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Last updated on: August 7, 2025
When comparing the Bajaj Allianz Health Guard Family Floater Gold Plan and the Care Ultimate Care Plan, both offer comprehensive health coverage for families, but differ in key features. The Bajaj Allianz plan provides sum insured options from ₹1.5 lakh to ₹50 lakh, covers hospitalization, pre- and post-hospitalization, and has no sub-limits on room rent. Its wellness benefits and cashless network are notable. In contrast, the Care Ultimate Care Plan offers higher sum insured options up to ₹6 crore, features unlimited automatic recharge, annual health check-ups, and global coverage for select treatments, making it more suitable for families seeking extensive protection. Your choice should depend on budget, required coverage limits, and specific family health needs.
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The choice of the optimal comprehensive health insurance is now more significant than ever to Indian families due to the increase in hospitalisation and treatments costs. Of all alternatives, Bajaj Allianz Health Guard Family Floater Gold Plan and Care Ultimate Care Plan have become leading alternatives. The two policies serve family health requirements and both policies have individual benefits, wider sum insured and value added services. Here, in 2025, this guide provides a clear, valuable comparison to these plans, so that you can make an informed, confident decision.
The Bajaj Allianz Health Guard Family Floater Gold Plan targets families who want a wide coverage of health though the same policy. It has high sum insured options, cashless network hospitals and value added.
Did you know? In 2024 more than 70 percent of Indian health claims were cashless, and Bajaj Allianz was ranked top by settlement speed [see citation at end].
Care Ultimate Care Plan is a complete Care Health product. It is a good fit in bigger families and higher expense ranges because of its exhaustive coverage and lack of sub-limits on the various expenses.
Experts’ Insight: In Mumbai and Delhi, majority of the modern families are now opting to use Care plans as high-value insurance coverage particularly when they require an international travel or global claims coverage.
Both of them are good protection, yet what counts as value will depend on what your needs are. Here’s how to decide quickly:
Select Bajaj Allianz Health Guard Gold in the case of:
Select Care Ultimate Care Plan when:
Other questions that people raise are: What is the family size and those plans to include parents? Although Bajaj Allianz only covers floater plans up to the self, spouse and children, the Care Ultimate Care Plan covers the parents and a broader age range.
In 2024, a family of four based in Hyderabad had a bill of [?]15 lakh to cover cancer operation. Bajaj Allianz Health Guard plan was comprehensive and paid all the expenses but the amount insured was used up. One neighbour enrolled in Care Ultimate Care, and had an unlimited recharge - his chemotherapy runs ran without being cash less.
Bajaj Allianz Health Guard Family Floater
Care Ultimate Care Plan
Did you know? According to June 2024 IRDAI statistics, Care Health paid 95 percent of cashless claims within less than 2 hours.
| Plan Aspect | Bajaj Allianz | Care Health Ultimate. |
|---|---|---|
| Ambulance Charges | To [?]20,000 | Actuals (no limit) |
| Health Checkups | Annual, comprehensive extensive panel | Annual, wide panel. |
| AYUSH cover | Yes, as per the IRDAI rules | Yes, up to sum insured. |
| USA/Global Hospitalisation | Not covered | Yes, but selected treatments. |
| Co-Payment | Not compulsory below 65 old age | Not compulsory (up to 65 yrs) |
| Lifelong Renewability | Yes | Yes. |
| Consumables Coverage | Restricted to package-wards only | Comprehensive. |
| Organ Donor Expenses | Yes | Yes |
Expert Insight: In cases of a family with elderly people or those with pre-existing conditions, it is always good to verify the co-payment terms because some plans charge a maximum of 20 percent after the age of 65.
Included Expenses
Excluded (Common to both)
Additional Definitions
Other questions include: How do restoration and recharge features function in health policies? Restoration Restoration refers to your sum insured being restored back on a policy year after being used. Care Ultimate provides unlimited such recharge; Bajaj Allianz provides one time restore in a year.
Examples Bajaj Allianz Health Guard Gold Plan (2 Adults and 2 Children).
Care Ultimate Care Plan Sample (2 Adults and 2 children).
Insurance websites or company websites provide specially online premium quotes in real-time; the latest offers are always worth checking before buying.
Fact: Premium rates will increase by 5-7 percent in 2025 than 2024 as health inflation increases.
Is it possible to involve parents on such health insurance?
In a family floater, Care Ultimate Care also covers parents. Bajaj Allianz limits floater to spouse and children; individual senior citizen policies required on parents.
Are there plans that include COVID 19 and new critical illnesses?
Both cover COVID 19 treatment. Check policy wordings or add ons annually on new diseases.
How portable are these plans to each other?
Indian health insurance policies favour portability; one can switch insurers during renewal time and still maintain the waiting periods.
Ritu and Suresh are late 30s Baalepur couple with two kids. Ritu has a father who has just undergone bypass surgery amounting to [?]12 lakh. They were comparing a new family floater: Bajaj Allianz had the sum insured of [?]25 lakh but at lower premium but limited parents inclusion. Care Ultimate Care was inclusive of more members and unrestricted recharge albeit at a high rate. Ritu selected the Care plan, which was Giving the family background of heart condition and coverage of her parents who have reached old age.
Takeaway: A large family or one which has parents can find a more value in plans with a broad coverage with little limitations on the sum insured.
Pro Tip: Always shop plans online on online marketplaces to get personalised premiums, coverage extras and the most up to date network hospital information- all in a single dashboard.
Expert advice: Select your policy not only on the basis of premium but also on the basis of waiting periods and claim process and restoration clauses.
Question 1: Which plan is inclusive of more hospitals when it comes to cashless treatment?
A1: Care Ultimate Care Plan of 22000+ hospitals has the larger network than 7000+ of Bajaj Allianz.
Q2: Does the two plans have standard maternity cover?
A2: Bajaj Allianz provides maternity cover after 2 years; Care provides as an add-on.
Q3: What of waiting times in the case of pre-existing diseases?
A3: Both typically enforce a 3 to 4 years waiting period; this can be different according to age and policy type.
Q4: Who are those who should purchase high sum insured health insurance plan?
A4: Big families, the aged or people who are expecting to incur significant medical care or treatment overseas.
Q5: What do I do to compare such plans prior to purchase?
A5: Fill in use the reputed online insurance portal service, which enables you to compare costs, coverages, exclusions, and get quotes with your family details within minutes.
In the case of 2025, Bajaj Allianz Health Guide Family Floater Gold and Care Ultimate Care Plan would continue to be the top-selling plans to Indian families. Select the one depending on your personal size, health requirements, and budget- and always remember to update and renew coverage directly on official insurer sites to get the most updated information.
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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).
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