About Care Classic
Explore our Care Classic Plans: nationwide coverage, affordable premiums, and benefits like assisted reproductive treatment, OPD-cover, and travel cost coverage for family members during critical treatment away from home.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 5, 7, 10, 15 Lacs |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 50% of SI per year, max up to 100% of SI; Shall not reduce in case of claim |
| Initial Waiting Period | 30 Days |
| Advance Technology Methods | Up to Sum Insured |
| Instant Cover | For Hypertension or Diabetes or Hyperlipidemia or Asthma post initial wait period of 30 days |
| Unlimited E-Consultations | Available for Consultations with General Physicians |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: 18 Years; Child: 91 Days |
| Maximum Entry Age |
Adult: 65 Years; Child: 24 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type | Only Family Floater Allowed |
| Who are covered | Self, Legally Married Spouse, Son, Daughter, Father, Mother, Mother-In-Law, Father-In-Law |
Features & Benefits of Care Classic Plan:
The Care Classic Health Plan offers a comprehensive range of features designed to provide extensive coverage for all your healthcare needs. Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 4 years from the policy start date
Room Rent Limit
Single Private AC Room
ICU Charges
Covered up to Sum Insured
Cumulative Bonus
25% of Sum Insured per year, max up to 150% of SI
Organ Donor
Covered up to 10% of Sum Insured
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Treatment taken at home and exceeding 3 days, covered up to Sum Insured
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Restoration Benefit
Sum Insured unlimited times a year
Co-Pay
Full claim paid by insurer
AYUSH Treatment
Covered up to 10 % of Sum Insured and max Rs. 50,000 per year
Compassionate Travel
Up to Rs.5,000 per policy Year for SI>=5 Lacs
Tax Benefits
Avail of tax benefits under Section 80D of the Income Tax Act
Unlimited E-Consultations
Available for Consultations with General Physicians
Exclusion of Care Classic Plan:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Care Classic Plan:
Maternity Waiting Period
Not Covered
Maternity Benefits Limit
Not Covered
Daily Hospitalization Allowance
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Add-ons To Cover Your Specific Needs:
Enhance your Care Classic insurance policy with our optional add-on covers to optimize your benefits and tailor your coverage to meet specific healthcare needs.
Air Ambulance Cover
It covers the cost of availing air ambulance services for up to a maximum of Rs 5 lakh.
Care Shield
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield
Annual Health Check up
It offers the insured with the facility of free health check-ups once every year.
Co-Payment Waiver
It ensures that policyholders above 60 years do not have to pay any co-payment while raising a claim.
OPD Care
The Mandatory Co-payment of 20% on Claims applicable of Insured Person whose age is 61 Years or above shall be waived off.
Protect Plus WW Option
Now you can access quality healthcare services worldwide with the add-on benefit of Protect Plus, provided the illness/disease/injury is diagnosed in India.
Add-ons are pre-included in the plan
Plan Resources Download
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