Care Health Insurance Limited
Care Classic
Entry-level / budget-segment Care Health plan
UIN CHIHLIP22071V012122We don't sell this — we'll still recommend if it fits
The dealbreaker fields
Max cover
₹50 lakh
Claim settlement (CSR)
99%
PED waiting
48 months
Specific disease wait
24 months
Mandatory co-pay
0%
Room rent prop. ded.
No
Pre / post hosp.
60 / 90 days
Network hospitals
22,000+
Free look
15 days
What this plan does well
- Care Health entry-level/budget segment — accessible pricing
- Single Private AC Room (defined room category)
- All standard Day Care procedures
- AYUSH inpatient up to SI
- Domiciliary >3 days up to SI (with disease exclusions)
- Mid-term inclusion possible (marriage / childbirth)
- Lifelong renewability
- Optional benefits: OPD, Air Ambulance, Home Care, Maternity
Watch out for
- PED waiting 48 MONTHS — LONGER than industry 36
- NO automatic restoration in base (vs Ultimate Care which has it)
- 20% senior co-pay (61+) on EVERY claim (if eldest insured 61+ at first inclusion)
- CB only 10%/yr max 50% (vs 50%/100% in Ultimate Care)
- No NCB Super in Classic (entry-level segment)
- Maternity only via Optional Benefit
- Air Ambulance only via Optional Benefit
- OPD only via Optional Benefit
Is this the right plan for you?
Run the 30-second cover calculator. We'll tell you whether this plan, or a different one, is the better fit.
Find my right cover →We don't directly sell this plan today. If our verdict says this is your best fit, we'll point you to a broker who does — and tell you our paired listed alternative so you can decide.