Care Classic Health Insurance

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

• Private Single AC Room
• Twin Sharing
• General Ward

Coverage status under Care Classic Plan?

Under this plan, a policyholder can get coverage for a Private Single AC room.

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Classic Plan?

Under this plan, ICU charges are covered up to your selected Sum Insured.

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Classic Plan?

This plan covers medical expenses of up to 60 days before your hospitalization.

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Classic Plan?

This plan covers medical expenses of up to 90 days after you get discharged from the hospital.

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Care Classic Plan?

Under this plan, the domiciliary hospitalization that exceeds 3 days is covered up to your selected Sum Insured.

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Classic Plan?

This plan covers all day care procedures.

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Care Classic Plan?

This plan covers OPD charges as an add-on benefit. You can avail of this benefit by adding an OPD Benefit rider along with this policy at an additional cost.

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Care Classic Plan?

COVID-19 treatment cover is available under this plan.

A common eye condition in which your vision gets blurred.

Coverage status under Care Classic Plan?

This plan offers coverage for Cataract treatment as per the selected Sum Insured amount.

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Classic Plan?

This plan offers a 25% increment in the sum insured for every claim-free year. This increment can go up to a maximum of 150% of SI per policy.

In case of a claim: The no-claim bonus will be decreased by the same rate of increment.

Automatic restoration is a benefit in which the insurance company restores the total sum insured after it gets fully exhausted in treatments.

Coverage status under Care Classic Plan?

An unlimited automatic restoration of your selected SI is available under this plan. However, it is not applicable in case of hospitalization due to advanced treatment methods.

It is a cash amount that you will get each day during the time of hospitalization.

Coverage status under Care Classic Plan?

Daily hospital cash is not available under this plan.

Your health plan will cover the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Classic Plan?

The plan provides coverage for organ donor expenses up to 10% of your selected Sum Insured amount.

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Classic Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

• Congenital anomaly (conditions since birth)
• Acute condition
• Chronic condition
• Pre-mature delivery
• Birth asphyxia
• Day care treatment

Coverage status under Care Classic Plan?

Newborn baby expenses are not covered under this plan.

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Classic Plan?

This plan covers AYUSH treatment expenses up to 10% of your selected SI amount. It is covered a maximum of up to 50K in a policy year.

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

• Full infertility
• No fertility
• Infertility diagnosis
• Infertility diagnosis and limited fertility treatment
• Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Classic Plan?

The plan offers coverage of up to 2 Lakhs for Sum Insured more than 5 Lakhs after the waiting period of 3 years.

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Classic Plan?

This plan covers a wide range of modern treatments with certain sub limits as mentioned in the table below:

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Classic Plan?

This plan covers Ambulance charges of up to 1K per policy year.

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Classic Plan?

Not available

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Classic Plan?

The policy covers compassionate travel expenses of up to 5K per policy year.

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Classic Plan?

Not available

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Classic Plan?

This plan offers unlimited e-consultation with general physicians.

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Classic Plan?

The policy allows health check-ups for all insured members once a year.

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company's network of medical practitioners.

Coverage status under Care Classic Plan?

Every insured member under this policy can avail of a second medical opinion only for major illness/injury once in a policy year.

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Classic Plan?

Not available