🚀 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
The number of health insurance options in India is growing by the year and in the case of the comparison of Care Ultimate Care Plan against HDFC Ergo Optima Select Plan, 2025 will be the most topical one ever. In newly introduced health risks, increased medical inflation and a changing family structure, the choice of a policy can go a long way in ensuring health security in the long term. This paper gives a comprehensive and direct comparison of these two best rated health insurance plans in Indian families and individuals, outlining the features, benefits, exclusions, limitations, and all other considerations vital to bear in mind.
Care Ultimate Care Plan is the all-embracive medical insurance scheme provided by Care Health Insurance in a bid to provide high sum insured, broad coverage and various wellness solutions. This plan should benefit not only the families but also the individuals and should include majority of the bills that are associated with the medical care like hospitalization, pre and post hospital care, day care facilities, and even the check-ups of wellness.
Another question that people do ask is: What is the sum insured in Care Ultimate Care Plan?
The plan will include everything with sum insured that varies between INR 5 lakh and INR 6 crores.
The HDFC Ergo Optima Select Plan is a personalized medical cover which is dedicated to saving money and intelligent benefits. The 2025 updated of this health insurance plan includes more covered treatments and has special features to cash and restore in hospitals.
Did you know?
In HDFC Ergo Optima Select, one can restore the whole amount insured when a claim crosses the limit within a policy year. This comes in very handy when it comes to recurrent claims in the family.
The key highlights would be understood, and the right policy can be narrowed down. Here is a quick comparison:
| Facility | Care Ultimate Care Plan | HDFC Ergo Optima Select Plan |
|---|---|---|
| Entry Age | Child: 91 days, Adult: 18 yrs | Child: 91 days, Adult: 18 yrs |
| Limit to entry age | None established to date | 65 years. |
| Sum Insured Range | INR 5 lakh - INR 6 crore | INR 5 lakh - INR 50 lakh |
| Pre Hospitalization Cover | 60 days | 60 days. |
| Post Hospitalization Cover | 180 days | 180 days |
| Global Indemnity | Yes (chosen plans) | No |
| Expenses of Organ Donors | Covered | Covered. |
| Wellness Check-ups | Annual, included | Annual, included |
| Booster/Restoration | As much as 500 percent | As much as 100 percent |
| Accident Cover | Base plan only | Available as additional coverage. |
| Network Hospitals | 22,000 plus | 13,000 plus |
| Cashless Hospitalization | Yes | Yes. |
The two plans withstand each other well, yet their capabilities meet varying expectations. Care Ultimate Care Plan is ideal to individuals who would want to have a greater insurance cover, unlimited room rent and international coverage. These characteristics would appeal to city families and global tourists.
On the contrary HDFC Ergo Optima Select Plan is better suited to the needs of those who are seeking affordable and yet exhaustive covers in India and those that prefer to have benefits such as shared accommodation cash and automatic restoration of basic sum insured.
Care Ultimate can be in a better place in case your main aim is international hospitalization or increased coverage of critical illnesses. To have an affordable India-based coverage, with the opportunity to choose the room rent, and to get the benefits of cash bonus, the HDFC Ergo Optima Select is a good option.
Pros:
Cons:
Care Ultimate Plan also asks people questions such as: Does Care Ultimate Plan cover all family members?
A family floater Care Ultimate policy can include spouse, dependent children and parents.
Pros:
Cons:
Did you know?
Optima Select pays you a daily cash benefit when you select a shared room during hospitalization and this will reimburse you, which can be used to cover the non-medical expenses.
Care Ultimate and HDFC Ergo Optima Select have a certain waiting period of pre existing diseases. The standard of the 36 to 48 month waiting period to full coverage of such conditions is the norm in the industry in 2025.
Reduced waiting times can be used when there is accidental hospitalization and some of the listed illnesses. The two plans do not cover the treatment due to excluded coverage such as cosmetic surgery or experimental treatments.
It is recommended that policyholders should report their medical histories correctly. The effect of concealment or non-disclosure is that the claim may be rejected even after years of paying premiums.
Indian consumers are still very concerned with ease of claim settlement. Cashless facility in partner hospitals and 24/7 customer service through phone, email, and WhatsApp are offered in both insurers.
Care Health and HDFC Ergo both provide:
The other question people ask: Is cashless facility quicker than reimbursement?
Yes, the cashless claims are normally settled within a shorter time because the insurer pays the hospital directly. The reimbursement is usually time consuming.
Suitable For
Not Recommended For
Did you know? Care Ultimate also has an annual fitness and wellness initiative that allows users to receive premium discounts in case they keep up with health parameters.
Suitable For
Not Recommended For
Below is an estimation of a family floater (2 adults, 1 child) in a metro city having sum insured of Rs 10 lakh, non smoker status.
| Insurer and Plan | Estimated Annual Premium (INR) |
|---|---|
| Care Ultimate Care Plan | Rs. 16,500 - Rs. 22,000 |
| HDFC Ergo Optima Select Plan | Rs. 12,000 - 15,800. |
These figures may depend upon age, health condition, city and add on benefits selected.
Both policies exclude:
Everything can be found in the policy wordings. Reading the small print or seeking advice is clever when one is not sure of certain inclusions or charges.
The Ultimate Care Plan Care has an increased coverage (up to Rs 6 crore) with international and advanced benefits. Good with high net worth, city, or international family that would be prepared to pay high premiums to get a comprehensive cover.
HDFC Ergo Optima Select Plan is an affordable, India focussed policy which has restoration, all daycare procedure cover and shared accommodation cash benefits. Best suited to young families and those who are in need of cheaper premiums and basic requirements.
Who is better in settling claims?
Both have a reputation of fast settlement of claims. Large cashless claims are paid within less than 7 working days.
Does it have pre existing disease cover after the first year?
No. Both of the plans apply regular waiting period of 3-4 years.
Is it possible to transfer an individual port of HDFC Ergo to Care Health?
Yes, in case of consistent cover, there is no risk of losing benefits of waiting period in case of switching insurance carriers as per IRDAI.
What is the maternity waiting period in both plans?
Normally lasts between 24 to 36 months and can only be added as an add-on in the two plans.
Am I able to insure my parents on these plans?
Yes, the dependent parents are also permitted under both plans unless the age limit is crossed at entry, particularly in HDFC Ergo (max 65 years).
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!
