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Health Insurance · head to head

Ultimate Care vs Health Unlimited

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Quick verdict

  • Health Unlimited is better for high sum insured available.

Computed from stored specifications, the published health insurance scoring rules and recorded prices. Not an opinion.

Specifications side by side

Spec
Ultimate Care
Health Unlimited
Cover
Plan type
Individual and family floater
Individual and family floater
Sum insured options
5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
Highest sum insured
100 lakh
200 lakh
Entry age
From 18 years (adult); 91 days (child) (no maximum stated)
91 days to 65 years
Room rent
Up to SI
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Co-payment
None in base cover
20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
Waiting periods
Initial waiting period
30 days
30 days
Pre-existing disease waiting
36 months
36 months
Specific illness waiting
24 months
24 months
Benefits
Pre-hospitalisation
60 days
60 days
Post-hospitalisation
90 days
90 days
Day-care treatment
Yes
Yes
AYUSH treatment
Yes
Yes
Restore benefit
Unlimited Automatic Recharge: available for unlimited times for unrelated or same illness from subsequent claim
Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
No-claim bonus
Cumulative Bonus 50% of Base SI per year irrespective of claim, maximum up to 100%; shall not reduce in case of claim
50% per claim-free policy year, max 100%; reduced by 50% in case of claims
Maternity
Optional benefit only (Maternity Cover)
Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
OPD
Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium
Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay
Premium
Sample annual premium
₹10,390
₹13,006
Sample premium is for
Individual 1A, age 30, Sum Insured Rs 10,00,000, Zone 1, base gross office premium for policy vintage > 3 years (before welcome discount); GST treatment not stated on the rate chart
Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual
Insurer
Health incurred claim ratio (insurer)
64.53%
95.29%
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer)
22,100+ (as of Dec 2025)
5000+
IRDAI UIN
CHIHLIP26058V022526
GCIHLIP26041V012526

A tick marks the better value where the category rules say higher (or lower) is better. Text values are shown without a winner. Ties have no winner.

Pros and cons

Ultimate Care

  • Pro: No co-payment on claims
  • Pro: No room-rent cap

Health Unlimited

  • Con: Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1
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