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Care Group Health Insurance
Care Health provides Group Health Insurance, Group Personal Accident Insurance, and Group Travel Insurance. Care Health Insurance has offer…
- 11000+ corporate policies
- 25000+ locations covered
- 92.77% claim ratio
Care Health Insurance
Care Classic
Care Classic is a zone-based family health insurance plan ideal for jo ...Read More
Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement
About Care Classic
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
Care Classic health insurance is a family floater health plan ideal for married couples, joint families, and 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 and health tips.
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
- Daycare treatment
- Advanced technology methods
- ICU charges
Cons
- Global coverage
- Air ambulance
- Vaccination
- Daily hospital cash
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
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 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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent diseases or health conditions 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
- Certain diseases and treatments are covered under this plan after a certain time period:
- Listed ailments after 24 Months
- Pre-existing diseases after 48 Months
- Assisted Reproductive Treatment after 36 Months
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
Other features & benefits
- AYUSH treatment
- IVF treatment
- Cataract
- No claim bonus
Care Classic Plan: FAQs
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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