Care Classic (Insta) Health Insurance Plan

4.5

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Policy Brochure

Policy Wording

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Cities in India differ on several grounds. One of these is the cost of medical care. For instance, the hospitalisation expense for a laser treatment in Jabalpur or Bareilly may be less than in metro cities like Mumbai or Chennai. This exorbitantly different price range can have a direct impact on your health insurance policy. For the same plan, smaller cities may not have to pay higher premiums.

This is why Care Classic health insurance is here to cover your zone-based needs. As a zone-based health insurance plan, Care Classic caters to the specific needs of individuals residing in various cities across India. With a high sum insured, up to ₹15 lakhs, it becomes easier to cover your medical needs without any hassle. Read on as we discuss all about the Care Classic health insurance policy and how it can benefit you in multiple ways!

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+

Choose a sum insured ranging from ₹5 lakhs to ₹15 lakhs

The policy covers all types of daycare treatments. So, avail daycare treatments without any hassle!

You can purchase several add-ons along with the base policy for enhanced coverage

Pay a premium according to your location and residence to maximise the benefit of the policy

The policy also covers AYUSH treatments up to the sum insured limit.

Get all your insurance related queries answered

Wish to Enhance Your Coverage? Take a look at the Riders Available with Care Classic Health Insurance Plan

You can enhance the coverage of the policy with exciting add-ons. Here are the options you may choose with Care Classic:

Add-on Covers	Details
OPD Benefit	Under this add-on, doctor's consultations and prescribed medical tests are covered that otherwise may not require hospitalisation
Annual Health Check-Ups	Get one annual health checkup per person for each policy year
Instant Cover	Avail instant coverage for lifestyle diseases like diabetes, asthma, hypertension, and hyperlipidemia
Co-Pay Waiver at Age >= 61	You can get a copayment waiver on claims made after attaining the age of 61 years
Care Shield	Claim Shield:Get coverage for 68 non-payable items No Claim Bonus Shield:The no-claim bonus remains unaffected if the total payable claim amount is <25% of the sum insured. Inflation Shield:Based on the average Consumer Price Index (CPI), the base policy sum insured will be adjusted annually.
Air Ambulance Cover	Get air ambulance charges covered in case of air travel from one place to another for treatment
Protect Plus	You can seek coverage for medical treatments outside India. The diagnosis, however, has to be done in India.

Care Classic Health Insurance Plan Highlights

Check out the table below for a quick insight into Care Classic:

Particulars	Details
Policy Name	Care Classic
Insurance Company	Care Health Insurance Limited
Sum Insured Options	₹5 lakhs ₹7 lakhs ₹10 lakhs ₹15 lakhs
Zonal Pricing	Zone 1: Mumbai, Thane, Ghaziabad and Noida, Delhi, including Faridabad, Gurgaon, Baroda, Surat, Ahmedabad Zone 2: Bangalore, Nasik, Pune, Rest of Gujarat Zone 3: Rest of India
Add-Ons	OPD Benefit Annual Health Check-ups Instant Cover Co-Pay Waiver at Age >= 61Care Shield Air Ambulance CoverProtect Plus
Entry age	Minimum: 91 days (with at least 1 adult) Maximum: 60 years (24 years for children)
Waiting Period	Initial waiting period: 30 days (not for accidents) Named ailment: 24 months Pre-existing diseases: 36 months Assisted Reproductive Treatment: 36 months
Network hospital	21700
Best suited for	Families
Who can be covered (With respect to the policyholder)	Self, mother, father, father-in-law, mother-in-law, legally married spouse, daughter, son, daughter

Features and Benefits of the Care Classic

Understanding the features and benefits of the plan provides you with greater clarity regarding coverages and the scope of the policy. So, here are the highlighting features and benefits of Care Classic:

Zone based Policy

Care Classic is a zone-based health insurance policy. Yes, this means you will have to pay a premium based on your city of residence. Since medical expenses vary across different cities, premiums are also charged accordingly. These are the three types of zones divided in the Care Classic:

Zone 1: Mumbai, Thane, Ghaziabad and Noida, Delhi, including Faridabad, Gurgaon, Baroda, Surat, Ahmedabad
Zone 2: Bangalore, Nasik, Pune, Rest of Gujarat
Zone 3: Rest of India.

Hospitalisation Benefits

Care Classic offers high-quality medical treatment coverage. So, whether it is modern treatment, AYUSH treatments, daycare procedure, or inpatient hospitalisation, the policy covers all. Not only this, but domiciliary expenses are also covered, making the policy even more affordable and comprehensive.

Comprehensive Coverage

With Care Classic, you get a range of coverages and benefits. Some of these are:

In-patient hospitalisation
ICU charges (up to SI)
Pre and post-hospitalisation expenses (60 days and 90 days, respectively)
Domiciliary hospitalisation
All daycare expenses
Ambulance charges
Organ donor expenses
AYUSH treatments
No claim bonus
Second opinion cover
E-consultations
Unlimited automatic recharge

Optional Covers

Not just the base cover, the policy also offers extensions under several add-ons. You may purchase the ones you need to enhance the policy coverage and maximise the benefit. Make sure to choose add-ons wisely, as they increase the premium.

Peace of Mind

Above all, having health insurance simply means peace of mind. You need not worry about the expenses during times of medical need. All you have to do is focus on recovery and let your insurer manage the expenses.

Care Classic Health Insurance Plan: What is Covered?

