Save tax up to ₹75,000^~ u/s 80D

Ultimate Care Senior

Avail 5% Digital Discount^

Infinity Bonus
Unlimited Care
Premium Payback*
No Zone-based Copayment

Insured 15,00,00,000+ lives

Because Your Golden Years Deserve Ultimate Health Coverage!

Select the members to be insured

By continuing, you agree to our T&C

Plan Features

redeem

Infinity Bonus

all_inclusive

Unlimited Care

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Premium Payback*

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No Zone-based Copayment

money

Premium Payback

redeem

Loyalty Boost

featured_seasonal_and_gifts

Infinity Bonus

all_inclusive

Unlimited Care

stethoscope

Annual Health Check-up

featured_seasonal_and_gifts

Cumulative Bonus

medication_liquid

AYUSH Treatment

pulmonology

Organ Donor Cover

Product Benefits

Key Features	₹ 7 L, 10 L, 15 L, 25 L, 50 L & 1 C
In-Patient Care Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI
Day Care Treatment Coverage of treatment expenses that required you to stay in a hospital for less than 24 Hours. We cover all Day Care Procedures like Cataract, Chemotherapy, Dialysis, removal of Stone etc.	All Day Care Procedures
Advance Technology Methods Coverage of Expenses incurred on treatment using specified Advanced Technology methods during hospital stay.	Up to SI
Pre-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 60 days prior to hospitalization.	60 days prior to hospitalisation
Post-Hospitalisation Medical Expenses Coverage of expenses incurred on Doctor Fees, prescribed diagnostics and prescribed pharmacy 180 days post discharge from hospital	180 days post hospitalisation
AYUSH Treatment Coverage of treatment expenses that required you to stay in the hospital for more than 24 Hours . Expenses covered include Room Rent Charges, ICU Charges, Diagnostics etc.while you are admitted in a hospital.	Up to SI, if hospitalisation takes place in an AYUSH-certified clinic
Domiciliary Hospitalisation Coverage of treatment expenses that required you to start treatment at home under specified circumstances. The Treatment at home should continue for atleast 3 Days.	Up to SI
Organ Donor Cover Coverage of expenses incurred on an operation performed on donor to remove the organ.Removed Organ should be used for insured member. Pre and Post Hospitalization expenses incurred on donor not payable. The Donor should meet all the requirement as speciefied by GOI.	Up to SI
Ambulance Cover Coverage of expenses for hiring a road ambulance for transporting insured to hospital for admission or for shifting insured from one hospital to another for better treatment or for moving insured from hospital to home.	Upto Rs.10,000 per Year for SI < 15 Lacs & Upto SI for SI >= 15 Lacs
Cumulative Bonus we will reward you with upto 100% increase in SI. There will be no reduction in accrued bonus on renewal due to claim.	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge You will never run out of coverage due to multiple hospitalization in a policy year. We will recharge policy with an amount equal to SI opted unlimited times in a policy year. This additional amount can be used for multiple hospitalization for related or unrelated illness	Available
Unlimited E-Consultations Avail Unlimited e-consultation from a general Physician by booking appointmemnt through mobile application.	Available
Health Services Discount Connect - Discounts on services such as consultations, diagnostics, maternity etc at our network.	Available

Plan Highlights

Infinity Bonus boosts coverage by 100% of Base Sl at every renewal, unlimited times. The claims do not affect the accrued amount.
The Premium Payback benefit allows customers to claim the first-year base premium upon every block of 5 claim-free years.
Loyalty boost adds an extra sum insured equal to the first policy year’s base SI after seven claim-free years, once in a lifetime.
No sub-limits and caps on expenses for pre- and post-hospitalisation, AYUSH treatment, domiciliary hospitalisation, ambulance cover and organ donor cover.
Unlimited automatic recharge of the sum insured to ensure seniors do not run out of coverage during the policy year.
Wellness Benefit offers up to 30% discount on premiums to help you improve your fitness level.

Plan Details

Policy Terms
Exclusions

Minimum Entry Age
Child	91 days to 24 years
Adult	1 adult must be 61 (the second adult’s age can be below 60 years)
Exit Age	Lifelong/ Child: 25 years
Cover Type
Individual	Maximum of 6 persons
Family Floater	Maximum up to 2 Adults 2 Children
Tenure Options	1/2/3/4/5 Years
Waiting Period
Initial Waiting Period	30 days (coverage starts from the 31st day)
Named Ailment Waiting Period	24 months
Waiting Period due to pre-existing diseases	36 months
Relationship Covered	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in-law, grandfather, grandmother.

Download Terms and Conditions

Claim Process

Cashless
Reimbursement

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Popular Cities

Mumbai
Chennai
Kolkata
Bengaluru
Pune
Hyderabad
New Delhi
Ahmedabad

Our Extensive Network

22100+
Cashless Healthcare Providers^^

1400+
Cities Across India

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Frequently asked questions

Q. Can I add my children to the Ultimate Care Senior health plan?

Yes, you can add up to 2 children and 2 adults under the Ultimate Care Senior plan on a family floater basis.

Q. Does the plan cover pre-existing conditions?

Yes, the Ultimate Care Senior Plan covers pre-existing conditions after a 36-month waiting period.

Q. Can I purchase the Ultimate Care Senior plan without any medical check-up?

Yes, the Ultimate Care Senior Plan can be purchased without a pre-policy medical check-up. However, in some instances, the underwriter may request additional information or medical tests.

Q. Is there a co-payment clause in the Ultimate Care Senior plan?

Yes, a 20% Co-payment shall be applicable on all claims under the Ultimate Care Senior plan if opted by the insured member under the policy.

Q. Does Ultimate Care Senior offer annual health check-ups?

Yes, the policy provides the option of annual health check-ups as an addition to the base policy. This helps you monitor your health and take preventive measures promptly.

Q. What is the maximum policy tenure for Ultimate Care Senior?

The policy tenure for this plan is available up to 5 years.

Q. Can I reduce the waiting period for pre-existing diseases under Ultimate Care Senior?

With Instant Cover benefits, you can obtain coverage for PEDs like Diabetes, Hypertension, Hyperlipidemia, Asthma, Obesity, and Coronary Artery Disease (PTCA prior to the one year) after a 30-day waiting period. If you need coverage for a PED not listed, you can choose a PED wait period modification add-on, subject to policy terms.

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Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of Feb 2025

**Number of Claims Settled as of Dec 2024

^Get exclusive 5% off on Total premium on purchasing the plan from website

*In a block of 5 claim-free years, you get your first year's base premium amount.

#The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh in a zone 3 city with add-ons that impacts the premium reduction.