Care Classic Health Insurance

In today’s uncertain times, a health emergency can knock on your door anytime. To stay protected against such a situation, having a health insurance plan is an absolute must. Many health insurance companies including Care Health Insurance now offer health insurance plans. Care Classic is a popular plan the company offers, it is a zonal-based health insurance plan. So let’s explain this plan in detail.

Care Classic Health Insurance Plan at a glance

Highlights of Care Classic by Care Health Insurance Plan are mentioned in the below table:

Coverage	Available on floater basis
Riders	Care Shield, Air Ambulance Cover, Co-pay Waiver, OPD care
Variants	N/A
Key features	Indemnity-based plan, Sum insured (Rs, 5 lakhs - Rs. 15 lakhs), Compassionate Travel benefit
Inclusion	Room rent, Pre and post hospitalisation, Organ donor expenses, AYUSH treatment, No claim bonus cover
Exclusion	War-related injuries Cosmetic or plastic surgery Any injury due to miscarriage Abortion Treatment due to sex change

Key Features of Care Classic Health Insurance Plan

Some of the key features of Care Classic Health insurance plan:

• Indemnity-based Plan: It is an indemnity-based plan and is thus different from other health insurance plans. Under this plan, the premium is calculated based on city, age, pre-existing ailment, and more. Typically, the health insurance premium will be higher for metro cities like Delhi as compared to tier-2 or 3 cities. There are three different zones on which the premium is calculated. Zone 1 includes Mumbai, Delhi, Thane, Ahmedabad, Baroda, and Surat. Zone 2 on the other hand comprises Bangalore, Pune, Nasik, rest of Gujrat, and Zone 3 includes the rest of India.
• Sum Insured: The Care Classic Health Insurance plan offers the option to choose a flexible sum insured ranging between Rs. 5 lakhs to Rs. 15 lakhs.
• Compassionate Travel Benefit: If the insured gets hospitalized due to any critical illness, then financial assistance is provided to cover travel expenses for the insured’s dependant.

Eligibility Criteria of Care Classic Health Insurance Plan

The eligibility criteria for the Care Classic Health Insurance Plan are as follows:

Parameters	Eligibility Criteria
Minimum entry age	91 days
Maximum entry age for a child	24 years
Maximum entry age for adults	60 years
Maximum exit age for a child	25 years
Maximum exit age for adults	Lifelong
Policy tenure	1, 2, or 3 years
Cover type	Only family floaters allowed

Benefits of Care Classic Health Insurance Plan

Listed below are the benefits of the Care Classic Health Insurance Plan:

• Sum Insured: When buying the Care Classic health insurance, you can choose a flexible sum insured. You can choose a sum insured between Rs. 5 lakhs, Rs. 7 lakhs, Rs. 10 lakhs, and Rs. 15 lakhs. So, depending on your budget, you can choose a sum insured as per your needs.

• Add-on Benefits: The Care Classic Health Insurance plan provides a bunch of other benefits like OPD cover, diagnosis, and consultations, at very affordable rates.

• Day Care Procedures: The expenses incurred towards any of the daycare procedures are covered under the Care Classic Health Insurance plan.

• Recharge of Sum Insured: With the Care Classic Health Insurance plan, the sum insured gets automatically recharged. This means that if the sum insured has been exhausted due to any health insurance claim settlement, then the sum insured will automatically get recharged.

• Unlimited e-consultation: With the Care Classic Health insurance plan, you will also get unlimited e-consultation. Thus, if you have any health problem, then you can easily contact a medical practitioner and seek treatment.

• AYUSH Treatment: The Care Classic Health Insurance Plan provides coverage for AYUSH treatment - Ayurveda, Yoga and Naturopathy, Siddha, Unani, and Homeopathy. The AYUSH treatment is up to 10% of the sum insured, which is a maximum of up to Rs. 50,000.

• Compassionate Travel: If you are admitted for the treatment of any life-threatening disease and require the assistance of a family member, then the cost of travel will be covered under the Care Classic health insurance plan.

Inclusions and Exclusions of Care Classic Health Insurance Plan

Inclusion:

• Room Rent: Coverage expenses for single private and AC room

• In-patient Care: Coverage for in-patient care is provided up to the sum insured

• Day-care Treatment: Coverage is offered for all daycare procedures

• Pre-hospitalisation Expenses: Up to 60 days

• Post-hospitalisation Expenses: Up to 180 days

• AYUSH treatment: Up to 10% of SI, max Rs. 50,000/year

• Organ Donor Cover: Up to 10% SI

• Ambulance Cover: Up to Rs. 1000 per year

• Annual health check-up: Once a year for all insured members
• No Claim Bonus: 25% of SI for every claim-free year, max 150% of SI

Exclusion:

• War-related injuries
• Cosmetic or plastic surgery
• Any injury due to suicide
• Any injury due to miscarriage
• Abortion
• Treatment arising due to childbirth
• Hospitalisation after the consumption of alcohol or drugs
• Treatment due to sex change
• Any injury due to involvement in sports or adventurous activities

Riders Available with Care Classic Health Insurance Plans

Some of the add-ons that you can include in your Care Classic Health Insurance Plan:

• Care Shield: The Care Shield add-on provides coverage for 68 non-payable or non-consumable items such as gloves, masks, attendant charges, and others. Under the Care Shiled, you get the benefit of Care Shield, NCB Shield, and Inflation Shield.

• Air Ambulance Cover: It provides coverage for transportation of the insured from one hospital to another to seek better treatment.

• Co-pay Waiver: With this add-on, get your co-payment waived after you have completed 61 years.

• OPD Care: The OPD Care add-on provides the option to choose coverage for outpatient consultation of up to Rs. 10,000. The coverage offered is for doctor consultations and prescribed diagnostics.

Documents Required to Buy Care Classic Health Insurance

The essential documents required to buy Care Classic Health Insurance are as follows:

• A duly-filled application form
• Aadhaar card
• PAN card
• Income proof
• Medical reports
• Pre-existing medical condition proof
• Copy of previous health insurance company
• Bank passbook

How to Buy Care Classic Health Insurance?

Listed below are the steps you need to follow Care Classic Health Insurance plan:

• Visit the “Health Insurance” section on the official InsuranceDekho website.
• Choose "Care Health Insurance" from the list of health insurance companies.
• Then, select "Classic" from the available health insurance plans.
• Read the policy documents carefully
• Upload all the necessary documents to complete the KYC process
• After finishing the KYC process, pay the premium online
• Finally, you will receive the policy document in your registered email

Claim Process of Care Classic Health Insurance

Along with your Care Classic Health Insurance, you can raise two types of claims, reimbursement and cashless claims. Under cashless claims, you don’t need to spend anything from your pocket, as all the medical expenses will be directly settled by the insurance company. On the other hand, in reimbursement claims, the policyholder first needs to spend medical expenses from their pocket which will be later reimbursed by the insurance company.

Cashless Claims

• Care Health Insurance has tie-ups with over 22,900 network hospitals, so locate a nearby network hospital
• Fill out the pre-proposal form at the network hospital
• Submit the claim request at the Care Classic health insurance form
• Then, all the documents will be sent to the insurance company for verification
• Once, everything is verified, the insurance company will directly settle your claim request

Reimbursement Claim

• First, locate a nearby hospital
• Next, raise a claim request and submit all the documents to the insurance company
• Then, the insurance company will verify all the documents
• Finally, when the insurance company approves, the claim request will be reimbursed.