Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D
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1800-102-4499
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Get Covid-19 Hospitalization Coverage Also Save Tax U/S 80D
Buy Policy :
1800-102-4499
We thank you for your interest in Care Health Insurance. Our expert will call you soon to assist you
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We thank you for your interest in Care Health Insurance (formerly known as Religare Health Insurance Company Limited). Our expert will call you soon to assist you.
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(Premium includes 18% GST)
Base Cover
Additional Covers
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KEY BENEFITS
ADDITIONAL COVERS
No Claim Bonus
25% Increase in SI for each Claim free Year. Max increase up to 150%. No claim bonus will reduce on renewal if a claim made
Unlimited Automatic Recharge
Unlimited recharge of SI in a Policy Year. Unlimited amount can be utilised for hospitalisation related to the same illness. In case the Recharge is to be used for related illness, there has to be a GAP of 45 Days between the date of discharge of one hospitalisation and date of re-admission in the second hospitalisation
Unlimited e-consultation with General Physician
Insured members can avail unlimited consultation from General Physician. This service is available from Customer Mobile Application after registration on the APP
Assisted Re-productive surgery
We will cover the cost of expenses incurred on IVF. The first claim can be made after 3 Years of the date of Issuance. After a waiting period of 3 Years, a customer can claim once in 3 Years.
Instant Cover
Claim can made for hospitalization related to Diabetes, Hypertension, Hyperlipidemia & Asthma after initial wait period of 30 Days
OPD Care
We cover doctor consultation and prescribed medical tests which may not require admission or hospitalization.
Co-payment Waiver
If the age of the insured member or eldest insured member is 61 years or above, by opting for this add-on, you can get rid of the 20% co-payment worry. We will pay medical expenses incurred for hospitalization subject to policy terms and conditions.
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All Premium Options
(Sum insured opted ₹ )
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| Insured Member(s) | Family Floater Policy
Coverage opted on family floater basis with overall sum insured (Only one sum insured is available the entire family)
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Multi-Individual Policy
Coverage opted on individual basis covering multiple members of the family under a single policy (Sum insured is available for each member of the family)
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Individual Policy
Coverage opted on individual basis covering each member of the family separately (at a single point in time)
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|---|---|---|---|---|---|---|---|---|
| Age | Premium (All members) |
Floater discount, If any |
Premium after discount |
Premium | Discount, If any |
Premium after discount |
Premium | |
| Total premium when policy is opted on floater basis is ₹ | Total premium for all members of the family is ₹ | Total premium for all members of the family is ₹ | ||||||
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For Individual & Multi-Individual policy kindly contact our expert on 1800-102-4499 |
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Note: Premium rates shall be inclusive of GST.
Cover Highlights
AMBULANCE COVER
ANNUAL HEALTH CHECK-UP
PRE & POST HOSPITALIZATION
EXPENSES
RECHARGE OF SUM INSURED
DOMICILIARY HOSPITALIZATION
| KEY FEATURES | ₹5L / 7L / 10L / 15L |
|---|---|
| Room Rent
When the insured person is admitted in a hospital, the charges for the room category opted or room rent incurred is paid by company as per the eligible room category/ room rent specified in the policy.
|
Single Private A/C Room |
| ICU Charges
Covers the amount charged by a hospital towards ICU expenses which shall include the expenses for ICU bed, general medical support services provided to any ICU patient including monitoring devices, critical care nursing and visit charges as per the policy coverage.
|
No limit |
| In-Patient Care
Hospitalization for at least 24 hours- we pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.
|
Upto SI |
| Day Care Treatment
We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
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All Day Care Procedures |
| Pre-Hospitalization Medical Expenses
We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 60 days before your hospitalization.
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Upto 60 days |
| Post-Hospitalization Medical Expenses
We cover the relevant medical expenses such as doctor consultation, diagnostic tests, medications etc. incurred up to 90 days post your hospitalization.
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Up to 90 days |
| AYUSH Treatment
Expenses incurred on admission in AYUSH hospital for more than 24 Hours is covered in policy. AYUSH means treatment using Ayurveda, Unani, Siddha and/or Homeopathy.
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up to 10% of SI; Max Rs.50,000/years |
| Domiciliary Hospitalization
We will indemnify for the medical expenses incurred by you during your treatment at home.
