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Ultimate Care vs Arya Health Insurance

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Specifications side by side

Spec
Ultimate Care
Arya Health Insurance
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
25 lakh, 50 lakh, 1 crore
Highest sum insured
100 lakh
100 lakh
Entry age
From 18 years (adult); 91 days (child) (no maximum stated)
From 18 years (principal); 3 months (dependent children) (no maximum stated)
Room rent
Up to SI
At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers
Co-payment
None in base cover
Zero co-payment on base benefits except non-intimation co-payment (30% / 15%, or 20% if Other Provider Network access opted) when treated at Other/non-network providers without timely intimation
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
Optional 'Revive': reinstatement of Base Sum Insured in the same Policy Year upon complete or partial utilisation
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
Optional 'Accumulate Plus': 50% of Base SI per policy year, up to 100% / 200% / 400%
Maternity
Optional benefit only (Maternity Cover)
Not covered
OPD
Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium
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Premium
Sample annual premium
₹10,390
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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
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Insurer
Health incurred claim ratio (insurer)
64.53%
—
Claims figures for
FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
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Network hospitals (insurer)
22,100+ (as of Dec 2025)
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IRDAI UIN
CHIHLIP26058V022526
NHIHLIP27047V022627

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

Arya Health Insurance

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