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Care Classic

Care Classic is an okay policy. While it does offer some protection for people considering assisted reproductive procedures, it falls short in other departments. Most notably, it imposes restrictions on the kind of room you can pick. So in many ways, this is build for a very specific audience and isn't very appealing to the general public.

What's good here?

special mention
🎉Special Mention

Coverage for expenses related to assisted reproductive treatments

Think hospitalization expenses incurred while opting for assisted reproductive procedure like IVF, etc. But they’ll only pay up to ₹2 Lakhs and make you wait 3 years before covering this expense. Also, you’ll only get the benefits if both, you and your spouse are enrolled in a single-family floater plan.


You most likely don't have to split the bill

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.

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Pre & Post hospitalization expenses covered

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount in full for a pretty reasonable duration - 60 days before you are hospitalized and 90 days after discharge. This includes the cost of medication by the way.

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Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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Free Health Checkups

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs. Although, it is provided as an add-on but the benefit is added by default.

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You can pick a Single Private room but nothing fancy

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.

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Unlimited Restoration Benefit

Even after you claim part of the cover on one occasion, you will be allowed to claim the full cover any number of times repeatedly if you are hospitalized in the future. All in the same year by the way!!!

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Special Bonus for being healthy and not claiming insurance

Your sum insured increases by 25% each year, so long as you make no claims during this period. But before you get too ahead of yourself, do note that they’ll stop offering you the bonus when your sum insured increases by 150%. Also, the bonus amount will reduce at same rate each time you make a claim. But hey, it's still a bonus.

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Full coverage even if you are forced to hospitalize at home

The insurer will bear the costs even if you are hospitalized at home due to a condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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What's bad here?


Long waiting period for pre-existing diseases

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 only after 4 long years. It could be much shorter you know? Like 2 years perhaps!

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What's okay here?


Has disease wise sub-limits

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.

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Some Cover for Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will pay up to 10% of the cover in case you’re availing these treatments. However, the maximum limit is ₹50,000.

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Instant Cover

This add-on will cut waiting periods to a mere 30 days for the following pre-existing conditions: Hypertension, Diabetes, Hyperlipidemia and Asthma. And if you are currently diagnosed with any of these conditions, it makes sense to opt for this add-on.

Annual Health Check-ups

Insured members get a free annual health check-up at network centres so long as they get medical tests prescribed in the policy. And the insurance company offers this benefit to everyone who buys the policy.

Air Ambulance

With this add-on, the insurance company will provide coverage for Air Ambulance up to ₹5 lakhs.

Co-payment Waiver

With this add-on, the insurance company will increase the premiums and waive off the mandatory 20% co-payment if plan is purchased at the age of 61 years or above.

Care Shield

With this add-on, the insurer will increase your cover in line with inflation every year, your bonus amount will not be affected if the claim is less than 25% of base sum insured in the entire year and you also get extended coverage for generally excluded items like syringes, gloves, PPE kits etc.

OPD Care

With this add-on, you can get coverage for outpatient along with coverage for prescribed diagnostics and pharmacy upto defined limits based on the amount chosen for the OPD coverage.

Protect Plus

WIth this add-on, insurer will provide Global coverage worldwide including USA & Canada for planned hospitalisation only upto the sum insured. But remember, this add-on won't be applicable for NRI/PIO/OCI/Dual Citizenship/Persons employed or students studying abroad.

Frequently Asked Questions

Yes. Care Classic imposes 4 kinds of 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 4-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.
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