Care Classic Plan

Care Classic Plan

Care Classic is a zone-based health insurance plan that provides comprehensive coverage for a premium based on the city of residence. It offers day 1 coverage for listed pre-existing diseases (PED), including diabetes, hypertension, asthma and hyperlipidemia, with the Instant Cover benefit. It also provides disease management programs for listed chronic diseases as well as unlimited e-consultations.

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This Care health insurance policy provides unlimited restoration of the sum insured in case of exhaustion. Moreover, the plan comes with lucrative benefits, such as maternity cover, annual health check-ups, air ambulance cover, OPD cover, assisted reproductive treatments, compassionate travel, home care, etc.

Care Classic Plan: Key Highlights 

Benefits of Care Classic Plan

Here are the key benefits of buying a Care Classic plan:

1. Day 1 Coverage for Listed PEDs

   With the Instant Cover benefit, this health insurance policy covers pre-existing asthma, diabetes, hyperlipidemia and hypertension from day 1 of the policy.

2. Unlimited Automatic Recharge

   Policyholders can refill their coverage amount unlimited times in a policy year for the same and different illnesses in case the base sum insured has been exhausted.

3. Annual Health Check-ups

   The insurance company covers the cost of availing annual health check-ups at any of their network healthcare providers.

4. Unlimited E-Consultations

   This mediclaim policy allows policyholders to avail unlimited teleconsultations with any general physician listed within the network of Care Health Insurance Limited.

5. No Claim Bonus

   Policyholders can earn a No Claim Bonus (NCB) of 25% for every claim-free year for a maximum of 150% of the sum insured.

6. Disease Management Programs

   This Care health insurance policy covers the cost of managing hypertension, asthma, diabetes, and hyperlipidemia, including doctor consultations, diagnostic tests and pharmacy expenses.

7. Value-Added Services

   Care Health Insurance Limited provides various value-added services, including discounts on OPD, diagnostic services, and pharmacy along with doctor on chat, a digital locker for storing medical records and healthy tips reminders. 

8. Tax Benefits

   Health insurance premiums paid to buy a Care Classic plan are tax deductible under Section 80D of the Income Tax Act.

Care Classic Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a Care Classic plan:

Inclusions of Care Classic Plan

Care Classic plan comes with the following inclusions:

• In-patient Care – It covers the cost of a hospital stay of at least 24 hours, including room charges, nursing expenses, ICU charges, doctor’s fees, etc.
• Day Care Treatment – It pays for medical expenses incurred on day care treatments involving hospitalization of less than 24 hours.
• Pre-Hospitalization Medical Expenses – It covers the cost of medical examinations, tests and medications for up to 60 days before getting hospitalized.
• Post-Hospitalization Medical Expenses – It pays for the follow-up doctor consultations, medications and medical tests undergone for up to 90 days after being discharged from the hospital.
• Advance Technology Methods – It covers the cost of technologically advanced modern treatments, including balloon sinuplasty, stem cell therapy, intra vitreal injections, etc.
• AYUSH Treatment – It pays for the in-patient treatment availed at any AYUSH hospital or healthcare facility to obtain treatment via Homeopathy, Ayurveda, Unani, Yoga, Siddha and Naturopathy.
• Domiciliary Hospitalization – It covers the cost of availing medical treatments at home for more than 3 days in case moving to a hospital is not possible.
• Organ Donor Cover – It pays for the medical expenses incurred on the treatment of the organ donor for the organ transplant surgery of the insured.
• Ambulance Cover – It covers the cost of availing road ambulance services to transport the insured to a hospital during a medical emergency or from one hospital to another.
• Second Opinion – It pays for the charges of availing a second medical opinion for listed major illnesses across India once a year per illness. 
• Unlimited E-Consultations – It covers the cost of obtaining unlimited e-consultations from qualified general physicians within the insurer’s network.
• Assisted Reproductive Treatment – It pays for the medical expenses incurred on availing assisted reproductive treatment for sub-fertility once in every 3 years.
• Compassionate Travel – It covers the travel expenses of an immediate family member via air or train in case the insured is hospitalized for a life-threatening condition at least 100 km from their city of residence.

Optional Cover:

• Smart Select – It offers a discount on health insurance premiums if the policyholder promises to obtain treatment only at listed hospitals. Moreover, the insurer will have to bear a 20% co-payment if treatment is obtained at any other hospital.
• Deductible Option – It allows the insured to obtain a premium discount by opting for a voluntary deductible.
• Co-payment Waiver – It waives off the mandatory co-payment of 20% for people aged 61 years and above.
• Room Rent and ICU Modification – It upgrades the room rent limit to a single private AC room, and ICU charges up to the sum insured limit. 
• OPD Care – It pays for the outpatient expenses incurred on availing doctor consultations and diagnostic tests.
• International Second Opinion – It covers the cost of availing a second medical opinion from any doctor/specialist outside India.
• Additional Sum Insured for Accidental Hospitalization – It provides an additional sum insured amount in case the insured is hospitalized due to an accidental emergency.
• Sub-Limit on Specified Diseases – It enables the insured to avail a discount on premium by opting for sub-limits for specified diseases, including cancer treatment, total knee replacement, etc.
• Home Care – It covers the cost of hiring a qualified nurse for the necessary medical care and convenience of the insured at home.
• Instant Cover – It waives off the waiting period for pre-existing diabetes, hyperlipidemia, asthma and hypertension.
• Disease Management Programs – It pays for the cost of doctor consultations, pharmacy and diagnostic tests incurred in managing asthma, hypertension, diabetes and hyperlipidemia.
• Waiver of Sub-limits on Cataract & Advance Technology Methods Treatments – It waives off the sub-limits applicable to cataract treatments and advance technology method treatments.
• Air Ambulance Cover – It covers the cost of availing air ambulance service to transport the insured to a hospital during an emergency or from one hospital to another.
• Maternity and Newborn Baby Cover – It pays for the hospitalization expenses incurred during childbirth and on the treatment of the newborn baby.
• Annual Health Check-ups – It covers the cost of obtaining preventive health check-ups at any network provider of the insurer once a year.
• Reduction in PED Wait Period – It reduces the pre-existing diseases (PED) waiting period from 3 years to 2 years.

Exclusions of Care Classic Plan

The following expenses are excluded from the Care Classic plan:

• Dental treatments
• Non-medical expenses
• Obesity/weight-control procedures
• Cosmetic or plastic surgery
• Injuries due to participation in adventure or hazardous sports
• Treatment for alcoholism or drug abuse
• Dietary supplements and substances
• Unproven treatments
• Self-inflicted injuries

Care Classic Plan Waiting Periods

Check out the various waiting periods applicable to the Care Classic plan:

Care Classic Plan: FAQs