Save tax up to ₹75,000^~ u/s 80D

Ultimate Joy

Avail 5% digital discount

Global Maternity Cover
Up to 500% Increase in SI
No Limit on ICU
No cap on Room Rent

Insured 15,00,00,000+ lives

Welcome Motherhood with Ultimate Joy

Select the members to be insured

By continuing, you agree to our Terms & Conditions

Plan Features

pregnant_woman

Global Maternity Cover

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Up to 500% Increase in SI

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No Limit on ICU

single_bed

No cap on Room Rent

breastfeeding

Mother & Newborn Care

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Unlimited Automatic Recharge

outpatient

Unlimited E-Consultations

home_health

Day Care Treatment

More About Product

Product Benefits

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Customer Information Sheet

Prospectus

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

Get up to ₹1 Lakh in protection for the surrogate mother's hospital expenses due to medical complications during or after pregnancy.
Get coverage of up to ₹50,000 for official CARA adoption fees and secure an additional ₹10,000 for the child's medical tests after a 2-year waiting period.
Enjoy a 100% cumulative bonus on your Sum Insured every year with continuous policy renewal under the Infinity Bonus, even if you make a claim.
Get benefits of up to ₹1 lakh to cover hospitalisation expenses in case of any medical complications during a donor's oocyte retrieval.
Upgrade your hospital stay by ensuring you are fully eligible for a Single Private AC Room, with no standard room rent caps or limits.
Get unlimited automatic recharge to restore 100% of your Sum Insured each time it is exhausted during the policy year, even for the same illness.

Plan Details

Policy Terms
Exclusions

Age Limit
Entry Age- Minimum	Individual: 18 years
	Family Floater Child: 91 days with at least 1 member of age 18 years or above
Entry Age- Maximum	Adult: Lifelong
	Child: 24 Years
Exit Age	Adult: Lifelong
	Child: 25 Years
Age of Proposer	18 years or above
Renewability	Lifelong
Cover Type
Tenure Options	1/2/3 Years
Waiting Period
Initial Waiting Period	30 days, except for the treatment of injuries
Named Ailment Waiting Period	24 months
Pre-Existing Wait Period	36 months
Maternity Wait Period	48 months
Relationship Covered	Self, Legally married spouse, son, daughter, father, mother, mother-in-law, father-in law and as per insurable interest

Download Terms and Conditions

Claim Process

Cashless
Reimbursement

22100+ Healthcare providers offering cashless treatment across the country

Hospital Locator

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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

Overall Rating 5.0/5.0 Write a Review

T

Teena Ultimate Joy
5

Smooth maternity coverage

July 15, 2026

Ultimate Joy Bronze is a helpful option for couples planning a family, as it offers dedicated maternity coverage along with support for newborn care after delivery. The plan helps manage expenses for pregnancy, delivery, and postnatal hospitalisation, which reduces stress at a time when you want to focus on the baby instead of worrying about bills. You should still check the waiting period and sublimits carefully before buying, but overall it provides reassuring protection for planned maternity

Ananya Sharma Ultimate Joy

Smooth and Reassuring Experience

July 24, 2026

Purchasing the Ultimate Joy plan was simple and convenient. The customer service team patiently explained the coverage and answered all my questions, helping me choose the plan with confidence. The entire experience felt professional and supportive.

Riya Kapoor Ultimate Joy

Helpful Guidance at Every Step

July 24, 2026

The Ultimate Joy plan offered the coverage I was looking for, and the process was quick and well-organized. The team was responsive, knowledgeable, and supportive throughout. I am happy with the service provided by Care Health Insurance.

Kavya Malhotra Ultimate Joy

Support That Continues After Purchase

July 24, 2026

What impressed me most about Care Health Insurance was the assistance I received even after purchasing the Ultimate Joy plan. The team helped me understand my documents, responded quickly whenever I needed clarification, and made policy management feel simple and convenient.

Frequently asked questions

Q. Can I buy this plan as a family floater if my wife is already pregnant?

Yes, you can, as per policy schedule. Please note that the specific maternity benefits will unlock and be ready to use just as soon as the required waiting period is completed.

Q. Will this cover IVF?

No, Ultimate Joy insurance plan doesn’t include coverage for IVF.

Q. What if my baby needs treatment after birth?

Ultimate Joy includes newborn-related benefits, helping ensure that support extends to your baby as well, as per the policy terms.

Q. What is the protocol or coverage if the delivery happens abroad?

It will be covered under the benefit ‘Mother and Newborn Baby Care’, which is available worldwide. The coverage amount is as per the policy schedule.

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

^^Number of Cashless Healthcare Providers as of 30th March 2024

**Number of Claims Settled as of 31st March 2024

*Premium calculated for an individual (Age 18) for sum insured 5 Lakhs in Zone 2 cities

Ultimate Joy

Welcome Motherhood with Ultimate Joy

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Plan Features

More About Product

Product Benefits

Plan Highlights

Plan Details

Claim Process

22100+ Healthcare providers offering cashless treatment across the country

22100+Cashless Healthcare Providers^^

1400+Cities Across India

Voice of Customer

Frequently asked questions

Q. Can I buy this plan as a family floater if my wife is already pregnant?

Q. Will this cover IVF?

Q. What if my baby needs treatment after birth?

Q. What is the protocol or coverage if the delivery happens abroad?

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22100+
Cashless Healthcare Providers^^

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Cities Across India