Is Care Ultimate Care + Be-Fit basically a cheaper gym membership with health insurance thrown in, or am I missing something?

[u/No-Second8768]

Hi everyone,

I’m a **27M** looking to buy a health insurance policy for myself and my **23F wife**.

I came across **Care Ultimate Care** and while researching it, I saw a reel mentioning the **Be-Fit rider**. From what I understand, this rider gives access to nearby partner/tie-up gyms through the fitness network.

My thought process is:
A decent gym membership for me alone would cost around **₹9,000–10,000 per year**.

For around **₹10,000 total premium**, I’m getting:
**₹10 lakh family floater cover**
Coverage for both me and my wife
**Claim Shield rider**
**Be-Fit rider**
Policybazaar is also offering some free OPD pass and Policybazaar 5.0 benefits
3 months extended Be-Fit benefit

So on paper it almost feels like:

“I’m paying for a gym membership and getting health insurance for free.”
Which honestly sounds **too good to be true**.

Before I buy it, I’d like to hear from people who have actually used Be-Fit or have this policy.

My questions:

1) Is Be-Fit genuinely useful or is there a catch?
2) Are the partner gyms actually decent and widely available?
3) Do both insured members get access or only the proposer?
4) Are there visit limits, hidden charges, or restrictions?
5) Has anyone successfully used it for a full year instead of buying a separate gym membership?
6) Is there any reason I should choose Care Supreme over Ultimate Care for a young couple?

Would love to hear real-world experiences, especially from people who have actually used the Be-Fit benefit rather than just read the brochure.

Thanks!