Care
Care Ultimate
Ultimate Care from the stable of Care Health Insurance is a comprehensive plan. This new policy has a host of premium features that include the Infinity Bonus (100% loyalty bonus with no max capping), Loyalty Boost (Double SI after 7 continuous claim-free years), Premium Payback, Grace Period Cover, Tenue Multiplier, PED reduction and Instant cover add-on. Additionally, you can tap into a hefty discount on the premiums for the first 3 years, and the policy offers multi-pay options for up to 5 years. The best part of the Ultimate care policy has no major caveats. So, this might be an excellent pick!
What's good here?
Waiting Period benefit for Newborn
In this plan, if the newborn baby is added within 90 days of birth to the plan, then the waiting period already served by the existing Primary insured person under the policy shall be considered as served for the newborn child as well.
In this plan, if the newborn baby is added within 90 days of birth to the plan, then the waiting period already served by the existing Primary insured person under the policy shall be considered as served for the newborn child as well.
You’ll never have to split the bill
The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny. Meaning this policy has no co-payment.
You always have full cover irrespective of the disease
No funny business here. If your insurer hasn’t explicitly stated they won’t cover a certain illness, you can claim the full amount up to the sum insured, irrespective of the disease you’re dealing with. Meaning this policy doesn't impose the dreaded disease wise sub-limits.
Unlimited Restoration Benefit
Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!
Special Bonus for being healthy
Your sum insured increases by 50% each year, even if you've claimed in the previous year. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 100%. But hey, it's still a bonus.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
You can pick any room you like
Shared room, single room, deluxe room or any room that’s available. The insurer won’t nitpick on your choice of room since the policy has no restrictions on room rent.
Pre & Post hospitalization expenses covered
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Full coverage even if you are forced to hospitalize at home
The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's okay here?
Reasonable waiting period for pre-existing diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
What's lacking here?
Your insurer doesn’t provide free health check-ups
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
If you want to get a full-body checkup just to make sure you’re in fine working condition, be ready to pay for it yourself or get an add-on to cover free health check-ups under the policy by paying a little extra in the premiums.
Add-ons
Reduction in PED
This optional cover reduces the applicable pre-existing waiting period from 36 months to either 24 months or 12 months. If you are currently diagnosed with any condition and want to reduce the waiting period, it makes sense to opt for this add-on.
Claim Shield
This add-on covers the cost of non-payable items that are used during the course of treatment for an illness or injury, such as dressings, bandages, syringes, and other medical supplies. And considering that these costs alone can add up to 5-15% on your total bill on occasions, we recommend you to buy the add-on.
Infinity Bonus
Every time you renew your policy, the insurance provider will grant you additional bonus cover totalling 100% of your sum insured. And they will continue doing this with no maximum capping. Considering the cost involved, this is a good add-on to have.
Wellness Benefit
You get a small discount on your premiums every time you renew the policy if you clock certain number of steps over a set number of days. The insurance company will offer this benefit to everyone who buys the policy.
Premium Payback
With this add-on, you get the premiums refunded if no Claims are made for the preceding 5 consecutive Policy Years, the 1st Policy Year premiums will be refunded in every block of 5 years excluding the GST and Add-on premiums. This is a mandatory add-on to have in the policy.
Tenure Multiplier
This add-on helps you combine Multi-Tenure Sum Insured to be used anytime. This is a mandatory add-on if you pay for multiple years in a single go.
Instant Cover
This add-on will cut waiting periods to a mere 30 days for the following pre-existing conditions: Diabetes, Hypertension, Hyperlipidemia, Asthma, Obesity, Hypothyrodoism and Coronary Artery Disease (PTCA prior 1 year),. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.
Annual Health Check-up
Insured members get a free annual health check-up at network centres so long as they get medical tests prescribed in the policy. And since the cost can vary significantly for different profiles.
Cover for OPD Consultations
With this add-on, each insured member can avail up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually on a reimbursement basis, with a maximum reimbursement of ₹500 per visit. This can be claimed once every quarter.
E-consultation
With this add-on, each insured member can get unlimited e-consultations from General Physicians. This is a mandatory add-on to have in the policy.
Grace period coverage
With this add-on, the policy will remain active during the grace period ensuring continuous protection during this period. This is a mandatory add-on to have in the policy.
Frequently Asked Questions
Talk to IRDAI-certified experts
Health is tricky, and insurance trickier. But we’ll simplify it for you - for FREE! Book a call now. Limited slots available.