{"uin":"CHIHLIP26048V022526","name":"care classic","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526","insurer":{"slug":"care-health-insurance","name":"Care Health Insurance Ltd","url":"https://indiainsurances.com/insurer/care-health-insurance"},"line":"health","category":"health-indemnity","category_name":"Health insurance (hospitalisation)","irdai_type":"Health","kind":"product","status":"active","approved_on":"2021-06-22","withdrawn_on":null,"summary":"Care Classic is a floater indemnity health insurance policy with sum insured options from 1L to 25L and policy terms of 1, 2 or 3 years. It covers hospitalization, all day care procedures, 60 days pre-hospitalization, 90 days post-hospitalization, AYUSH, domiciliary hospitalization and unlimited automatic recharge, subject to waiting periods and limits.","analysis":{"state":"machine","analysed_at":"2026-10-20 03:31:03.980825+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"1/ 2/ 3 years","display":"1/ 2/ 3 years","note":null,"quote":"Policy Term | 1/ 2/ 3 years","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"quote-verified","value":["Pre-Existing Diseases: expenses excluded until 36 months","Specific Waiting Period: listed conditions, surgeries/treatments excluded until 24 months","30-day waiting period for any illness except accident claims","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Excluded Providers","Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Refractive Error","Unproven Treatments","Sterility and Infertility","Maternity"],"display":"Waiting periods, Investigation & Evaluation, Rest Cure, obesity surgery, change of gender, cosmetic surgery, hazardous sports, breach of law, excluded providers, alcohol/drug abuse, refractive error, unproven treatment, sterility/infertility and maternity","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 ... Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered. ... Excl04 Investigation & Evaluation: (Code- Excl04) ... Excl05 ... Excl06 Obesity/ Weight Control: (Code- Excl06) ... Excl07 Change-of-Gender treatments: (Code- Excl07) ... Excl08 Cosmetic or plastic Surgery: (Code- Excl08) ... Excl09 ... Excl10 Breach of law: (Code- Excl10) ... Excl11 Excluded Providers: (Code- Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Code- Excl12) ... Excl15 Refractive Error: (Code- Excl15) ... Excl16 Unproven Treatments: (Code- Excl16) ... Excl17 Sterility and Infertility: (Code- Excl17) ... Excl18 Maternity: (Code Excl18)","sources":[{"clause":"Row 1(I)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-5"},{"clause":"Row 1(I)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-6"},{"clause":"Def. 2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-def-2"},{"clause":"Excl04","heading":"Investigation & Evaluation: (Code- Excl04)","page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl04"},{"clause":"Excl05","heading":null,"page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl05"},{"clause":"Excl06","heading":"Obesity/ Weight Control: (Code- Excl06)","page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl06"},{"clause":"Excl07","heading":"Change-of-Gender treatments: (Code- Excl07)","page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code- Excl08)","page":17,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl08"},{"clause":"Excl09","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl09"},{"clause":"Excl10","heading":"Breach of law: (Code- Excl10)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl10"},{"clause":"Excl11","heading":"Excluded Providers: (Code- Excl11)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl11"},{"clause":"Excl15","heading":"Refractive Error: (Code- Excl15)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl15"},{"clause":"Excl16","heading":"Unproven Treatments: (Code- Excl16)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl16"},{"clause":"Excl17","heading":"Sterility and Infertility: (Code- Excl17)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl17"},{"clause":"Excl18","heading":"Maternity: (Code Excl18)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl18"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"1L/ 2L/ 3L/ 4L/ 5L/ 7L/ 10L/ 15L/ 20L/ 25L","display":"Rs.1L, 2L, 3L, 4L, 5L, 7L, 10L, 15L, 20L, 25L","note":null,"quote":"Sum Insured (SI) – on annual basis (in Rs.) | 1L/ 2L/ 3L/ 4L/ 5L/ 7L/ 10L/ 15L/ 20L/ 25L","sources":[{"clause":null,"heading":"8. SCHEDULE OF BENEFITS","page":24,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-8-schedule-of-benefits"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Not applicable to accident claims, provided they are covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Def. 2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-def-2"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Optional Reduction in PED Wait Period can reduce this to 24 months.