Care Classic (Insta)

Care Health Insurance

Claim settlement ratio 95.2 (2019-20)

NCB* 25% increase in sum insured up to 150%

PED Waiting# 48 Months

Network Hospital 9400+

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Overview of Care Classic (Insta) Plan

People living in different cities in India have access to different healthcare facilities and the cost of hospitalization varies as per the city you live in. With Care Classic health insurance plan, Care Health Insurance Company aims to cater to the comprehensive zone-based health insurance needs of people living in various cities in the country. This city-based health plan allows customers to avail the most suitable insurance plan at the most affordable premium irrespective of the cities they live in.

USP features of Care Classic (Insta) Plan

  • One of the key features of the Care Classic Insta health insurance plan is that it does zone based premium calculation to reduce premium amounts
  • The OPD care that comes with consultation as well as diagnostic charges offered under the plan is another important feature of the Care Classic Plan
  • The plan comes with a wide range of sum insured that ranges from INR 5 lakh to INR 15 lakh
  • Inclusive of annual health check-up is another top feature of the Care Classic Plan that makes the insured to stay at the top of their health by limiting various health risks
  • The plan also allows value added services like doctor on chat, healthy tips, discount on various services etc.

What’s not covered under Care Classic (Insta) Health Insurance Plan?

  • The plan exclude coverage on diseases or conditions whose symptoms or signs were diagnosed within 30 days of the policy start date
  • The plan doesn’t cover expenses of treatment for any self-inflicted injury that occurs as a result of suicide or attempted suicide
  • Costs that are attributable to overdose or abuse of drugs and alcohol are also excluded from the plan coverage
  • Pregnancy, childbirth, miscarriage, abortion and such other conditions are also not included under the policy
  • Treatment against injuries inflicted due to war, strike, riot, use of nuclear weapons etc. are also not included under the care classic plan
Frequently asked questions

Care Classic is a health plan based on indemnity where the calculation of the premium depends on varied things like age of insured, city where they live in, number of members covered under the plan and any PED or pre-existing diseases etc.

The minimum age limit for adults is 18 years and you can include a child of 91 days old under the family floater plan. On the other hand, the maximum age limit is 65 years for adults and 24 years for children.

The age of the proposer must be 18 years to buy the care classic plan.

There are no medical tests required to buy the care classic health policy. However, the insured might have to go through a telephonic underwriting depending on their health condition and past medical history.

Yes, you can easily get the policy online via the official website of care health insurance.

Yes, cashless hospitalization facility can be availed by all the policyholders across the various network hospitals in the country that the insurer has tie up with.

* 25% increase in Sum Insured up to 150%

# Expenses related to the treatment of a Pre-Existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months from the date of inception of the policy with the insurer.

Care Health Insurance - Other Plan Variants

Care Plus
Care Supreme
Care Advantage