entire amount can be reimbursed. This ensures that the costs of recovery do not become a financial burden.
Does Care Health Insurance have a good claim settlement ratio?
The Care Health Insurance Claim Settlement Ratio (CSR) stands at 96.74% for FY 2024-25, with a 3-year average of 93.13% (FY 2022-25). This indicates that Care Health Insurance settles a high percentage of claims, making it a fairly reliable option among insurers in India. However, a slightly higher complaint volume of 42 per 10,000 claims, averaged over the last 3 years, and a lower Incurred Claim Ratio (ICR) of 58.68% (FY 2022-25) should be monitored.
Care Health Customer Reviews
4.6
86 reviews
I bought a Care Health plan for my parents because their 11,000+ hospital network covers smaller cities well where other insurers have limited options. The coverage has been very useful and the policy terms are clear.
SR
Sudhir Reddy
My cashless claim under the Care Supreme plan was processed smoothly. Pre-authorisation came through quickly and the discharge was handled without any stress. Very happy with how the claim process went.
MK
Manju Krishnamurthy
Care Health's premium for the coverage it offers is very competitive compared to other standalone health insurers. The plan customisation through add-ons is a genuine advantage. Good value for money overall.
RP
Rakesh Pandey
My Ditto advisor recommended Care Health after explaining that the Supreme plan's features was very strong for the premium I'd be paying. They also helped me understand which add-ons were genuinely worth taking. Great clarity!
SI
Sunita Iyer
Care Health's complaint volumes are noticeably higher than other health insurers of a similar size. I had to follow up multiple times to get my reimbursement processed and the response times from their customer care were quite inconsistent.
PA
Preeti Ahluwalia
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