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Row 1(I)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-5"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"Not applicable for claims arising due to an accident.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 24\n2 | Complete Blood Count(cbc), Urine Routine, Esr, Abo Group & Rh Type, Blood Sugar Fasting, Cholesterol, Cholesterol Direct Ldl, Cholesterol-hdl, Triglycerides, Total Cholesterol/hdl Ratio Creatinine, Blood Urea Nitrogen, Bun / Creatinine Ratio, Uric Acid | 5Lakhs- 10Lakhs ,\nmonths of continuous coverage, as may be the case after the date of inception of the first policy with the Company. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Row 1(I)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-6"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"quote-verified","value":["Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery(unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair","Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders","Benign Prostatic Hypertrophy","Cataract","Dilatation and Curettage","Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers","Surgery of Genito-urinary system unless necessitated by malignancy","All types of Hernia & Hydrocele","Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy","Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant","Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone","Myomectomy for fibroids","Varicose veins and varicose ulcers","Parkinson's or Alzheimer's disease or Dementia"],"display":"Arthritis and joint/spinal disorders, benign ENT disorders, BPH, cataract, D&C, fissure/fistula/piles/ulcers, genito-urinary surgery, hernia/hydrocele, hysterectomy, tumours/cysts/polyps, kidney/ureteric/gall bladder stones, myomectomy, varicose veins/ulcers, Parkinson's or Alzheimer's disease or Dementia","note":null,"quote":"f. List of specific diseases/procedures:\n1. Any treatment related to Arthritis (if non-infective), Osteoarthritis and Osteoporosis, Gout, Rheumatism, Spinal Disorders(unless caused by accident), Joint Replacement Surgery(unless caused by accident), Arthroscopic Knee Surgeries/ACL Reconstruction/Meniscal and Ligament Repair\n2. Surgical treatments for Benign ear, nose and throat (ENT) disorders and surgeries (including but not limited to Adenoidectomy, Mastoidectomy, Tonsillectomy and Tympanoplasty), Nasal Septum Deviation, Sinusitis and related disorders\n3. Benign Prostatic Hypertrophy\n4. Cataract\n5. Dilatation and Curettage\n6. Fissure / Fistula in anus, Hemorrhoids / Piles, Pilonidal Sinus, Gastric and Duodenal Ulcers\n7. Surgery of Genito-urinary system unless necessitated by malignancy\n8. All types of Hernia & Hydrocele\n9. Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless necessitated by malignancy\n10. Internal tumours, skin tumours, cysts, nodules, polyps including breast lumps (each of any kind) unless malignant\n11. Kidney Stone / Ureteric Stone / Lithotripsy / Gall Bladder Stone\n12. Myomectomy for fibroids\n13. Varicose veins and varicose ulcers\n14. Parkinson's or Alzheimer's disease or Dementia","sources":[{"clause":"Def. 2","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-def-2"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The insured person may port the policy to other insurers by applying to the new insurer to port the entire policy with all family members at least 30 days before, but not earlier than 60 days from, the renewal date. If continuously covered without lapses under an Indian general or health insurer policy, accrued continuity benefits are given as per portability guidelines.","display":"Porting to another insurer allowed with continuity benefits, if applied 30 to 60 days before