Care Classic
  • Get coverage for IVF treatment*
  • Free doctor consultation
  • Discounted premium amount
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Care Classic Health Insurance

Get coverage based on your residential zone.

Care Classic health insurance is a family floater health plan ideal for married couples, joint families, young and 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, health tips, etc.

Care Classic Plan Specifications

Care classic is a zone-based family health insurance plan that is ideal for joint families, married couples etc. To understand care classic plan and its eligibility in a better way. Take a look at the below table of its specifications:

Sum Insured

5 | 7 | 10 | 15 Lakhs

Allowed Relation

Self, Spouse, Son, Daughter or Parents or Parents-in-law

Entry Age

Min: 91 Days + 1 Adult insured, Max: Adult: 60 Years, Child: 24 Years

Exit Age

Adult: Lifelong, Child: 25 Years

Policy Term

1 | 2 | 3 Years

Initial Waiting Period

30 Days

*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.

Read more specifications in the brochure.

Choose your Care Classic Plan

Care classic plan offers various coverage options that vary on the sum insured amount. Policyholders can customize the plan as per their needs. Take a look at the below coverage table and choose the one according to your needs and budget:

In-patient & Out-patient Coverage

Room Rent

Private Single AC

ICU Charges

Covered up to SI

Pre-Hospitalization

Covered up to 60 days

Post-Hospitalization

Covered up to 90 days

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Covered under a rider

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered up to 40K per eye

No Claim Bonus

25% of SI per year

Automatic Restoration

Unlimited SI Restoration

Daily Hospital Cash

Not available

Organ Donor

Up to 10% of SI

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Covered up to 10% of SI

IVF Treatment

Covered

Modern Treatment

Covered as per Sub Limits

Emergency Coverage

Ambulance

Covered up to 1K per policy

Air Ambulance

Not available

Compassionate Travel

Covered up to 5K per policy

Global Coverage

Not available

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Once per policy

Vaccination

Not Covered

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Classic Plan?

Under this plan, a policyholder can get coverage for a Private Single AC room.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Classic Plan?

Under this plan, ICU charges are covered up to your selected Sum Insured.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Classic Plan?

This plan covers medical expenses of up to 60 days before your hospitalization.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Classic Plan?

This plan covers medical expenses of up to 90 days after you get discharged from the hospital.

What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Care Classic Plan?

Under this plan, the domiciliary hospitalization that exceeds 3 days is covered up to your selected Sum Insured.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Classic Plan?

This plan covers all day care procedures.

What are OPD charges?

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

Coverage status under Care Classic Plan?

This plan covers OPD charges as an add-on benefit. You can avail of this benefit by adding an OPD Benefit rider along with this policy at an additional cost.

What is COVID-19 Treatment?

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Care Classic Plan?

COVID-19 treatment cover is available under this plan.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Care Classic Plan?

This plan offers coverage for Cataract treatment as per the selected Sum Insured amount.

Sum InsuredLimit per Policy
5 LakhsUp to INR 40K per eye, Max 60K per policy year
7 Lakhs and aboveUp to INR 50K per eye, Max 75K per policy year
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Classic Plan?

This plan offers a 25% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 150% of SI per policy.

In case of a claim: The no-claim bonus will be decreased by the same rate of increment.

What is Automatic Restoration?

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Care Classic Plan?

An unlimited automatic restoration of your selected SI is available under this plan. However, it is not applicable in case of hospitalization due to advanced treatment methods.

What is Daily Hospital Cash?

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Care Classic Plan?

Daily hospital cash is not available under this plan.

What is an Organ Donor Cover?

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Classic Plan?

The plan provides coverage for organ donor expenses up to 10% of your selected Sum Insured amount.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Classic Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Classic Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Classic Plan?

This plan covers AYUSH treatment expenses up to 10% of your selected SI amount. It is covered a maximum of up to 50K in a policy year.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Classic Plan?

The plan offers coverage of up to 2 Lakhs for Sum Insured more than 5 Lakhs after the waiting period of 3 years.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Classic Plan?