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Up to SI if hospitalization exceeds 3 days,
AYUSH Treatment is part of Domiciliary Hospitalisation SI |
| Organ Donor Cover
Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
|
Up to 10% SI |
| Ambulance Cover
In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
|
Up to Rs.1,000 per policy year |
| Second Opinion
If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
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Once per policy year for each insured person covering only major illness/injury. |
| Annual Health Check-up
We support your initiative of remaining healthy by providing you access to one health check-up every year. We have preselected medical test that can be helpful in your wellbeing. You can book medical test through our mobile application and you will not be required to pay for the pre-selected test at lab.
|
Once a year for all Insured Members. |
| No Claims Bonus
25% Increase is SI for every claim free year upto 150% of SI under the policy. In case of a claim, the NCB accrued will
be reduced by same rate.
|
25% of SI for every claim free year,
Max 150% of SI, |
| Unlimited Automatic Recharge
In case your sum insured is used up due to an accident or illness, or simply because your entire family was hospitalized. In such cases, we give you the benefit to add an amount equal to sum insured at any point in your policy period.
|
unlimited times in a Policy Year
Not applicable on Advanced Technology Methods |
| Unlimited E-Consultations
Connect with a doctor for an advice related to your health at your convenient time. this can be availed through our customer mobile application.
|
Consultations with General Physicians |
| Assisted Reproductive Treatment
We cover IVF treatment so that family never misses joy of parenting.
|
Available with SI>5 Lakh
Once in every block of 3 years Up to 2 Lac per policy year |
| Compassionate Travel
We cover the cost of travel ( by Air/Train) of an immediate family member in case you are admitted for treatment under life threatening medical condition far away from your city of residence.
|
Up to Rs.5,000 per policy year |
| Other Value Added Services |
Health Portal- Doctor on chat, Healthy tips reminder, etc.
Discount Connect – Discounts on services on our network. |
Care Classic Complete Plan Details
OPD Benefit
We cover doctor consultation and prescribed medical tests which may not require admission or hospitalization.
See DetailsAnnual Health Check-up
We care for your wellbeing. Hence we allow One Health Check-up every year for insured members.
See DetailsInstant Cover
Instant coverage available for Diabetes, Hypertension, Hyperlipidemia & Asthma.
See Details19000+ health care providers serve cashless medical services across the globe
Look for hospitals around you
To locate hospitals around you,
ENTER YOUR CITY
Keshav Pal Singh
Recently, I have taken a policy for my mother. Hassle free insurance buying process. Highly Recommend Care Do keeps up the good work.
Rukhsar Khan
I would like to appreciate your service, support and guidance to settle claim on time.
Arun Sharma
Mr Promod was very helpful in explaining product features & claim settlement process. Keep it up!
Krishna Verma
Thank you for helping me in bad situation when my dad was hospitalized. Buying Senior Citizen Health Plan was the wiser decision I have taken.
Radhika Gaur
Care Health Insurance was awesome, helped me a lot like family with hospitalization formalities of my dad when I was very tense due to his sudden illness. Really appreciate!
My appreciation for your prompt service
Ankita Sharma
Health Insurance
We will continue to avail of your scheme
Indubala Nambiar
Health Insurance
Everything went very smooth
Vikas Singh
Health Insurance
Really helpful explaining the process in advance
Sahil Khattar
Health Insurance
Finalising my claim in a short period
Aditya Sharma
Health Insurance
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Awarded as Claims Leader of the year
30 Lakh + Claims Settled^^
Cashless claim processing in approx. 2 hours
^^number of claims settled as on February, 2022
India is a diverse nation, where everything from people's lifestyles to living conditions is different across cities and states. Also, there's a significant difference between a metro city's health infrastructure and facilities compared to a smaller town. For instance, the same basic medical treatment costs less in Patna but becomes unbearably high in the Delhi NCR region.
At Care Health Insurance, we understand that families living in different Indian cities have access to different healthcare facilities. That is why we introduce Care Classic—the most comprehensive zone-based health insurance for families residing across various cities of India. Since hospitalization expenses in smaller towns are lower than in the metros, that is why with our city-based health insurance policy, we ensure that our customers avail the right health insurance coverage at an affordable premium irrespective of their city zones.
Our zone-based health cover helps families stay protected with budget-friendly medical insurance no matter where they live or where they avail of healthcare treatment. So, choose Care Classic's zone-based pricing provision to save more on your health insurance policy while expanding your coverage across India.
Care Classic is the latest addition to the wide range of health insurance covers offered by CHIL. Under Care Classic, families residing in different Indian cities can avail suitable medical insurance by paying an affordable, zone-based premium without compromising healthcare services.
