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Tamil Nadu offers a robust healthcare ecosystem, combining advanced medical facilities with trusted traditional practices such as Siddha. However, rising treatment and hospitalisation costs can put significant pressure on a family’s savings when accessing quality healthcare.
To address this challenge and help Tamil families remain financially prepared, Care Health Insurance introduces En Ultimate Care—a dedicated health insurance plan that offers comprehensive coverage, wellness benefits, and protection against rising medical expenses. This plan helps secure your family’s health today and in the future.
En Ultimate Care: Your Trusted Health Shield for Every Tamil Family
Care Health Insurance’s En Ultimate Care is a health plan dedicated to preparing every Tamil household for medical inflation. This health insurance policy grows upon consecutive renewals regardless of the claims made during the policy year! Besides, this health insurance plan for people in Tamil Nadu has been curated to comprehensively cover expenses that arise from a medical emergency, including coverage such as Siddha, Ayurveda, and AYUSH. The plan also offers financial benefits such as Automatic Recharge, Wellness discounts, digital healthcare, Unlimited Bonus and Loyalty Boost.
Keep reading further to deep dive into the benefits of the health insurance plan!
Key Benefits of En Ultimate Care You Cannot Miss!
- En Ultimate Care has two variants: Plan Essential and Plan Value. The plans offer holistic protection, flexible benefits, and extended coverage tailored to requirements.
- Vast Sum Insured Options: With Plan Essential, you can choose a sum insured from ₹7 lakh to ₹50 lakh, while Plan Value offers higher protection with options up to ₹1 crore and even Unlimited Sum Insured. This flexibility allows you to choose coverage that fits your family's healthcare needs and budget.
- Unlimited Automatic Recharge: Tamil families can stay financially protected even if the sum insured is exhausted. En Ultimate Care automatically restores your coverage an unlimited number of times during the policy year, helping manage multiple hospitalisations or claims for the same illness without coverage concerns.
- Cumulative Bonus: Available in the En Ultimate Care- Value plan, where 50% of the Base SI per year is provided irrespective of claims, up to a maximum of 100%. It shall not be reduced if a claim is made.
- Unlimited Bonus: Get a 150% increase in your Base Sum Insured during the first and second policy years under the Coverage – Essential plan, followed by a 100% increase every year from the third policy year onwards upon consecutive renewals. The bonus shall not be reduced in case of a claim.
- Medi Vouchers (on renewal): At your first policy renewal, you get rewarded with two pharmacy vouchers worth ₹250 for each insured member. You may use these vouchers to save on medicines and pharmacy.
- AYUSH Treatment: Access eligible AYUSH treatments, including Siddha, Ayurveda, Yoga, Unani, and Homoeopathy, allowing you to benefit from both traditional and modern healthcare options.
- Ambulance Cover: Get coverage for ambulance services across multiple transport modes, including road, air, rail, and water, so that you can access medical care.
- Loyalty Boost: Upon 7 claim-free years, the base coverage of the first year gets added to your coverage. The waiting period of this additional sum insured shall be waived.
Other Benefits for Complete Protection
This health insurance policy offers comprehensive protection tailored to the healthcare needs of Tamil individuals and families, ensuring access to quality treatment while reducing financial stress. Key benefits include:
- In-Patient Care: Get coverage for eligible hospitalisation expenses, helping you manage planned and emergency medical treatments with financial ease.
- Day Care and Advanced Treatments: Receive holistic coverage for eligible day care procedures, such as cataract surgery, chemotherapy, dialysis, and stone removal, as well as specified advanced technological treatments.
- Cashless Treatment: Access quality healthcare at numerous cashless hospitals throughout Tamil Nadu without the need for upfront payments.
- Pre- and Post-Hospitalisation Expenses: Stay covered for eligible medical expenses incurred up to 60 days before hospitalisation and 90 days after discharge so that you can focus on recovery instead of medical bills.
- Domiciliary Hospitalisation: Get financial protection for eligible domiciliary treatment expenses when hospitalisation is medically necessary but cannot be arranged due to your condition or the unavailability of a hospital bed.
- Advanced Technology Treatment: Secure financial protection for expenses related to specified advanced technological treatments during hospital stays, allowing you to focus on getting the care you need.
- Organ Donor Cover: Access coverage for eligible organ donor surgical expenses when the transplant complies with Government of India guidelines, minimising the financial burden of the procedure.
Note: Whether you choose Plan Value or Plan Essential under En Ultimate Care, each option offers a distinct set of benefits designed to provide comprehensive health protection. Please refer to your selected coverage for details of applicable benefits.
Add-ons that Enhance Your En Ultimate Care Coverage
Your health insurance for Tamil Nadu can have a boost through optional features from En Ultimate Care. These add-ons allow you to customise your policy to align with your healthcare needs, lifestyle, and financial goals, ensuring you get comprehensive coverage when it matters most.
- Infinity Bonus: Enjoy a 100% increase in your Base Sum Insured each policy year, regardless of claims, with unlimited renewals. Your accumulated bonus remains intact even if you make a claim.
- Annual Health Check-up: Stay proactive about your health with one complimentary health check-up per insured member at network hospitals each policy year, in accordance with policy terms.
- PED Wait Period Modification: Reduce the waiting period for pre-existing diseases (PEDs) to 1 or 2 years, helping you access cover sooner.
