Do I have to declare diabetes, hypertension or another pre-existing condition if it is controlled?

Yes. Disclose all pre-existing conditions accurately when applying. The brochure specifies a three-year waiting period for pre-existing diseases under the base policy. The optional Care Shield add-on lists a reduction to two years, subject to its terms and conditions.

Will the insurer cover my entire hospital room bill if I choose a more expensive room?

Room eligibility depends on the Sum Insured selected. The ₹5 lakh, ₹7 lakh and ₹10 lakh tiers specify a single private room, while the ₹15 lakh to ₹40 lakh tiers allow an upgrade to the next level only if a single private room is unavailable. The ₹50 lakh, ₹60 lakh and ₹75 lakh tiers show no room-rent limit in the brochure. Check the complete policy wording before choosing a higher room category.

Does the restoration benefit work for the same illness, or only for a different illness?

The standard restoration benefit is described as replenishing up to SI once per policy year for related and unrelated illnesses. Unlimited Automatic Recharge is a separate optional cover that allows unlimited recharges up to SI during a policy year, subject to its terms.

Can I claim reimbursement if I am treated at a non-network hospital?

Yes, reimbursement is described as an option for treatment at a non-network hospital. The brochure instructs customers to notify the insurer promptly and submit the specified documents. Confirm the applicable filing deadlines and documentation requirements with Care Health Insurance.

How long do I have to submit reimbursement bills after discharge?

The supplied brochure does not specify the exact reimbursement submission deadline. Contact the insurer or consult the full policy wording to confirm the notification and document-submission timelines for your claim.

Can I increase my Sum Insured during the policy term?

The brochure states that the Sum Insured can be modified only at renewal, subject to the underwriter's discretion. An increase is therefore not guaranteed and may be subject to underwriting requirements.

Does Care cover consumables such as gloves, masks and other non-payable items?

The optional Care Shield add-on covers 68 specified non-payable items. Coverage depends on the add-on's terms and the items listed in the applicable policy wording. Do not assume that all hospital consumables are automatically covered.

OneAssure

Health Insurance

Care

Care Classic — Comprehensive Family Health Cover

Care Classic Health Insurance with Unlimited Automatic Recharge and Family Floater Coverage

96%

Claim Settlement Ratio

22,000+

Network Hospitals

4.75/10

Plan Rating

Policy Brochure

Policy Policy Wording

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Our Verdict

Expert Review: Care Care

Final Verdict

Care Classic is worth considering if your priority is family floater hospitalisation cover with unlimited automatic recharge and a meaningful no-claim bonus. Its key limitations are the waiting periods and treatment-specific sublimits, including restrictions on using recharge for advanced technology treatments. Review the complete policy wording and optional-benefit costs before deciding

About

What Is Care?

Care Health Insurance offers comprehensive health plans designed to provide financial security against medical expenses. Their plans cover in-patient hospitalization, pre and post-hospitalization, daycare procedures, organ transplants, and emergency services. With flexible sum insured options, No Claim Bonus benefits, and features like sum insured recharge, policyholders get enhanced coverage. Additional add-ons, including global coverage and air ambulance services, further strengthen protection. Available for individuals and families, Care Health Insurance ensures quality healthcare access with extensive benefits and wide hospital network coverage.

Care Ratings

Care

Insurer Rating

7.51

out of 10

Insurance Rating

4.75

out of 10

No Room Rent Limit

Add on

Consumables Covered

No

No Co-payment

Add on

Loyalty Bonus >= 500%

Add on

No Disease Sublimits

Add on

Unlimited Restoration

Yes

Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

No

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Care Care Inclusions and Exclusions

Modern Treatment

Covers listed advanced treatments (robotic surgery, oral chemotherapy, stereotactic radiosurgery, intravitreal injections) up to full sum insured

ICU Charges

No restriction; covered up to full sum insured

Cumulative Bonus

10% annual increase for no-claim years, up to 100% maximum. Option to pay additional premium for 50% boost up to 100% per claim-free year.

Initial Waiting Period

30 days from policy commencement (except for accidents).

Specific Waiting Period

2 years for specified ailments.

PED Waiting Period

3 years for pre-existing diseases.

Annual Health Checkup

Available once per policy year from day 1 on cashless basis.

Post-Hospitalisation

Up to 60 days after discharge including physiotherapy and follow-up medicines.

Outpatient Department Cover (OPD Expense)

Not in base plan; available only as paid add-on.

Consumable Cover

Not in base plan; available as paid add-on (Claim Shield)

Deductible Option

Available as optional feature.

Coverage Options

₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹40L, ₹50L, ₹60L, ₹75L.

Maternity Cover

Not available in base plan.

AYUSH Treatment

Covers AYUSH system treatments (Ayurveda, Yoga, Unani, Siddha, Homoeopathy) up to annual Sum Insured.

Co-payment

Optional feature available.

Pre-Hospitalisation

Up to 30 days before hospitalisation when related to approved claim.

Claim Settlement Ratio

Up to 96%.

Room Rent

Single private AC room included in base; twin sharing and general rooms available

Cashless Healthcare Providers

21,700+ empanelled hospitals

Daycare Treatment

Covers procedures requiring less than 24 hours (cataract surgery, chemotherapy, dialysis, etc.)

Disease-wise sublimits

No disease-wise sub-limits.

Restoration Benefit

Yes, restores to 100% once per policy year for all claims.

Exclusions

Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.

Add ons

Care Add-Ons and Riders

Opd Benefit

Reduction In Ped

Unlimited Automatic Recharge

Ncb

Care Shield

Air Ambulance

Insurance Premium Calculator

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About the company

About Care

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.

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