Your age, gender, and pre-existing diseases are some of the factors that determine your health insurance premium. But, do you know that the city you reside in also plays a vital role while calculating a premium? While healthcare expenses are lower in smaller towns, high-end infrastructure and modern facilities cause the treatment costs to shoot through the roof in metro cities. Greater the medical facilities in your town, higher the cost of treatment. That's why health insurance premium in metro cities is higher in comparison with outlying districts.
Therefore, CHIL is offering Care Classic to provide comprehensive coverage to Indian citizens irrespective of their cities. It is unique zone-based health insurance where policyholders pay the premium according to their city zones, without bearing the high treatment cost of urban areas. This way, insured members from smaller towns can save up to 30% on premium amounts compared to metropolitan centers.
Moreover, under Care Classic's zone-based health cover, insured family members can freely access medical treatment anywhere in India, irrespective of the city zone where the policy is purchased.
For this plan, we have divided cities into three given zones:
| Zones | Zone Description |
| Zone 1 | Mumbai, Thane, Delhi, including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda, Surat. |
| Zone 2 | Bangalore, Pune, Nasik, Rest of Gujarat. |
| Zone 3 | Rest of India |
You can identify your city zone based on the PIN Code of your city.
Additionally, the optional benefits, such as OPD care and annual health check-up, are helpful add-ons to expand your healthcare coverage.
Also, we offer a multi-year policy discount on the premium to reduce your financial burden. As medical inflation is inching higher every year, Care Classic is the perfect investment that provides financial protection to you and your family during a medical emergency anywhere, anytime. Moreover, you get a wide range of sum insured options with the flexibility to add new members to the policy (at the time of renewal) and customize it per your healthcare needs and available medical facilities in your city. Therefore, this health insurance plan is a crucial help for the citizens from every walk of life staying in different cities of India.
CHIL's zone-based medical insurance policy offers expansive coverage to your entire family. It is an exclusive healthcare plan including valuable features, like:
Buying health insurance is imperative to your financial well-being. However, opting for the zone-based Care Classic health insurance is essential to save on your premium costs determined by your hometown, among other factors.
Care Classic Zone-based mediclaim policy comes attached with the following benefits:-
A medical emergency can be an unwanted guest in any city, so better to stay secured with our Care Classic zone-based health insurance plan. In this testing time, when medical inflation is rising and treatment costs are skyrocketing, it's wise to invest in zone-based health insurance to get comprehensive coverage at an affordable premium.
Let's understand in detail what all the policy covers:
In-Patient Care- We care for your health; that is why we cover the expenses incurred for in-patient care, including doctor's fees, ICU charges, OT charges, room charges, etc.
Pre and Post Hospitalization Expenses- Medical expenses for 60 days before and 90 days after hospitalization are covered so that the petty medical expenditures do not give you financial stress.
Day Care Treatments- Thanks to medical advancement! You can go for the daycare treatments that involve hospitalization for less than 24 hours. We cover all daycare procedures under Care Classic.
Advance Technology Methods- We continue adding value to our insurance plans by covering complex surgeries. The Care Classic policy includes advanced technology methods like robotic surgery, balloon sinuplasty, brain stimulation, etc., as these are minimally invasive surgeries and have fewer side effects.
AYUSH Treatment- Conventional and contemporary treatments- the duo is getting popular. If you are also an Ayurveda believer, you can go for the AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) treatment without hesitation, for we cover its expenses under the policy.
Domiciliary Hospitalization- This facility is available per the doctor's advice if your medical conditions do not allow you to visit the hospital or if no beds are available in nearby hospitals. We include the expenses and give you the coverage up to SI.
Organ Donor Cover- We salute the people who come forward for this noble cause. It is a life-saving initiative, and we cover medical expenses up to SI incurred by you towards your organ donor while undergoing organ transplant surgery.
Ambulance Cover- You will get an ambulance cover for an all-road emergency ambulance that you hire. We reimburse your ambulance expenses up to Rs.1,000 per policy year so that nothing creates a hindrance in your treatment.
No Claim Bonus- Cheers! Get the reward to stay fit. We offer no claim bonus for every claim-free year, a maximum of up to 150% SI, reducing the claim at the same rate as it was accrued.
Second Opinion- When it comes to health, you want reassurance. We arrange a second opinion for you within India from our empanelled doctors once in a policy year for major illness/ injury for all the insured members without impacting the sum insured.
Unlimited Automatic Recharge- Do not worry about exhausting your insurance limit. Under Care Classic, you can avail of unlimited automatic recharge up to SI for the unrelated or same illness.
Unlimited E-Consultation- Avail unlimited e-consultation with General Physicians to get assistance with any medical concern from anywhere, anytime.