renewal","note":null,"quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. lf such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/ Health insurer, the proposed insured person will get the accrued continuity benefits as per IRDAI guidelines on portability.","sources":[{"clause":null,"heading":"5.1.9. Portability","page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-5-1-9-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Adult: Lifelong","note":"Child exit age is 25 years.","quote":"Exit Age | Adult: Lifelong Child: 25 years","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading shall apply on renewals based on individual claims experience.","display":"No loading on renewal based on individual claims experience","note":null,"quote":"No loading shall apply on renewals based on\nindividual claims experience","sources":[{"clause":"24(iv)","heading":null,"page":22,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The policyholder may cancel by giving 7 days' written notice and the company will refund proportionate premium for the unexpired policy period. No premium refund is made where any claim has been admitted or lodged or any benefit has been availed, and pre-policy medical examination and similar expenses are deducted if the risk or part of the cover has commenced.","display":"7 days' written notice; proportionate refund for unexpired period, with no refund if a claim is admitted/lodged or a benefit availed","note":null,"quote":"The policyholder may cancel this policy by giving 7 days ‘written notice and in such an event, the Company shall refund proportionate premium for the unexpired policy period. ... no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the Insured person under the Policy ... If the risk under the Policy has already commenced, or only a part of the insurance coverage has commenced, and the option of Policy cancellation is exercised by the Policyholder, then the expenses such as pre-policy medical examination etc. incurred by the Company will also be deducted before refunding of premium.","sources":[{"clause":"24(a)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-a-3"},{"clause":"24(a)(i)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-a-i"},{"clause":"24(a)(ii)","heading":null,"page":21,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-a-ii"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy covers only medical treatment taken entirely within India, and all payments are made in Indian Rupees and within India.","display":"India only","note":"International Second Opinion is an optional benefit with worldwide excluding India scope, but medical treatment cover is India only.","quote":"This Policy covers only medical treatment taken entirely within India. All payments under this Policy shall be made in Indian Rupees and within India.","sources":[{"clause":"24(II)(a)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-ii-a-3"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"Applicable on new individual health insurance policies, not renewals or porting/migration.","quote":"The insured person shall be allowed free look period of policy no look back to be applied. This period of five 30 days from date of receipt of the policy document to years is called as moratorium period.","sources":[{"clause":null,"heading":"5.1.14. Possibility of Revision of Terms of the Policy","page":22,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-5-1-14-possibility-of-revision-of-terms-of-the-p"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"15 days for monthly mode; 30 days in all other cases","note":"Norm uses 30 days for non-monthly modes; monthly mode is 15 days.","quote":"The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"2.1.17","heading":"Grace Period","page":3,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-2-1-17"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"quote-verified","value":"Minimum entry age is 91 days with at least 1 member aged 18 years or above. Maximum entry age is Adult: 65 years and Child: 24 years.","display":"Minimum 91 days with at least 1 member age 18+; maximum Adult 65 years, Child 24 years","note":null,"quote":"Entry Age – Minimum | 91 days with at least 1 member of age 18 years or above\nEntry Age – Maximum | Adult: 65 years Child: 24 years","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Single","Monthly","Quarterly","Half-yearly"],"display":"Single/ Monthly/ Quarterly/ Half-yearly","note":null,"quote":"Premium Payment Term | Single/ Monthly/ Quarterly/ Half-yearly","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"room_rent","label":"Room rent limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for the hospital room, or the room category allowed. If you take a costlier room, other bills can be cut in proportion.","status":"quote-verified","value":"Room eligibility is up to 1% of sum insured per day for SI below Rs.5L, and Single Private A/C Room for SI of Rs.5L and above. Optional Room Rent & ICU Modification can upgrade SI below Rs.5L to Single Private A/C Room.","display":"SI<5L: up to 1% of SI/day; SI>=5L: Single Private A/C Room","note":"Optional Room Rent & ICU Modification applies only for SI below Rs.5L.","quote":"Room Eligibility | Up to 1% of SI/day (SI<5L) Single Private A/C Room (SI>=5Lac) ... Room Rent & ICU Modification | - Room Rent SI<Rs.5L - Single Private A/C Room , SI >=5L - NA","sources":[{"clause":"Row 9","heading":"Other Value Added Services","page":26,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-9-3"},{"clause":"Row 4","heading":"Room Rent & ICU Modification","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-4-2"}],"law":[]},{"key":"room_category","label":"Room category allowed","section":"Limits and co-pay","meaning":"Shared room, single private room or any room, by plan, when the limit is a room type rather than a rupee amount.","status":"quote-verified","value":"Single Private A/C Room is allowed for SI of Rs.5L and above. For SI below Rs.5L the base limit is up to 1% of SI/day, unless the optional Room Rent & ICU Modification is chosen.","display":"Single Private A/C Room for SI>=5L; optional upgrade to Single Private A/C Room for SI<5L","note":null,"quote":"Room Eligibility | Up to 1% of SI/day (SI<5L) Single Private A/C Room (SI>=5Lac) ... Room Rent & ICU Modification | - Room Rent SI<Rs.5L - Single Private A/C Room , SI >=5L - NA","sources":[{"clause":"Row 9","heading":"Other Value Added Services","page":26,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-9-3"},{"clause":"Row 4","heading":"Room Rent & ICU Modification","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-4-2"}],"law":[]},{"key":"icu_limit","label":"ICU limit","section":"Limits and co-pay","meaning":"The most the policy pays per day for intensive care.","status":"quote-verified","value":"ICU charges are up to 2% of sum insured per day for SI below Rs.5L, and no limit for SI of Rs.5L and above. Optional Room Rent & ICU Modification can change SI below Rs.5L ICU charges to no limit.","display":"SI<5L: up to 2% of SI/day; SI>=5L: No limit","note":null,"quote":"ICU Charges | Up to 2% of SI/day (SI<5L) No limit (SI>=5Lac) ... Room Rent & ICU Modification | - Room Rent SI<Rs.5L - Single Private A/C Room , SI >=5L - NA - ICU Charges SI<Rs.5L – No Limit, SI>=5L - NA","sources":[{"clause":"Row 9","heading":"Other Value Added Services","page":26,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-9-3"},{"clause":"Row 4","heading":"Room Rent & ICU Modification","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-4-2"}],"law":[]},{"key":"proportionate_deduction","label":"Proportionate deduction","section":"Limits and co-pay","meaning":"If you choose a room above your limit, whether the insurer reduces associated charges (doctor fees, tests, procedures) by the same proportion.","status":"quote-verified","value":"If the insured person uses a hospital room where the room category or room rent is higher than the eligible limit, the policyholder or insured person bears the ratable proportion of the total Associate Medical Expenses in the proportion of the excess room rent.","display":"Yes, ratable proportion of Associate Medical Expenses applies if room rent/category exceeds eligibility","note":null,"quote":"If the Insured Person is admitted in a Hospital room where the Room Category opted or Room Rent incurred is higher than the eligible Room Category/ Room Rent as specified in the Policy Schedule, then, ... The Policyholder/Insured Person shall bear the ratable proportion of the total Associate Medical Expenses (including applicable surcharge and taxes thereon) in the proportion of the difference between the Room Rent actually incurred and the