Overview
The Care Classic plan is a family floater health insurance policy designed for joint families and married couples. It offers sum insured options of ₹5 lakhs, ₹7 lakhs, ₹10 lakhs, and ₹15 lakhs. The plan covers daycare treatments, assisted reproductive treatments, pre- & post-hospitalization (60-90 days respectively), AYUSH treatments (up to SI), and unlimited e-consultations. It also includes a no-claim bonus of 25% up to 150% (in case of no claims made), automatic restoration of the sum insured, and organ donor cover (up to 10% of SI).
Experts Review
Written by Nikhil Nair
Senior Writer
The Care Classic plan is a versatile health insurance option that provides robust coverage for families across India. Its standout feature is the unlimited automatic restoration of the sum insured, ensuring continuous protection for multiple claims within the same policy year. Coverage for IVF treatments and AYUSH therapies adds value for families seeking specialized care, while annual health check-ups (as an add-on) and e-consultations promote preventive healthcare.
However, the plan has certain limitations. The mandatory 20% co-payment clause (if the plan is purchased after 60) increases out-of-pocket expenses during claims, which may deter some buyers. Room rent restrictions (Up to 1% of SI/day (SI < 5L) & Single Private A/C Room (SI ≥ 5Lac))limit flexibility in hospitalization choices, and disease-specific sub-limits on cataract surgery and organ donor expenses may not fully cover high-cost procedures. Additionally, premiums are higher for residents of metro cities due to zone-based pricing.
Pros
Feature set is satisfactory.
Insurer has a solid track record with great claim and service metrics.
Cons
Doctor consultations are not covered, which is a notable gap. Need to opt add-on for doctor consultations.
Care
Key Insights
Founded
2012
Care was established 13 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
90% claims settled in 30 Days
Care settles 90% of all claims it receives. This is reasonable performance, though there is room for improvement compared to top insurers.
Network Hospitals
11,400+
Care has a strong network with over 11,400 hospitals, ensuring wide accessibility and convenience for policyholders.
Complaints
36 complaints per 10,000 claims registered
Care has a relatively high volume of complaints, which may point to ongoing issues in customer service or claim handling.
Features
All
Great
Good
Maternity
STANDOUT
The insurer will also cover expenses related to maternity — Think hospitalization expenses incurred while giving birth Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.
Co-payment
If you bought this policy after you turned 61, you have to pay 20% of the bill every time you make a claim. Otherwise, you are good to go. The insurer will pay all costs up to the sum insured.
Customisable
Waives off 20% of the co-payment if purchased at the age of 61 years or above.
Room Rent
You can share a room or you could have a single room for yourself. But if you are looking for anything slightly fancy, be ready to foot a part of the bill.
Disease sub-limit
Your insurance cover won’t be fully available in case you are treated for Cataract, Modern treatments and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Pre existing diseases waiting
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after you wait for 3 years.
Customisable
For Hypertension, Diabetes, cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Add-ons
Protect Plus
Mandatory
Insurer will provide Global coverage worldwide including USA & Canada for planned hospitalisation only upto the sum insured.
Instant Cover
Recommended
For Hypertension, Diabetes, cholesterol and Asthma: Pre existing disease waiting period is reduced from 3 years to 30 days.
Care Shield
Recommended
Cover increases in line with inflation, consumables covered, and No Claim Bonus is protected.
Co-Payment Waiver
Recommended
Waives off 20% of the co-payment if purchased at the age of 61 years or above.
Annual Health Checkup
Annual health check-up for specified tests, with a maximum limit up to the sum insured on a cashless or reimbursement basis.
OPD Care
Get coverage for consultations, prescribed diagnostic and pharmacy between Rs. 3,000 to Rs. 10,000
Air Ambulance
With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs per policy year.
Permanent Exclusions
Conditions or treatments that the policy clearly says it will not cover.
Mental retardness
Hormone replacement therapy
Expenses related to any kind of RMO charges, Service charge, Surcharge, night charges levied by the hospital under whatever head.
Remicade, Avastin or similar injectable treatment which is undergone other than as a part of In-Patient Care Hospitalisation or Day Care Hospitalisation is excluded.
Impairment of an Insured Person's intellectual faculties by abuse of stimulants or depressants unless prescribed by a medical practitioner.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Specific Illness
The following illnesses are not covered under the policy for 2 years.
Arthritis (if non-infective), including:
Osteoarthritis
Osteoporosis
Gout
Rheumatism
Waiting Period
30 days Initial waiting period
2 years Specific illness waiting period
3 years Pre-existing disease waiting periodCustomisable
Ditto's Take
◦ Excellent ◦
Waiting periods on this policy are excellent. This policy also further allows to reduce the PED waiting period to 30 days for certain diseases.
What's missing in the policy
Doctor consultations are not covered. Need to opt add-on for doctor consultations.
Customer Reviews
A
Advik Choudhary
Zone-based family floater hai, toh smaller towns walo ke liye premium kam ho sakta hai.
A
Ananya Dubey
Unlimited automatic restoration of sum insured, multiple claims ke liye best!
L
Laksh Sharma
IVF treatments covered hain, families ke liye yeh bahut accha feature hai.
I
Ishanvi Goel
Organ donor expenses aur cataract surgery pe sub-limits hain.
A
Aanya Reddy
Age 61 ke upar Mandatory 20% co-payment hai, har claim pe lagega. Thoda disappointing.
P
Pari Verma
Pre aur post coverage 60 & 90 days hai jisse extra support milta hai.
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Frequently Asked Questions
Does Care Classic have waiting periods?
- 30-Day Waiting Period: Hospitalizations won ’t be covered for the first 30 days of the policy unless it’s an accident.
- Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
- Pre-Existing Disease Waiting Period: There's a 3-year waiting period for any pre-existing disease you may have while buying the policy.
- Assisted Reproductive Treatment Waiting Period: There’s a 3-year waiting period for Assisted Reproductive Treatment if you are buying the policy.
Does Care Classic have room rent restrictions?
Does Care Classic offer a restoration benefit?
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