Care Classic (Insta) Health Insurance Plan
People living in different cities in India have access to different healthcare facilities and the cost of hospitalization varies as per the city you live in. With Care Classic health insurance plan, Care Health Insurance Company aims to cater to the comprehensive zone-based health insurance needs of people living in various cities in the country. This city-based health plan allows customers to avail the most suitable insurance plan at the most affordable premium irrespective of the cities they live in.
Highlights of Care Classic (Insta) - Care Health Insurance
Claim settlement ratio – 100 %
NCB* - 25% of SI, up to 150%*
PED Waiting# - 48 months
Network Hospital – 24800+
Pros & Cons of Care Classic (Insta) - Care Health Insurance
Quick Answers to all Health Insurance Questions
Care Health
Insurance Company
Care Health Insurance Company (Formerly known as Religare Care Health Insurance Company Limited) is a part of Religare Group established in July 2012. It is a direct subsidiary company of Religare Enterprises Limited. Care Health is a leading player in the health insurance industry of India. It is a specialised health insurance provider offering a suite of insurance solutions in the retail segment. Its plans include International Travel Insurance, Health Insurance, Personal Accident, Critical Illness and Top-up coverage along with Group Health Insurance for Corporates and Companies.
Claims Experience
% of claims settled in less than 30 days Reflects on the speed of settling valid claims
% of Complaints received on overall claims % customers unhappy with claims experience
Claims Incurred Ratio Claim Settlement Ratio (No. of claims) What % of the claims received were paid?
No. of Cashless Hospitals Benefits of Care Classic (Insta) - Care Health Insurance
| In-patient Hospitalization | |
| ICU Rent Limit |
2% per day - No limit |
| Room Rent Limit |
1 % of SI per day |
| Pre & Post Hospitalization | |
| Post-hospitalization expenses are covered |
Up to the Sum Insured |
| Post-hospitalization expenses are covered for up to |
90 days after the date of discharge from the hospital |
| Pre-hospitalization expenses covered |
Up to the Sum Insured |
| Pre-hospitalization expenses covered for |
60 days before hospitalization |
| Day Care Treatment | |
| Financial Limit |
Up to SI or sum insured |
| No. of treatments covered |
541+ Daycare treatments covered |
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Care Classic is a health plan based on indemnity where the calculation of the premium depends on varied things like age of insured, city where they live in, number of members covered under the plan and any PED or pre-existing diseases etc.
The minimum age limit for adults is 18 years and you can include a child of 91 days old under the family floater plan. On the other hand, the maximum age limit is 65 years for adults and 24 years for children.
The age of the proposer must be 18 years to buy the care classic plan.
There are no medical tests required to buy the care classic health policy. However, the insured might have to go through a telephonic underwriting depending on their health condition and past medical history.
Yes, you can easily get the policy online via the official website of care health insurance.
Yes, cashless hospitalization facility can be availed by all the policyholders across the various network hospitals in the country that the insurer has tie up with.