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Ultimate Care EMI

Reasons to Choose Care Health Insurance?

  • 21700+ CASHLESS HEALTHCARE PROVIDERS^^
  • 58 Lakh+ INSURANCE CLAIMS SETTLED^^
  • 24*7 CLAIM AND CUSTOMER SUPPORT

Get affordable health coverage with Senior Health Advantage Plan

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5% Digital Discount for Online Customers Exclusively**

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What is Ultimate Care?

In an effort to offer superior health and financial security, we introduce Care Supreme– a complete health plan with extensive and unique benefits at the best value. Care Supreme is a newly launched health insurance cover for individuals and families. The primary aim of Care Supreme is to help families expand the healthcare safety net without paying hefty premium amounts. With expansive coverage, the policy takes care of major healthcare expenses, like hospitalisation, AYUSH treatment, day-care procedures, domiciliary care, and organ donor coverage up to the sum insured.

As a top-notch health plan, Care Supreme comes with noteworthy optional benefits, including the ‘Cumulative Bonus Super’ that increases the sum insured by 5 times in just 5 consecutive claim-free years. Also, the policy offers a useful add-on benefit enabling insured members to avail of 30% discounts on renewal premium as a reward for achieving pre-specified fitness goals. That makes Care Supreme a special plan that sits at the centre of– savings, healthcare security, and fitness – the three significant insurance concerns. Read more about the coverage and features of Care Supreme while checking the policy and eligibility details.

Cover Highlights

Cumulative Bonus

Cumulative Bonus

Infinity Bonus

Infinity Bonus

Premium Payback

Premium Payback

Loyalty Boost

Loyalty Boost

Medi Voucher

Medi Voucher

Tenure Multiplier

Tenure Multiplier

Advanced Technology Treatment

Advanced
Technology Treatment

Domiciliary hospitalisation

Domiciliary hospitalisation

Day Care Treatments

Day Care Treatments

Organ Donor Cover

Organ Donor Cover

Coverage Under Ultimate Care

See all Sum Insured Options east

KEY FEATURES
5L/7L/ 10L/15L/ 20L/ 25L/50L/1 Cr
Cumulative Bonus
info A 50% increase of SI is offered on every renewal, irrespective of claims made, max. Up to 100%
50% of SI per year, max up to 100%
Loyalty Boost
info For the first 7 claim-free years, the base SI of the first year is added. The waiting period is waived from this additional sum insured.
2X Sum Insured on 7 claim-free policy years
Tenure Multiplier
info You can make one big claim up to the limit of your remaining SI in a multi-year policy.
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New Born – Wait Period Benefit
info Add your newborn to your policy within 90 days of birth, and they'll be covered with the same waiting period as your existing plan.
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In-Patient Care
info The treatment expenses of the insured are covered if he/she stays hospitalised for more than 24 hours.
Up to SI
Day Care Treatment
info The treatment expenses of the insured are covered if he/she stays hospitalised for less than 24 hours.
All Day Care Procedures
Advance Technology Methods
info Advanced surgeries, Radical Diagnosis, EMR, and more advanced technological treatments are covered.
Up to SI
Pre-Hospitalisation Medical Expenses
info Doctor consultations, medication, diagnostic tests, and other pre-hospitalisation expenses that occur before 60 days of hospitalisation are covered.
Up to SI
Post Hospitalisation Medical Expenses
info Doctor consultation, medication, diagnostic tests, and other hospitalisation expenses are covered after 90 days of hospitalisation.
Up to SI
AYUSH Treatment
info Ayurvedic, Yoga, Unani, Siddha, and Homeopathy are covered if the insurer is hospitalised in an AYUSH-certified hospital.
Up to SI
Domiciliary Hospitalisation
info Treatment expenses are covered if the insurer is hospitalised or treated at home on a doctor’s recommendation in case of an immovable condition.
Up to SI
Organ Donor Cover
info The surgical expense of the donor may be covered if the organ donation meets Govt of India guidelines.
Up to SI
Ambulance Cover
info Ambulance expenses are covered when the insured has to be shifted from one hospital to another, the mode of transport can be road/ air/ train/boat.
Up to SI
Unlimited Automatic Recharge
info In case of multiple hospitalisations in the same year, we won’t let your SI amount exhaust. We will recharge your SI amount automatically for unlimited times.
Available for unlimited times for unrelated or from subsequent claims.
Health Services
info Connect with your doctor on chat and receive health tips and diet reminders. Our network hospital offers discounts on services like consultations, diagnostics, maternity, etc.