Assisted Reproductive Treatment- We offer coverage for assisted reproductive treatment with a 3-year waiting period under this zonal health plan to encourage your family expansion.
Compassionate Travel- Being with family members during the treatment gives you hope and moral support. Therefore, we also cover your expenses for compassionate travel that helps you get better soon.
Value-Added Services- We also offer value-added services like CHIL's health portal that includes doctor on chat, healthy tips reminder, etc., and discount connect for various deals on services at our network.
*Please read the brochure and prospectus to know more about our health insurance plans cover as these may vary.
The Care Classic medical insurance addresses all the primary healthcare requirements of families living across Indian cities. Additionally, you can boost the zonal health coverage with some optional benefits, as below:
OPD Care: Trivial medical expenses can create a substantial financial burden collectively. It is beneficial to opt for this OPD Care optional benefit that covers consultation & diagnostic charges.
Inclusive Annual Health Check-up:Regular body check-ups help you stay on top of your health and reduce health risks. As a mandatory add-on, the benefit of annual health check-ups is already inclusive in the Care Classic cover for all insured members,
In the digital age, we ensure that you can opt for every health insurance policy at CHIL's online portal in a seamless way. You can opt for the Care Classic plan online in few simple steps:
Listed below are the exclusions of family health insurance plans that are not admissible under the policy:
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Most Frequently Asked Questions
Popular Questions
It is an indemnity-based health insurance plan in which premium is calculated based on the city you live in, your age, number of insured members, and pre-existing ailment, if any.
The minimum age limit of the proposer is 18 years, whereas you can include your 91 days old child as well in a family floater.
The maximum entry age for adults is 65 years and for the child is 24 years.
We have tied up with around 8350+ network hospitals in different cities across India.
It is beneficial to get comprehensive coverage at reduced premium based on your city of residence zone. With multi-year policy discounts, you will get value-added services that give you access to the best healthcare facilities in your town without financial constraints.
To buy the Care Classic Health plan, the proposer must be of 18 years of age. You can include your 91 days baby under the family floater plan.
No pre-policy medical check-up is required to buy this policy. However, we may ask the insured person to undergo telephone underwriting based on health conditions and past medical history.
Under section 80D of the Income Tax Act of India 1961, the Premium paid for the policy gets tax exemption up to Rs.75,000. However, tax deductions are subject to rules and regulations of the Income Tax Act of India.
Yes, all insured members will get the cashless hospitalization facility under this plan at our 8350+ cashless network hospitals in different cities across India.
Yes, you can easily register for a zone-based health insurance plan online by visiting the care health insurance official website.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.
^^Number of Cashless Healthcare Providers till 25th March 2022
Care Classic Complete Plan Details
GET FREE QUOTE
Pay premium @ Axis Bank
Walk-in to the nearest Axis Bank branch to pay your Renewal Premium conveniently via Cheque/Demand Draft. Please ensure to keep the following in mind while opting for the same:
Please visit during banking hours and ask for ‘Easy Pay’ service counters at Axis Bank branch to deposit your premium.
Please mention your Policy(s)number and Contact number on the reverse of cheque. Instrument should be in favour of "Care Health Insurance Limited"
Make sure to collect the acknowledgement slip before leaving bank’s service counter for any future correspondence.
Postdated/ Outstation/ Third Party cheques are not allowed.
Please ensure the cheque amount is equal to the amount mentioned in renewal invite.
It is advisable to carry a copy of Renewal invite while visiting to Axis Bank branch.
Please ensure to deposit the cheque at least 7 Days prior to the due date. Instrument deposition is not allowed after the policy expiry date.
In case of any modifications in the policy details at the time of renewal, please contact our
branch and do not deposit the cheque in Axis Bank Branch.
Contact respective ‘Axis Bank branch manager’ in case of any difficulty/issue/clarification related to deposition of renewal premium. You may further contact our Customer Service team at 1800-102-4488/1800-102-6655
Get All-India Coverage for Your Family With a Zone-based, Affordable Premium Plan
Get All-India Coverage for Your Family With a Zone-based, Affordable Premium Plan
For showing interest in Care Health Insurance (formerly known as Religare Health Insurance Co. Ltd). Our advisor will contact you shortly.
Be Corona-safe with Care Health Insurance plans.
Be Corona-safe with Care Health Insurance plans.
For showing interest in Care Health Insurance (formerly known as Religare Health Insurance Co. Ltd). Our advisor will contact you shortly.
Recently, I have taken a policy for my mother. Hassle free insurance buying process.
Highly Recommend Care Do keeps up the good work.
