🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: August 7, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read Bio
With the numerous premiums, selecting an appropriate health insurance in 2025 may be a difficult task. The Care Ultimate Care plan and the Galaxy promise Signature plan are two of the most discussed policies in India today. The most common question that most families would have is which one offers better coverage, better value of money as well as having peace of mind in the real world. In this article, you will have a comparison of these two trendy health insurance plans in details so that you can make an informed choice.
The Care Ultimate Care Plan is a premium health insurance plan that is being promoted by the renowned health insurance company Care Health Insurance. It also tries to offer broad cover of medical protection to families and individuals. The plan will cater to the increasing cost of health care in major cities in India and will provide cover to customers on hospitalization, day care procedures, and long term illnesses. As more people concern themselves with health in 2025, Care Ultimate Care Plan has done certain adjustments to incorporate a higher level of digital health support and cashless benefits.
Galaxy Insurance offers Galaxy Promise Signature Plan, which is a high quality health protection policy. The product is a new-age item targeted at the modern Indian families in search of the universal medical attention with the option of worldwide coverage. Besides the usual hospitalization cover, it has been trendy in 2025 with its built-in digital support and wellness classes. Galaxy Insurance has also modified the plan to have optional wellness rewards and regular health screening.
Q: Is COVID-19 covered under Care and Galaxy?
These two plans have also incorporated COVID-19 related hospitalizations since their revising in 2022, and there is no extra cost to the customer.
Did you know? Since late 2024 Care Ultimate Care Plan has been one of the first plans in India to provide unlimited restoration of sum insured against unrelated and related illnesses.
A global coverage and integration of digital wellness is the key difference between the two plans. Care Ultimate pays more attention to the general Indian hospital coverage and restoration provisions. Galaxy Promise Signature values the integration of digital health and international travel coverage.
| Characteristic / Advantage | Care Ultimate Care Plan | Galaxy Promise Signature Plan. |
|---|---|---|
| Sum Insured Range | 10 lakh to 1 crore INR | 15 lakh to 2 crore INR |
| Global Coverage | None No | Yes (Emergency only) |
| Cashless Hospital Network | 21,000+ | 18,500+ (global) |
| Telemedicine Support | Yes | Unlimited. |
| Mental Health coverage | Limited | Yes (Holistic and alternative) |
| Wellness Rewards | No claim bonus | Wellness boosters and e-pharmacy credits. |
| Pre/Post Hospitalization Days | 60/180 | 90/180. |
| Room Rent Limit | Single Private Room | No limit |
| Sum insured restoration | Unlimited | Anually. |
| Preventive Checkups | Optional per add-on | Included once per year. |
| Maternity / New Born Keep (After 2 years) | Yes (Some plans have 1 st year) | Yes (After 1 st year) |
| Premium (Indicative - Family, 2A+2C, 30L) | [?]33,000 to [?]38,000 per year | [?]40,000 to [?]46,000 per year |
Q: Which policy is superior to the aged?
Galaxy Promise Signature Plan has superior chronic care and pre-conditioned variants among seniors, but no entry age restriction exists in both of the policies.
Professional Opinion: As per the health policy consultants, the majority of Indian families residing in the metros are using Care Ultimate due to the desire to have pure hospitalization cover but Galaxy Signature is the plan preferred by people who want to have global cover or who travel abroad quite often.
Ramesh who is a 35 year old IT professional based in Bengaluru selected Care Ultimate due to its unlimited restoration because his parents were hospitalized in the previous years. Priya is a consultant and travels internationally on a regular basis and therefore chose the Galaxy Promise Signature Plan to provide coverage when she is in Singapore and Dubai, where she is on work.
We would consider indicative costs of premiums (as of January 2025) of the two plans in the case of popular customer profiles:
| Profile | Care Ultimate (30 Lakhs SI, Annual) | Galaxy Promise Signature (30 Lakhs SI, Annual) |
|---|---|---|
| Age 30, Individual | [?]13,500 | [?]17,800 |
| Age 40, Couple | [?]26,400 | [?]31,500 |
| Age 40, Family (2A+2C) | [?]36,200 | [?]44,200 |
| Age 55, Senior Citizen | [?]47,300 | [?]63,500 |
Note: The above premiums are indicative to the healthy, non-smoking members, pan India cities. In the case of Tier 2 cities, Care would tend to be less expensive by up to 15 percent.
Q: Pre-existing diseases?
The two plans include pre-existing diseases once a waiting period is taken. Care Ultimate has a wait period of 2-4 years with Galaxy promise Signature waiting normally being 3 years, provided the plans are not with the seniors.
Did you know? According to a 2024 survey by PolicyDirect, 68 percent of parents with children below 12 years found Care Ultimate home treatment coverage helpful in emergencies involving pediatric patients.
Claim settlement ratios of both Care Insurance and Galaxy Insurance have been above 95 percent in the past years, which is significant to the confidence of the customers.
Q: What is restoration benefit and what does it do?
Restoration is the amount insured that is replenished in case it is utilized. Care Ultimate has unlimited refills on various illnesses, Galaxy one time a year even on the same illness.
Expert Analysis: According to independent brokers, unlimited restoration will be crucial in the event of hospitalization occurring more than once a year which is becoming a staple of Indian joint families after the pandemic.
Exclusions apply in all health policies including premium policies. One should read the brochure and then purchase.
Comparison Tip: There is always exclusion, waiting period, day care inclusions and co-payment clauses when comparing.
Q: Is it possible to drive between Care and Galaxy?
Yes. There is the opportunity of portability at the time of renewal, as defined by the IRDAI regulations, but previously acquired credits of the waiting period might vary.
Did you know? Complementing the policies with a critical illness benefits optional rider with cancer, cardiac and others at an average of [?]1,400 to [?]2,200 per annum.
According to recent reports, the Indian buyers in 2025 are seeking:
Care Ultimate will be selected as the one with the full domestic cover and restoration, and the global cover of Galaxy Promise Signature attracts younger and NRI families.
Q: Which is the best one between Care Ultimate and Galaxy Promise Signature: Big joint family?
Care Ultimate is also less expensive to large families, particularly since it has unlimited restoration and has a broader Indian network of hospitals.
Q: Do these plans have tax deductions of health insurance in India?
Yes. Section 80D of the Income Tax act, 1961 allows premiums to be claimed on both plans.
Q: How long is the wait period of maternity in both plans?
Care Ultimate provides post 2-year maternity. In some versions, Galaxy Promise Signature will cover the period after 1 year.
Q: I can I purchase these policies online all the way?
Yes, both Care and Galaxy enable the process of digital purchasing, renewing, and claiming of policies via their applications and websites.
Q: Does the day care procedures fall under both plans?
Yes, both of them are covered by all of the listed day care treatments, but with terms and conditions.
Question: Who is supposed to purchase global cover policy?
In the case you travel beyond India to work, study or have leisure more than two times per year, Galaxy Promise Signature is the best choice.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users (web). Start your financial journey today!