Room Rent specified in the Policy Schedule or the Room Rent of the entitled Room Category to the Room Rent actually incurred.","sources":[{"clause":"12(a)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-12-a"},{"clause":"12(I)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-12-i-2"}],"law":[]},{"key":"copay","label":"Co-payment","section":"Limits and co-pay","meaning":"The share of every admissible claim you pay yourself, and when it applies (age, zone, choice of hospital).","status":"quote-verified","value":"A 20% co-payment per claim applies if, at first policy issue, the insured person or eldest insured person in a floater is aged 61 years or above. If optional Smart Select is chosen, an additional 20% co-payment applies for treatment in hospitals other than the listed Smart Select hospitals; optional Copayment Waiver can waive the mandatory 20% co-pay for entry age 61 years or above.","display":"20% per claim for entry age 61 years or above; optional Smart Select adds 20% outside listed hospitals","note":null,"quote":"At the time of issue of the first Policy with the Company, if Age of Insured Person or eldest Insured Person (in case of Floater) is 61 Years or above, such Insured Person or all Insured Person (in case of Floater) shall bear a Co-payment of 20% per Claim ... If the Insured Person takes Medical Treatment in hospitals other than those listed in Annexure – III to the Policy Terms and Conditions, then the Policyholder/Insured Person shall bear a Co- Payment of 20% on each and every Claim arising in such regard ... If this Optional Benefit is opted then, the mandatory co-payment of 20% which is applicable to Insured Person whose entry age is 61 Years or above shall be waived off.","sources":[{"clause":"3(III)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-iii"},{"clause":null,"heading":"3.2.1 Optional Benefit : Smart Select","page":12,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-1-optional-benefit-smart-select"},{"clause":null,"heading":"3.2.3 Optional Benefit : Copayment Waiver","page":13,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-3-optional-benefit-copayment-waiver"}],"law":[]},{"key":"deductible","label":"Deductible","section":"Limits and co-pay","meaning":"An amount of each claim or each year that you bear before the policy pays.","status":"quote-verified","value":"No deductible applies unless the optional Deductible Option is chosen. If opted, the deductible is aggregate for all claims in a policy year and options are Rs.10,000, 25,000, 50,000, 1,00,000, 2,00,000, 3,00,000, 4,00,000 or 5,00,000 per policy year.","display":"None unless opted; optional Rs.10,000 to Rs.5,00,000 aggregate per policy year","note":"Deductible Option is an optional benefit.","quote":"If this Optional Benefit is opted, then Policyholder is entitled for a discount on the Premium payable.\n(i) The claim amount assessed by the Company for a particular claim shall be reduced by the Deductible as specified in the Policy Schedule and the Company shall be liable to make payment under the Policy for any Claim only when the Deductible on that Claim is exhausted.\n(ii) The Deductible shall be applicable on an aggregate basis for all Claims made by the Insured Person in a Policy Year. ... Deductibles | 10,000/ 25,000/ 50,000/ 1,00,000/ 2,00,000/ 3,00,000/ 4,00,000/ 5,00,000 per policy year","sources":[{"clause":null,"heading":"3.2.2 Optional Benefit : Deductible Option","page":13,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-2-optional-benefit-deductible-option"},{"clause":"Row 2","heading":"Deductibles","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-2-3"}],"law":[]},{"key":"disease_sublimits","label":"Disease or procedure sub-limits","section":"Limits and co-pay","meaning":"Caps on what is paid for named treatments (cataract, knee replacement...), even if the sum insured is higher.","status":"quote-verified","value":["Cataract: 1 /2 Lakhs up to 15,000 per eye, per policy year","Cataract: 3 Lakhs up to 25,000 per eye, Max 35,000 per policy year","Cataract: 4 Lakhs up to 30,000 per eye, Max 45,000 per policy year","Cataract: 5 Lakhs up to 40,000 per eye, Max 60,000 per policy year","Cataract: 7-25 Lakhs up to 50,000 per eye, Max 75,000 per policy year","Uterine Artery Embolization and HIFU: 15% of SI","Balloon Sinuplasty: 5% of SI","Deep