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Introduction

Before we start comparing these two policies we have to set out some ground rules.

For starters, both policies, Care Classic and Care Plus Complete are marketed by the same insurance company. So in some ways, a lot of the differences within the product will be limited to the features themselves.

Second, we know that both products have massive differences in their core structure. Care Classic is specifically designed for Reproductive Procedures. However, Care Plus Complete is quite comprehensive. It offers considerable protection and it doesn’t impose as many restrictions. So in many ways, you’re comparing apples and oranges here.

And finally, any comparison is ultimately futile without considering the use case. Who are you buying this policy for? You, your family, your parents?

That’s something you’ll need to answer before using this guide. So with that introduction out of the way, we can get to comparing the actual policies themselves.

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Insurance Parameters

Recommended
Not Recommended
Network hospitals
16,000+
16,000+
Claim settlement ratio

(avg. of last 3 years)

90%
90%
Co-payment

20%

(if purchased after turning 61)

No

Room rent

Single Private room

Single Private room

Disease sub-limit

Yes

No

Pre existing diseases waiting

4 years

3 years

Pre/Post hospitalization

60/90 days

60/90 days

No claim bonus

25% per year

(up to 150%)

50% per year

(up to 200%)

Domiciliary
Ayush treatments
Restoration benefit

100% restoration

(unlimited no. of times

for any illness)

100% restoration

(unlimited no. of times

for any illness)

Health check-up
Once every year
Maternity

Available

(Assisted Reproductive treatments covered after 3 years)

Out Patient Department

Up to ₹1,500

(cap of ₹350 on each consultation)

Day care

Feature Comparison

coPay

Co payment

With a co-payment clause, the insurer will mandate that you pay a part of the bill. So if the bill adds up to Rs. 2,00,000 and the co-payment is set at 20% then you could be asked to pay Rs. 40,000 from the bill. In this case, however, Care Classic requires you to co-pay a part of the bill 20% if you purchase after turning 61 whereas Care Plus Complete doesn’t impose a co-payment clause

roomRent

Room rent

If the policy does impose room rent restrictions then the insurer may only let you stay in a room of a certain specification or impose a cap on the total room rent. If you were to breach either criterion then the insurance company may ask you to pay a portion of all the expenses you incurred while staying in the room. In this case, however, Care Classic lets you stay in a single private room and Care Plus Complete also lets you stay in a single private room. Nothing fancy.

diseaseSublimit

Sub limits

Some policies will tell you that they will cover all medical expenses up until the sum insured, but then impose caps on the total costs you can incur while dealing with a very specific list of diseases. We call these caps “Disease Wise Sub Limits.” In this case, Care Classic imposes disease-wise sub-limits on Cataract, Modern treatments whereas Care Plus Complete doesn’t impose a disease wise sub-limit.

ped

Waiting periods for pre-existing diseases

If you’re suffering from a lifestyle condition or if you’ve had surgery in the past, or if you’re dealing with an acute or chronic illness at the time of buying the policy, then the insurer may classify this as a pre-existing disease. And they may tell you that they will only cover these illnesses after some time. In this case, Care Classic imposes a waiting period of 4 years on pre-existing diseases while Care Plus Complete extends a waiting period of 3 years on existing conditions.

prePost

Pre and post Hospitalization expenses

Most people aren’t hospitalized right off the bat. Instead, they’ll have to go through a whole series of diagnostic tests before hospitalization and take medication post-discharge. These costs are outlined as pre-hospitalization expenses and post-hospitalization expenses respectively. In this case, Care Classic covers expenses incurred 60 days before hospitalization and expenses incurred 90 days post-hospitalization. Meanwhile, Care Plus Complete covers expenses incurred 60 days before hospitalization and expenses incurred 90 after hospitalization, although there may be different sub-limits

ncb

No claim bonus

Some policies will tell you that they will incentivize you for not making a claim in any given year. And they offer such incentives by offering extra cover on top of the existing sum insured. This extra cover is categorized as a no-claim bonus. In this case, however, Care Classic offers a no-claim bonus of 25% whereas Care Plus Complete offers a no-claim bonus of 50%. And the no-claim bonus may be capped at different levels too.

domiciliary

Domiciliary

Imagine you are forced to treat yourself at home because you don’t find a hospital bed, or you have a chronic condition that prevents you from visiting one, then, insurers may choose to cover your treatment even if you’re hospitalized at home. And such costs are collectively categorized as domiciliary treatment costs. In this case, however, Care Classic offers domiciliary cover. And Care Plus Complete also coves domiciliary expenses.

ayush

Ayush treatments

Most policies only cover treatments administered in a registered medical facility. However, on some occasions, you may want to pursue alternative treatments including homoeopathy, Ayurveda, Unani and Siddha. These treatments are collectively categorized as Ayush treatments. And in this case, Care Classic covers Ayush procedures and Care Plus Complete also extends coverage for Ayush treatments.

maternity

Maternity benefits

If you’re hospitalized during childbirth, then you may have to incur significant costs during delivery of your newborn, child care and other related matters during the course of the hospitalization. These costs are collectively termed maternity costs. And in this case, however, Care Classic offers maternity cover whereas Care Plus Complete doesn’t offer protection for maternity-related hospitalizations.

opd

Out Patient Department (OPD)

Doctor visits and regular consultations aren’t usually covered by health insurance policies. They are categorized as Outpatient consultations (or OPD treatments) and patients have to bear the cost on their own. In this case, however, Care Classic doesn’t offer OPD protection whereas Care Plus Complete offers OPD cover.

Final Conclusion

Since this isn’t a fair comparison, to begin with, we will only tell you this much. If you want something that’s comprehensive, you could go for Care Plus Complete. However, if you are specifically looking to buy a policy for Reproductive Procedures, then you may want to consider Care Classic.

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