Care Classic Plan
Care
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.
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Policy Wording
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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
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 Period
- 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
Daycare Treatment
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
Related Variants
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About the Company
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.
About the Company
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