Brain stimulation: 25% of SI","Oral chemotherapy: 15% of SI","Immunotherapy- Monoclonal Antibody to be given as injection: 25% of SI","Intra vitreal injections: 5% of SI","Robotic surgeries: 25% of SI","Stereotactic radio surgeries: 25% of SI","Stem cell therapy: 25% of SI","Optional Sub-Limit on Specified Diseases applies to knee replacement, hernia, hysterectomy, BPH, stones, cerebrovascular and cardiovascular disorders, cancer, renal complications and breakage of bones"],"display":"Cataract caps by SI, advance technology method caps, and optional specified-disease sub-limits","note":"The specified-disease sub-limits are under an optional benefit; cataract and advance technology method sub-limits can be waived by optional Waiver of Sub-limits on Cataract & Advance Technology Methods Treatments.","quote":"Coverage under Cataract Treatment ... 1 /2 Lakhs | Up to 15,000 per eye, per policy year\n3 Lakhs | Up to 25,000 per eye, Max 35,000 per policy year\n4 Lakhs | Up to 30,000 per eye, Max 45,000 per policy year\n5 Lakhs | Up to 40,000 per eye, Max 60,000 per policy year\n7-25 Lakhs | Up to 50,000 per eye, Max 75,000 per policy year ... Uterine Artery Embolization and HIFU | 15% of SI\n2 | Balloon Sinuplasty | 5% of SI\n3 | Deep Brain stimulation | 25% of SI\n4 | Oral chemotherapy | 15% of SI\n5 | Immunotherapy- Monoclonal Antibody to be given as injection | 25% of SI\n6 | Intra vitreal injections | 5% of SI\n7 | Robotic surgeries | 25% of SI\n8 | Stereotactic radio surgeries | 25% of SI ... 12 | Stem cell therapy | 25% of SI ... Treatment of Total Knee Replacement | Up to Rs. 80,000 per knee | Up to Rs.1 Lakh per knee\nTreatment for each and every Ailment / Procedure mentioned below:- a. Surgery for treatment of all types of Herni Hysterectomys b. Surgeries for Benign Prostate Hypertrophy (BPH) c. Surgical treatment of stones of renal system | Up to Rs.50,000 | Up to Rs.65,000\nTreatment for each and every Ailment / Procedure mentioned below:- a. Treatment of Cerebrovascular and Cardiovascular disorders b. Treatments/Surgeries for Cancer c. Treatment of other renal complications and Disorders d. Treatment for breakage of bones | Up to Rs.2 Lakhs | Up to Rs.2.5 Lakhs","sources":[{"clause":null,"heading":"Coverage under Cataract Treatment","page":28,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-coverage-under-cataract-treatment"},{"clause":null,"heading":"Advance Technology Methods","page":27,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-advance-technology-methods"},{"clause":null,"heading":"Sub-limits on Specified Diseases","page":27,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-sub-limits-on-specified-diseases"}],"law":[]},{"key":"pre_hospitalisation","label":"Pre-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days before admission that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":60},"display":"60 days","note":"Payable only if related to the same illness or injury for which the hospitalization claim is accepted.","quote":"Pre-Hospitalization Medical Expenses:\nThe Company will indemnify the Insured Person for Medical Expenses incurred which are Medically Necessary, only through Reimbursement Facility, maximum up to the amount as specified in the Policy Schedule, for Pre-\nhospitalization Medical Expenses, for a | treatment undergone at any AYUSH Hospitals or\nperiod of 60 days immediately prior to the | health care facilities for any of the listed AYUSH\nInsured Person's date of admission to the | treatments namely Ayurveda, Yoga, Naturopathy,","sources":[{"clause":"10(iii)","heading":"Benefit","page":7,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-10-iii"}],"law":[]},{"key":"post_hospitalisation","label":"Post-hospitalisation cover","section":"Cover","meaning":"Medical costs in the days after discharge that are paid if related to the hospitalisation.","status":"quote-verified","value":{"unit":"days","amount":90},"display":"90 days","note":"Claim documents are to be submitted within 30 days after completion of 90 days from discharge.","quote":"The Company will indemnify the Insured\n(v) Benefit : Domiciliary Hospitalization Person for Medical Expenses incurred\ntowards Consultant fees, Diagnostic | The Company will indemnify the Insured Person,\ncharges, Medicines and drugs, only | only through Reimbursement Facility, up