Save tax up to ₹75,000^~ u/s 80D

Ultimate Care with Unlimited SI

Health Plan with Unlimited Coverage

Premium Payback*
Capless ICU Coverage
Unlimited E-Consultation
Up to 30% Renewal Discount

Insured 15,00,00,000+ lives

Unrestricted Health Cover with Fitness Rewards

Select the members to be insured:

By continuing, you agree to our T&C

Why Do You Need Ultimate Care with Unlimited Sum Insured?

Wondering whether “Unlimited Coverage” is the right choice for you? Mentioned below are the reasons:

Limitless coverage

Unlimited sum insured ensures limitless financial coverage throughout the policy year.

Affordable premium

The unlimited coverage under ultimate care starts from as low as ₹26/ day.

Skip add-ons

Unlimited coverage ensures you do not require additional top ups and bonuses for exhaustive coverage.

The premium of ₹26/day is calculated for an insured member (18 years) opting for unlimited coverage for 1 year in a zone 3 city.

Plan Features

money

Premium Payback*

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Capless ICU Coverage

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Unlimited E-Consultation

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Up to 30% Renewal Discount

all_inclusive

Unlimited Coverage

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2-hour In-patient Hospitalisation

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Medi Voucher

ventilator

Advanced Technology Treatment

pulmonology

Organ Donor Cover

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Daycare Treatment

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Domiciliary Hospitalisation

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

Exhaustive coverage is offered through the Unlimited Sum Insured option to ensure you have limitless coverage without having to opt for multiple add-ons.
Claims are admissible if the hospitalisation exceeds 2 consecutive hours.
The Premium Payback benefit offers a refund of the first-year’s base premium upon each block of 5 consecutive 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 policy lifetime.
No sub-limits and caps on expenses for pre- and post-hospitalisation, AYUSH treatment, domiciliary hospitalisation, ambulance cover and organ donor Cover.

Plan Details

Policy Terms
Exclusions

Minimum Entry Age
Child	91 days to 24 years
Adult	18 years to Lifelong
Exit Age	Lifelong/ Child: 25 years
Cover Type
Individual	Maximum up to 6 persons
Family Floater	Maximum up to 2 Adults 2 Children
Tenure Options	1/2/3 Years
Waiting Period
Waiting Period for Unforeseen Accidents	0 days (coverage starts from midnight)
Initial Waiting Period	Claims admissible after midnight in case of Accidental Hospitalisation An initial waiting period of 30 Days is required for Hospitalisation due to seasonal illnesses Waiting period for newborn becomes the same as the served waiting period of the primary insured member if the child is added within 90 days of birth.
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 and as per insurable interest

Download Terms and Conditions

Claim Process

Cashless
Reimbursement

Locate Your Healthcare Providers

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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

Voice of Customer

Reviews
Testimonials

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FAQs about Ultimate Care with Unlimited Coverage

Q. Who should opt for Unlimited Sum Insured Coverage?

Individuals seeking exhaustive coverage for their family members, and those who may expect multiple hospitalisations during a policy year, should opt for the unlimited sum insured option under the Ultimate Care Health Plan.

Q. Who can be covered under the Ultimate Care plan?

Besides yourself, you can get coverage for your spouse, children, parents, parents-in-law, and grandparents. The family floater plan from Ultimate Care covers up to 2 adults and 2 children.

Q. What is Premium Payback Benefit under the Ultimate Care Health Plan?

Under the premium payback benefit, you get the first year’s base premium back for every block of 5 consecutive claim-free years.

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

Yes, with Instant cover, you can get coverage for conditions such as Diabetes, Hypertension, Hyperlipidemia, Hypothyroidism, Asthma, Obesity, and Coronary Artery Disease (PTCA within the past 1 year) after a 30-day initial waiting period.

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!

Reach out to us at

Sales:1800-102-4499

Services: 8860402452

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Live Chat

Ultimate Care: UIN - CHIHLIP25044V012425

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 Dec 2025

**Number of Claims Settled as of Dec 2025

*The Premium Payback benefit refunds the first-year base premium after each block of 5 consecutive claim-free years.