Coverages of a policy are termed as inclusions. Understanding inclusions helps you maximise the benefits. The coverages under Care Classic are:

In-patient Hospitalisation

When the hospitalisation exceeds 24 hours, it is termed inpatient hospitalisation. Care Classic covers inpatient hospitalisation expenses up to the sum insured amount. All you have to do is inform the insurer 48 hours before planned hospitalisation and within 24 hours in case of an emergency hospitalisation.

Pre-hospitalisation Medical Expenses

Before treatment begins in the hospital, it may start at home. So these costs are also covered for up to 60 days (up to the sum insured) prior to hospitalisation.

Post-hospitalisation Medical Expenses

In some cases, the treatment may continue even after returning home from the hospital. So, these medical expenses incurred for up to 90 days are also covered up to the sum insured limit. Consultant fees, medicines and drugs, and diagnostic charges are covered.

AYUSH Treatments

Up to the sum insured limit, AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy) are also covered in the policy.

Daycare Treatments

Not all medical treatments require hospitalisation. These are known as daycare procedures, where the patient can go home the same day after treatment. Under Care Classic, all types of daycare procedures are covered.

Advanced Technology Methods

Various advanced treatment methods are covered. To learn more, connect with your insurer.

Ambulance Charges

You need not worry about the ambulance charges as the policy covers them. You are eligible for up to ₹1,000 in ambulance charges per policy year.

Domiciliary Treatments

If the patient receives treatments at home, such expenses are covered under domiciliary treatments. However, to avail this benefit, the treatment must last for at least 3 days.

Organ Donor Expenses

If the insured person requires an organ donation, the expense of the organ donor is also covered. It is covered up to 10% of the sum insured.

No Claim Bonus

For each claim-free policy year, the policyholder receives a no-claim bonus. With this NCB benefit, the policyholder receives a 25% increase in the sum insured amount, up to 150% of the original sum insured. However, if a claim is raised, the NCB reduces similarly.

Second Medical Opinion

You can choose to seek a second medical opinion in the event of a major illness or injury. It is covered once per person in a policy year.

Unlimited Automatic Recharge

If the sum insured gets exhausted, you need not worry. The plan offers an unlimited automatic recharge option to help you restore the sum insured without any limits.

Assisted Reproductive Treatment

You can claim medical expenses for assisted reproductive treatment after the waiting period of 3 policy years. It can be claimed in the sum insured above ₹5 lakhs. A maximum of ₹2 lakhs can be claimed at once for this treatment in a block of 3 years.

Care Classic Health Insurance Plan: What is Not Covered?

Now, let's understand what the Care Classic health insurance policy cannot cover. These are some common exclusions where your policy may not cover:

Non-medical Items

Expenses incurred on non-medical items, such as surgical supplies or syringes, may not be covered.

Naval/Army/Aviation/Air Force injuries

Injuries arising from the professional tasks performed in the Navy, Army, aviation, or Air Force are not covered.

Diagnostic/Evaluation Purposes Only

Costs of diagnosis performed solely for evaluation purposes are not covered.

Gender-Related Treatments

Costs of treatments focused on gender alteration or reassignment of bodily features are not covered.

Self-inflicted Injuries

Injuries or treatments arising due to intentional harm done to the body, including suicide, are not covered.

Cosmetic Treatments

Cosmetic treatments are not covered under the policy, as they are not medically necessary. However, medically required reconstruction surgeries are covered.

Hazardous/adventure Sports

Participating in hazardous or adventure sports can pose a risk to health. Such conditions are not covered.

Intoxication/drug abuse

Any physical harm, accidents, or injuries due to drug abuse or the use of substances are not covered in the policy.

Pros & Cons of Care Classic (Insta) - Care Health Insurance

One of the key features of the Care Classic Insta plan is that it does zone based premium calculation to reduce premium amounts

The OPD care that comes with consultation as well as diagnostic charges offered under the plan is another important feature of the Care Classic Plan

The plan comes with a wide range of sum insured that ranges from INR 5 lakh to INR 15 lakh

Inclusive of annual health check-up is another top feature of the Care Classic Plan that makes the insured to stay at the top of their health by limiting various health risks

The plan also allows value added services like doctor on chat, healthy tips, discount on various services etc.

The plan exclude coverage on diseases or conditions whose symptoms or signs were diagnosed within 30 days of the policy start date

The plan doesn’t cover expenses of treatment for any self-inflicted injury that occurs as a result of suicide or attempted suicide

Costs that are attributable to overdose or abuse of drugs and alcohol are also excluded from the plan coverage

Pregnancy, childbirth, miscarriage, abortion and such other conditions are also not included under the policy

Treatment against injuries inflicted due to war, strike, riot, use of nuclear weapons etc. are also not included under the care classic plan

Our Verdict on Care Classic

Care Classic is one of the family health insurance plans that caters well to the medical needs of your family. From spouses to children and parents to parents-in-law, the policyholder can cover all these family members in a single policy. With the flexibility of the sum insured option, affordable premiums, and scope of customisation with add-ons, Care Classic makes an ideal health insurance plan for many families.

Care Health Insurance Limited also has a vast network of partner hospitals, 21,000+, and a claim settlement ratio of 92.77%. Care Health Insurance is one of the leading insurance companies. Get the care your family deserves with Care Health Insurance.

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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.

Founded in

2012

Claim Incurred ratio

53.82%

Number of Policies

2,635,587

Turnover (GWP)

Rs 5,141.53 Crore

JV Partners

Religare Enterprises Limited, Union Bank of India, and Corporation Bank.

Claims Experience

Claims Experience Rating 4.7

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

99.99%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.51%

Claims Incurred Ratio

56.19%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

100%

No. of Cashless Hospitals

24800+

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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Ask Anything as We Have Answers to Everything in Insurance

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.