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 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.8

Customer Rating

Brochure

Policy Wording

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.8

Customer Rating

Brochure

Policy Wording

Our Verdict

Expert Review: Care Health Insurance

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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 Health Insurance

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...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Advanced Treatments

Deep brain stimulationOral chemotherapyUterine artery embolisationHIFURobotic 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 monthsPre-existing disease waiting period for 2 years30 day waiting period

Cashless Healthcare Providers

24800+ network hospitals

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 stimulationOral chemotherapyUterine artery embolisationHIFURobotic 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 monthsPre-existing disease waiting period for 2 years30 day waiting period

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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.
Domiciliary hospitalization (home treatment due to lack of hospital beds) is not covered.
Non-allopathic treatments, except AYUSH treatments specified in the policy, are excluded.
Experimental, unproven, or investigational treatments not approved by medical authorities are not covered.

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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...