This plan covers a wide range of modern treatments with certain sub limits as mentioned in the table below:

Advanced Technology TreatmentsCoverage Amount
Uterine Artery Embolization and HIFU15% of SI
Balloon Sinuplasty5% of SI
Deep Brain Stimulation25% of SI
Oral Chemotherapy15% of SI
Immunotherapy25% of SI
IVF5% of SI
Robotic surgeries25% of SI
Stereotactic Radio Surgeries25% of SI
Bronchial ThermoplastyUp to SI
Vaporization of the prostrate (Green laser/Holmium laser)Up to SI
Intra Operative Neuro MonitoringUp to SI
Stem Cell Therapy25% of SI
What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Classic Plan?

This plan covers Ambulance charges of up to 1K per policy year.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Classic Plan?

Not available

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Classic Plan?

The policy covers compassionate travel expenses of up to 5K per policy year.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Classic Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Classic Plan?

This plan offers unlimited e-consultation with general physicians.

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Classic Plan?

The policy allows health check-ups for all insured members once a year.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Care Classic Plan?

Every insured member under this policy can avail of a second medical opinion only for major illness/injury once in a policy year.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Classic Plan?

Not available

Care Classic Riders

Along with the coverage and basic advantages, Care Classic plan offers coverage for all the 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.

Annual Health check-up

Covers 1 pre-selected health checkup.

OPD Benefits

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

  • Coverage up to INR 10K
  • Up to 3 consultations are allowed per year

Limits:

  • Max. INR 500 will be paid per consultation for OPD benefit opted up to 5K.
  • Max. INR 1000 will be paid per consultation for OPD benefit opted for more than 5K.
Annual Health check-up

Covers the cost of 1 pre-selected health checkup in a year.

Care Health Insurance Network Hospital List

Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in

Care Classic Plan Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under this plan are:

War-related injuries

Cosmetic or Plastic Surgery

Injuries resulting from a suicide attempt

Injuries resulting from adventurous sports

Hospitalization due to alcohol, and drug abuse

Treatments related to sex change

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

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 give you a better idea about 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 Insured2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years5 Lakhs114651424317021
30 Years15 Lakhs193532384628338

Zone 2: Banglore, Pune, Nasik, Rest of Gujarat

Age (Male)Sum Insured2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years5 Lakhs101911266015130
30 Years15 Lakhs172032119625189

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

Age (Male)Sum Insured2 Adult2 Adult+1 Child2 Adult+2 Child
30 Years5 Lakhs84921055012608
30 Years15 Lakhs143361766320991

Explore Care Health Insurance

Care classic plan offers a simple and quick buying and claim process. Know more about Care Health Insurance plans, claim process, buying process and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Health Insurance Claim Process.

Buying Process

Click to know Care Health Insurance Buying Process.

Contact Us

Feel free to contact Care Health Insurance for more details.

Renewal Process

Click here to Renew Care Health Insurance Online

Premium Calculator

Click here to Care Health Insurance Premium Calculator

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Claim Settlement Ratio

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Explore Other Care Health Insurance Plans

Care Health Insurance offers various health insurance plans along with care classic plan. Check below to know more about the other care health insurance plans offered by the company.

A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Advantage

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Care Heart

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Plus

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Care Classic Plan: FAQs

1. How is the Care Classic plan different from a standard health insurance plan?

It is an indemnity health plan in which premium is based on the city you live in, age, pre-existing diseases, etc.

2. How many network hospitals are there with which the company has tied up for Care Classic?

The company has tied up with more than 8350 network hospitals PAN India.

3. Are there any pre-policy medical tests to buy the Care Classic Insurance?

No, there is no pre-policy medical test required to buy the Care Classic insurance.

4. Can I buy Care Classic Zone-Based Health Insurance online?

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.

5. Are there any sub-limits under Care Classic Health Insurance?

Yes, Care Classic Health plan comes with a sub-limit for providing coverage against modern treatments.

6. Does the Care Classic Plan offer any additional riders?

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.

Read Reviews & Ratings

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Vidyut Sharma

Delhi

May 25, 2022

I am in love with the facilities Religare Health Insurance offers. It is one of the best health insurance companies available in the market at the moment. I would definitely recommend this to e...

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Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

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Ram Dulari

Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

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Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

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Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

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Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

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Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

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Dr Mukesh Shah

Hyderabad

July 11, 2021

Excellent service by policyx and particularly Ms Prashansha Yadav employee Id 12671. She was prompt on the answer and listen very patiently and the answer was very clear and understandable. rea...

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