Care Classic Health Insurance Plans for Families | PolicyX
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Care Classic

Care Classic is a family floater health insurance plan from Care Healt ...Read More

Up to 1 Cr
Sum insured
158+
Pan India presence
96.6%
Claim settlement ratio
🛡️ IRDAI Approved
4.4/5 · 2,725 reviews
🏥 22,100+ hospitals
📊 1.74 solvency ratio
96.6% claim settlement
Written by Simran saxena
Reviewed by Raj Kumar
Published: 19 Nov 2024
Updated: 27 Jul 2026
Expert Verified
IRDAI Licensed

Overview

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and young or grown-up families. It offers cost-effective, comprehensive health coverage to families across India based on their respective residential zones. The plan from Care Health Insurance company covers expenses for IVF treatment and provides various value-added services like free doctor consultation and health tips.

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Know the detailed review of care health insurance plans in Hindi. This video will explain all the available plans and care health insurance offers.

Care Classic Riders

Along with the coverage and basic advantages, the Care Classic plan offers coverage for all primary healthcare needs of families. Moreover, you can boost your basic health plan with some optional riders.

OPD Benefits

Covers the cost of doctor consultation and prescribed medical tests that may not require hospitalization.

  • Coverage up to INR 10K
  • Maximum INR 500 will be paid per consultation for OPD benefit opted up to 5K.
  • Up to 3 consultations are allowed per year.

Annual Health Check-up

This additional rider is available for individuals who have purchased the Care Classic Insurance Policy (Individual), with a minimum sum insured of INR 10 Lakhs. This additional rider ensures features such as:

  • Covers the cost of a health check-up.
  • Covers for a year.
  • 1 pre-selected health check-up.

Exclusions

  • Listed ailments after 24 months.
  • Pre-existing diseases after 48 months.
  • Assisted Reproductive Treatment after 36 months.

Care Classic Premium

The premium amount of the Care Classic plan depends on your residing zone. To better understand how this calculation works, we have represented various sample premium amounts below based on a policy term of 1 year.

Zone 1: Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda, Surat

Age (Male) Sum Insured 2 Adult 2 Adult+1 Child 2 Adult+2 Child
30 Years 5 Lakhs 11465 14243 17021
30 Years 15 Lakhs 19353 23846 28338

Zone 2: Bangalore, Pune, Nashik, Rest of Gujarat

Age (Male) Sum Insured 2 Adult 2 Adult+1 Child 2 Adult+2 Child
30 Years 5 Lakhs 10191 12660 15130
30 Years 15 Lakhs 17203 21196 25189

Zone 3: Rest of India, excluding Zone 1 & 2

Age (Male) Sum Insured 2 Adult 2 Adult+1 Child 2 Adult+2 Child
30 Years 5 Lakhs 8492 10550 12608
30 Years 15 Lakhs 14336 17663 20991

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min- 91 days, Max- 64 years
Plan type
Family
Sum insured options
₹5 L, ₹7 L, ₹10 L, ₹15 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Room rent covered
  • Day care treatment
  • Advanced technology methods
  • ICU charges

Cons

  • Global coverage
  • Air ambulance
  • Vaccination
  • Daily hospital cash

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Not covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Not covered

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min. entry age: 18 Years
  • Max. entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Frequently Asked Questions

The 6 most-asked questions about Care Classic, answered.

It is an indemnity health plan in which premium is based on the city you live in, age, pre-existing diseases, etc.
The company has tied up with more than 8350 network hospitals PAN India.
No, there is no pre-policy medical test required to buy the Care Classic insurance.
Yes, you can buy Care Classic health insurance plan online by visiting the official website of Care Health Insurance or you can buy this plan through PolicyX.com by visiting our official website.
Yes, Care Classic Health plan comes with a sub-limit for providing coverage against modern treatments.
Yes, the plan comes with two risers: OPD benefits, which cover the cost of doctor consultation. Annual health check-up which covers one pre-selected health checkup.

Conclusion

Care Classic is an affordable, zone-based family health insurance plan that covers basic medical nee

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