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Care Health · CHIHLIP26058V022526

Care Health Ultimate Care

Care Health Ultimate Care (IRDAI UIN CHIHLIP26058V022526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (8 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Care Health Ultimate Care is a health insurance plan from Care Health. Key specifications: plan type Individual and family floater, room rent Up to SI, pre-existing disease waiting 36 months.

Sample premium ₹10,390 a year*

*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. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Up to SI
Pre-existing disease waiting
36 months
Sample annual premium
₹10,390

Pros

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

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
Highest sum insured 100 lakh
Entry age From 18 years (adult); 91 days (child) (no maximum stated)
Room rent Up to SI
Co-payment None in base cover

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Unlimited Automatic Recharge: available for unlimited times for unrelated or same illness from subsequent claim
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
Maternity Optional benefit only (Maternity Cover)
OPD Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium

Premium

Sample annual premium ₹10,390
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

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)
Network hospitals (insurer) 22,100+ (as of Dec 2025)
IRDAI UIN CHIHLIP26058V022526

About the Ultimate Care

Care Health Ultimate Care (IRDAI UIN CHIHLIP26058V022526) is an individual and family floater health insurance plan with sum insured from 5 lakh to 1 crore (8 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Care Health.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore
  • Entry age: From 18 years (adult); 91 days (child) (no maximum stated)
  • Room rent: Up to SI
  • Co-payment: None in base cover

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Unlimited Automatic Recharge: available for unlimited times for unrelated or same illness from subsequent claim
  • 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
  • Maternity: Optional benefit only (Maternity Cover)
  • OPD: Optional: out-patient consultations up to Rs 5,000 per insured (Rs 500 per consultation), pre-added optional benefit at extra premium

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹10,390 a year for this profile: 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. Your premium will differ; get a quote from the insurer.

About the insurer

Care Health's health incurred claim ratio was 64.53% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Care Health states a network of 22,100+ (as of Dec 2025) hospitals.

Similar plans from other insurers

Other health insurance plans from Care Health

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Ultimate Care

All health insurance →
  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Narayana Health

Arya Health Insurance

  • Individual and family floater Plan type
  • At actuals at Preferred and Verified Provider Network; up to base Private AC room at Other/non-network providers Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Narayana Health

Narayana Aditi

  • Individual and family floater Plan type
  • Plan 1/Plan 2: General Ward; Plus/Prime: Private Room at actuals at Preferred and Verified Provider Network Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

Similar health insurance plans

Care Health

Care

  • Individual and family floater Plan type
  • Rs 5/7/10 lakh (Care 4): Single Private Room; Rs 15-40 lakh and above: Single Private Room upgradable to next level if not available; Rs 1-4 lakh: up to 1% of SI per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹21,061 a year*

Care Health

Care Supreme

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹12,292 a year*

Head to head

Compare the Ultimate Care

Questions

Ultimate Care FAQs

It depends on your age, cover, city and options. Care Health's own published premium table gives ₹10,390 a year for this profile: 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. Your premium will differ; get a quote from the insurer.

CHIHLIP26058V022526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Up to SI.

Co-payment as stated by the insurer: None in base cover.

Maternity as stated by the insurer: Optional benefit only (Maternity Cover).

60 days before and 90 days after hospitalisation.

5 lakh, 7 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 50 lakh, 1 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

Links to insurers are not paid. Comparezi earns only from labelled ads, which never affect the Comparezi Score, the order of insurers, or the price shown, which is what the insurer listed when we checked.

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