Health Portal-Doctor on chat, healthy tips reminder, etc.


Discount Connect – Discounts on consultation diagnostics, maternity, etc., are available on our network.

Medi Voucher
info On the 1st policy renewal, you will get 2 pharmacy vouchers of Rs 250 per policy.
2 pharmacy vouchers of Rs. 250
ICU Charges
info No limit on per-day ICU charges during hospitalisation.
Up to SI
Room Eligibility
info No maximum limit on room rent.
Up to SI
Early Renewal Discount
info If you renew your policy between 31 and 60 days before the renewal date, you get a 5% discount on the renewal premium. If you renew your plan 30 days before the renewal date, you get a 2.5% discount on renewal.
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Grace Period
info Coverage benefits are offered during the grace period, i.e. 15 days after the policy expiry date.
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*Please read the policy terms and conditions carefully to verify the benefits and exclusions in detail.
Brochure

Download the Brochure for Ultimate Care Emi Complete Plan Details

Download Ultimate Care Emi complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to Cover Your Specific Needs

Infinity Bonus

Infinity Bonus

Get a 100% boost in coverage upon consecutive renewal.
See Details
Annual Health Check-up

Annual Health Check-up

Get a free annual health check-up for every insured member.
See Details
Instant Cover

Instant Cover

Waive off the long waiting periods for pre-existing conditions like Diabetes/ Hypertension/ Hyperlipidemia / Asthma / Obesity / Coronary Artery Disease (PTCA prior 1 year).
See Details
Claim Shield

Claim Shield

This add-on benefit provides coverage for 68 non-payable items.
See Details
PED Wait Period Modification

PED Wait Period Modification

By opting for this add-on, you can reduce your PED waiting period.
See Details
Physical Consultations with General Physicians

OPD Benefits

Physical Consultations with General Physicians
See Details
Unlimited E-consultation

Unlimited E-consultation

Get unlimited e-consultations with general physicians.
See Details

Ultimate Care Policy Details

  • Entry Age - Minimum

    • Adult: 18 years

    • Child: 91 Days in Floater policy; 5 years in Individual policy

  • Entry Age - Maximum

    • Adult: lifelong

    • Child: 24 Years

  • Exit Age

    • Adult: Lifelong

    • Child: 25 Years in Floater policy; no limit in Individual policy

  • Cover Type :

    • Individual : Max up to 6 persons

    • Floater : Max up to 2A2C

  • Tenure Options : 1/2/3/4/5 Years

  • Relationship Allowed : Self, Spouse, SonLive-in partner, Employer/Employee Daughter, Father, Mother, Mother-in-law, Father-in-law, Grandfather, Grandmother

  • Waiting Period

    • Initial Waiting Period: 30 days except for accidental expenses

    • Named Ailment Waiting Period: 24 months of continued coverage

    • Pre-existing Diseases Waiting Period: 36 months of continued coverage

Download Terms & Conditions
  • OPD treatments are not covered if the Care OPD add-on is not opted in the policy.

  • Expenses related to self-inflicted injuries, attempted suicide, etc

  • Expenses related to consumption of alcohol/tobacco or drug use/misuse/abuse

  • Cost of spectacles/contact lenses and dental treatment that does not require hospitalisation

  • Costs related to cosmetic surgeries

  • Situations related to pregnancy and childbirth, miscarriage, abortion, and its consequences

  • Any external congenital disease

  • Infertility-related tests, tests and infertility treatment, and in vitro fertilisation.

STEP 1

Emergency

Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

STEP 2

Cashless

Request for pre-authorization

Reimbursement

Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.

Approval

Approval letter sent by the claim management team

Query

Hospital/Insured to response to the query raised by the claim management team

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

Approval

Approval letter sent by the claim management team

Query

Insured to response to the query raised by the claim management team

Rejected

We will communicate the reason in case of rejection

21700+ Healthcare providers offering cashless treatment across the country

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Voice of Our Customer

Reviews and ratings are coming soon. Please visit again or read all product reviews here.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded As Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

58 Lakh+ Claims Settled**

Cashless Claim

21700+
CASHLESS HEALTHCARE PROVIDERS^^

**Number of claims settled as of Dec 2024     *India Insurance Summit & Awards 2023

Brochure

Download the Brochure for Ultimate Care Emi Complete Plan Details

Download Ultimate Care Emi complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

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