Care Classic Plan
Care Health Insurance
8.8/10
OneAssure Rating
8.8/10
OneAssure Rating
Highlighted Features
Access to Advanced Treatments:
The Care Classic plan covers advanced treatments, including robotic surgeries, approved stem cell therapy, bariatric surgery, organ transplants, specialized cancer treatments, and cardiac care, ensuring access to cutting-edge medical technology for effective treatment.
Room rent and ICU limit:
The Care Classic plan has room rent limits based on the sum insured. ICU charges may be fully covered or subject to limits, depending on the plan variant. Reviewing policy terms ensures clarity.
Brochure
Policy Wording
Explore more features
Our Verdict
Care Classic offers coverage for assisted reproductive treatments up to ₹2 lakh after a 3-year waiting period, with no co-payment for those under 61. However, it imposes room rent restrictions and is tailored for couples seeking fertility assistance.
About the Plan
The Care Classic health insurance plan offers comprehensive coverage, ensuring financial protection against medical expenses. It covers in-patient hospitalization, pre and post-hospitalization (30 and 60 days), daycare procedures, and AYUSH treatments. The plan includes a No Claim Bonus, increasing the sum insured by 25% per claim-free year, up to 150%. It also provides an automatic recharge of the sum insured if exhausted. However, domiciliary hospitalization isn’t covered. Optional add-ons like global coverage and unlimited e-consultations enhance the plan’s benefits.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal&ICU)
Normal: up to sum insured, Single private A/C room.
ICU: No limit
Advanced Treatments
Deep brain stimulation
Oral chemotherapy
Uterine artery embolisation
HIFU
Robotic surgeries
Co-payment
Post age of 61 years, 20% of the bill, Until then the insurer will pay all costs to sum insured.
Waiting Periods
Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 2 years
30 day waiting period
Cashless Healthcare Providers
24800+ network hospitals
Day Care Treatments
Daycare treatments are covered by the policy.
AYUSH Treatment
Non-allopathic treatments are covered up to the sum insured under the policy.
Exclusions
Pre-existing diseases are covered after a 48-month waiting period.
Any illness occurring within the first 30 days of policy inception is not covered.
Injuries or illnesses due to self-harm, substance abuse, or hazardous activities are excluded.
Cosmetic or plastic surgery, unless required due to an accident or medical necessity, is not covered.
Treatment for infertility, sterility, or any assisted reproductive procedures is excluded.
Domiciliary hospitalization (home treatment due to lack of hospital beds) is not covered.
Non-allopathic treatments, except AYUSH treatments specified in the policy, are excluded.
Experimental, unproven, or investigational treatments not approved by medical authorities are not covered.
Treatment for obesity or weight control, unless medically necessary, is excluded.
Expenses related to dental treatment, hearing aids, and spectacles unless required due to an accident are not covered.
Exclusions
Global Coverage - Extends coverage beyond India, allowing policyholders to access medical treatment abroad for specified conditions under the policy.
Unlimited E-Consultations - Provides unlimited online doctor consultations, ensuring easy access to medical advice without hospital visits, enhancing convenience and healthcare access.
OPD Cover - Covers outpatient expenses like doctor consultations, diagnostic tests, and medicines, reducing out-of-pocket costs for regular medical needs.
Personal Accident Cover - Offers financial protection against accidental death or disability, providing additional security and support for policyholders and their families.
Add-ons
Looking for a Specific Hospital ?
Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
Still Confused ?
Frequently Asked Questions
Related Blogs
How to Claim Health Insurance in India: A Complete Guide
The health insurance claim process is a bit technical. So, you need to know the process in clear detail so that you know what to do when there is a medical emergency. So, here’s a complete guide to the health insurance claim process.
Best Health Insurance Company in India
Explore the best health insurance companies in India, with top benefits, cashless services, and quick claim settlement. Find the right coverage for you and your family.
Difference Between Health Insurance and Life Insurance
Learn the key differences between health and life insurance. Explore the sub-classification of these insurance types in India.
Claim Rejections vs Claims Repudiated in Health Insurance: What’s the Difference?
Gain insight into claim rejection vs. claims repudiated in health insurance.