For the family that hesitates on insurance because "the money feels wasted if we never claim." This plan pays you back for staying well.
A lot of people put off buying health cover because it feels like money down the drain if they never use it. Care Ultimate was built for exactly that hesitation — full protection, plus your base premium refunded if you stay claim-free, and rewards that keep stacking the healthier you stay.
Best for Healthy individuals and families who want their premium rewarded when they don't claim.
The headline benefits that matter most — summarised from the official insurer brochure.
No claims for 5 consecutive years? We refund your first-year base premium — after every 5 claim-free years.
Get additional sum insured equal to your first-year SI after 7 claim-free years.
A 100% bonus of your sum insured every year — irrespective of claims, unlimited times, with continuous renewal.
Enjoy up to 30% discount on renewals through the healthy-days program on the Care Health app.
Up to 30% off premium for new policy buyers in the first three years.
Combine multi-year sum insured for a single claim, plus pharmacy vouchers on your first renewal.
Care Ultimate's MoneyBack benefit refunds your first-year base premium in every block of 5 claim-free years — turning your health cover into a reward for staying well, not a cost you write off.
From welcome discounts to wellness rewards, Care Ultimate keeps rewarding healthy choices — so the fitter you stay, the more you save, year after year.
Quick reference for the essentials. Your advisor will confirm exact terms for your profile.
| Sum Insured | ₹5 L / 7 L / 10 L / 15 L / 20 L / 25 L / 50 L / 1 Cr |
|---|---|
| Entry Age | Adult 18 years+ · Child 91 days–24 years |
| Exit Age | Adult: lifelong · Child: 25 years |
| Cover Type | Individual up to 6 persons · Floater up to 2A + 2C |
| Tenure | 1 / 2 / 3 years |
| Renewal | Lifelong |
Source: Care Health Insurance product brochure. Subject to policy terms, conditions and exclusions.
Share a few details and your advisor will come back with exact premiums, the right variant and any discounts you qualify for — usually within a few hours.
Just honest advice tailored to your family.
Reach us however you prefer.
We stay with you well past the sale.