- Instant Cover: Get faster coverage for certain pre-existing conditions. The 30-day waiting period starts at policy inception. The PED waiting period is waived for up to three selected conditions from a specified list, including Diabetes, Hypertension, Asthma, COPD, Obesity, Hyperlipidemia, and Coronary Artery Disease with PTCA, as per policy terms.
- Premium Payback: Get rewarded for staying healthy with a refund of your first policy year's premium after every five consecutive claim-free years without any hospitalisation-related claims.
- Unlimited Care: Enjoy unlimited claim coverage once during the policy term after your Base Sum Insured, Bonus, Additional Sum Insured (if applicable), and Recharge Benefit (if applicable) have been exhausted.
- Grace Period Cover: Stay protected with continued policy coverage during the grace period, helping you avoid an immediate loss of benefits.
- Tenure Multiplier: Maximise your coverage by combining the annual Sum Insured over your selected multi-year policy tenure, available as a single claim during the policy period.
- Claim Shield: Minimise out-of-pocket costs by covering eligible non-payable items listed in Annexure I (Lists I, II, III, and IV), as detailed in the policy.
- Room Rent Modification: Choose a more economical single private AC room to enjoy a lower premium while maintaining high-quality hospital care.
- Durable Medical Equipment: Get reimbursement of up to ₹50,000 for eligible, medically necessary equipment prescribed at discharge, including wheelchairs, hearing aids, crutches, orthopaedic supports, orthotics, compression stockings, and stoma supplies, subject to policy terms.
- Physical Consultations with General Physicians: Receive up to 4 in-person consultations with General Physicians per insured person per policy year, with reimbursement of up to ₹500 per consultation, subject to policy terms.
- Physical Consultations with Specialist Doctors: Benefit from up to 4 in-person consultations each year with eligible specialist doctors specified in the policy terms and conditions.
- Premium Freeze: Lock in your entry age for premium calculation when purchasing your first policy with the Company, so your premium is not revised solely because of age until a claim is paid.
Note: The Infinity Bonus add-on is available only with Plan Value under En Ultimate Care. Please choose your coverage option accordingly when selecting this add-on.
Top Reasons to Choose En Ultimate Care for Tamil Nadu
Choosing the appropriate health insurance involves more than just hospital expenses. It’s about protecting your family's health and financial stability. En Ultimate Care offers flexible coverage, benefits, and add-ons that cater to the changing healthcare needs of Tamil families. Here are the main reasons why choosing it is a smart decision:
- Flexible Coverage Options: Choose from multiple sum-insured options for Plan Value and Plan Essential to ensure the protection matches your family's healthcare needs and budget.
- Access to Tamil Nadu's Leading Hospitals: Enjoy cashless treatment across a wide network of hospitals throughout India, including leading healthcare centres in Tamil Nadu, ensuring prompt, high-quality medical care during emergencies.
- Value-Added Rewards & Wellness Benefits: Utilise additional benefits, including pharmacy vouchers, annual health screenings and wellness rewards to optimise your health insurance coverage.
- Customisable Add-on Covers: Personalise your policy by choosing add-ons such as Unlimited Care, Claim Shield, Premium Payback, Instant Cover, and more to tailor your coverage to your financial needs.
Things to Know Before Buying En Ultimate Care
Before purchasing En Ultimate Care, it's important to understand the policy terms, coverage, and exclusions to make an informed decision. Keeping these points in mind will help you choose the right coverage option for your healthcare needs.
- Review the Coverage Option: Compare Plan Value and Plan Essentials to choose the plan that best matches your healthcare needs and budget, as certain benefits may be plan-specific.
- Understand Waiting Periods: Be aware of the waiting periods for pre-existing diseases, specific illnesses, and other covered conditions. You can also consider available add-ons that may help reduce these waiting times.
- Check the Network Hospitals: Ensure your preferred hospitals in Tamil Nadu are part of the insurer's cashless hospital network for a smoother claims experience.
- Evaluate the Sum Insured: Choose an option that can adequately cover rising medical costs and your family's healthcare requirements.
- Know the Policy Exclusions: Like all health insurance plans, En Ultimate Care has standard exclusions, including non-medical expenses, cosmetic procedures (unless medically necessary), self-inflicted injuries, and other exclusions specified in the policy terms and conditions.
- Review Optional Add-ons: Consider add-ons such as Infinity Bonus, Unlimited Care, Claim Shield, Premium Payback, and others to enhance your protection and tailor it to your healthcare priorities.
Note: Check out the policy wording carefully to understand the complete scope of coverage, waiting periods, exclusions, and applicable terms and conditions before purchasing En Ultimate Care.
Be Prepared for the Unexpected with En Ultimate Care
As healthcare costs continue to rise, having a suitable health insurance plan is essential, not optional. En Ultimate Care aims to provide Tamil individuals and families with comprehensive health coverage through flexible plans, valuable rewards, and customisable add-ons tailored to diverse healthcare needs.
Whether you're looking to protect your family's finances, access quality healthcare across Tamil Nadu, or prepare for unexpected medical emergencies, En Ultimate Care gives you confidence for the future. So, take the next step towards better healthcare by choosing En Ultimate Care—a plan designed to protect your family's health and finances at every stage of life.
Disclaimer: Plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
