Zone Based Health Insurance

What is Covered under Care Classic?

Staying secure with our zone-based health insurance plan is better than falling prey to an unforeseen emergency. Investing in zone-based health insurance is wise to get comprehensive coverage at an affordable premium.

Let's understand in detail what all the policy covers:

• In-Patient Care- 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 hospitalisation are covered so that the petty medical expenditures do not stress you financially.
• Day Care Treatments- You can go for daycare treatments requiring hospitalisation for less than 24 hours. We cover all daycare procedures under Care Classic.
• Advance Technology Methods- The plan includes advanced technology methods like robotic surgery, balloon sinuplasty, brain stimulation, etc., as these are minimally invasive surgeries with fewer side effects.
• AYUSH Treatment- If you are also an Ayurveda believer, you can go for the AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) treatment without hesitation, for we cover its expenses under the policy.
• Domiciliary Hospitalization- 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 coverage up to SI.
• Organ Donor Cover- 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 you hire. We reimburse your ambulance expenses up to Rs.1,000 per policy year so that nothing hinders your treatment.
• No Claim Bonus- 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- We arrange a second opinion for you within India from our empanelled doctors once a policy year for significant illness/ injury for all the insured members without impacting the sum insured.

What is Not Covered in Care Classic?

Listed below are the exclusions of family health insurance plans that are not admissible under the policy:

• Any diagnosis of diseases / undergoing surgery/ occurrence of an event whose signs or symptoms first occur within 30 days of the policy period start date
• Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
• Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences
• Tests and treatment relating to infertility and in vitro fertilisation
• War, riot, strike, nuclear weapons-induced hospitalisation

How to Buy Care Classic Health Insurance Plan Online?

We ensure you can seamlessly opt for every health insurance policy at Care’s online portal. You can opt for the Care Classic plan online in a few simple steps:

• Step 1: Go to our official website and select Care Classic
• Step 2: Enter the required details, including mobile number and pin code
• Step 3: Click on "Get the Quote"
• Step 4: Choose the plan that suits your health insurance needs
• Step 5: Customize your policy by selecting the ideal policy tenure, the sum insured, and optional benefits
• Step 6: Fill in the relevant details, such as age, occupation, pre-existing diseases, etc.
• Step 7: Submit the documents if required
• Step 8: You can choose convenient payment modes using any secured payment mode like net banking, debit or credit card, payment wallet, and pay your health premium online
• Step 9: You will receive a health insurance policy document on your registered email id, including your policy numbers and e-card.