How does the waiting period affect my coverage?

The Care Classic plan has a 30-day initial waiting period, 48 months for pre-existing conditions, and 24 months for specific illnesses.

What if I don’t use my health insurance benefits for the entire year?

You earn a No Claim Bonus, increasing your sum insured by 25% per claim-free year, up to a maximum of 150%.

Does the Care Classic plan cover treatment abroad?

The plan covers treatment only in India. However, optional global coverage add-ons are available for international medical emergencies and treatment.

Does Care Classic cover pre-existing diseases?

Yes – Care Classic does cover pre‑existing diseases after 48 months of continuous coverage (with an option to reduce the wait to 24 months via rider); until then PED treatments are excluded.

OneAssure

Health Insurance

Care

Classic

Care Classic Plan

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Get a Quote

96

Claim Settlement Ratio

22000

Network Hospitals

8.8

Customer Rating

Policy Brochure

Policy Policy Wording

Our Verdict

Expert Review: Care Classic

Final 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

About Care Classic

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.

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...

Classic Ratings

Ratings: Care Classic

Insurer Rating

5.69

out of 10

Insurance Rating

4.75

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

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Loyalty Bonus >= 500%

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No Disease Sublimits

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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

Inclusions and Exclusions of Care Classic

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.

Cashless Healthcare Providers

24800+ network hospitals

Waiting Period

Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 2 years
30 day waiting period

Daycare Treatment

Daycare treatments are covered by the policy.

AYUSH Treatment

Non-allopathic treatments are covered up to the sum insured under the policy.

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

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.

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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.

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...