to the\nthrough Reimbursement Facility, | amount specified against this Benefit in the Policy\nmaximum up to the amount as specified in | Schedule, for the Medical Expenses incurred\nthe Policy Schedule, for Post- | towards Domiciliary Hospitalization, i.e.,\nhospitalization Medical Expenses, for a | Coverage extended when Medically Necessary\nperiod of 90 days immediately after the | treatment is taken at home","sources":[{"clause":"10(iii)","heading":"Benefit","page":7,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-10-iii"}],"law":[]},{"key":"day_care","label":"Day-care treatments","section":"Cover","meaning":"Treatments needing less than 24 hours in hospital (chemotherapy, dialysis, cataract) and whether all or only listed ones are covered.","status":"quote-verified","value":"All Day Care Treatments are covered through cashless or reimbursement facility up to the Sum Insured, where treatment in a hospital or day care centre does not exceed 24 hours and would otherwise require inpatient admission.","display":"All Day Care Treatments, up to Sum Insured","note":null,"quote":"The Company will indemnify the Insured Person for Medical Expenses incurred on all Day Care Treatments through Cashless or Reimbursement Facility, maximum up to the Sum Insured ,as specified in the Policy Schedule, provided that the period of treatment of the Insured Person in the Hospital/Day Care Centre does not exceed 24 hours, which would otherwise require an in-patient admission","sources":[{"clause":"10(ii)","heading":"Benefit","page":7,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-10-ii"}],"law":[]},{"key":"domiciliary","label":"Treatment at home","section":"Cover","meaning":"Whether treatment at home is covered when hospital admission is not possible or a doctor advises it.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"ayush","label":"AYUSH treatment","section":"Cover","meaning":"Ayurveda, Yoga, Unani, Siddha and Homeopathy treatment in a recognised hospital, and any limit.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 1","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Guidelines on providing AYUSH coverage in Health Insurance policies, 2024","section":"Para 2","url":"https://indiainsurances.com/law/irdai-ayush-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 1","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II A.I(1)","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"modern_treatments","label":"Modern treatments","section":"Cover","meaning":"Robotic surgery, immunotherapy, oral chemotherapy, stem cell therapy and the like, and any cap on them.","status":"quote-verified","value":"Advance Technology Methods are covered with sub-limits: Uterine Artery Embolization and HIFU 15% of SI, Balloon Sinuplasty 5% of SI, Deep Brain stimulation 25% of SI, Oral chemotherapy 15% of SI, Immunotherapy 25% of SI, Intra vitreal injections 5% of SI, Robotic surgeries 25% of SI, Stereotactic radio surgeries 25% of SI, Bronchical Thermoplasty up to SI, Vaporisation of the prostrate up to SI, IONM up to SI, and Stem cell therapy 25% of SI.","display":"Covered with specified limits, from 5% of SI to up to SI depending on treatment","note":"Optional Waiver of Sub-limits on Cataract & Advance Technology Methods Treatments can waive these sub-limits.","quote":"Advance Technology Methods ... Uterine Artery Embolization and HIFU | 15% of SI\n2 | Balloon Sinuplasty | 5% of SI\n3 | Deep Brain stimulation | 25% of SI\n4 | Oral chemotherapy | 15% of SI\n5 | Immunotherapy- Monoclonal Antibody to be given as injection | 25% of SI\n6 | Intra vitreal injections | 5% of SI\n7 | Robotic surgeries | 25% of SI\n8 | Stereotactic radio surgeries | 25% of SI\n9 | Bronchical Thermoplasty | Up to SI\n10 | Vaporisation of the prostrate (Green laser treatment or holmium laser treatment) | Up to SI\n11 | IONM - (Intra Operative Neuro Monitoring) | Up to SI\n12 | Stem cell therapy | 25% of SI","sources":[{"clause":null,"heading":"Advance Technology Methods","page":27,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-advance-technology-methods"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 2","url":"https://indiainsurances.com/law/irdai-health-mc-2024"}]},{"key":"organ_donor","label":"Organ donor expenses","section":"Cover","meaning":"Whether the donor's hospital costs for an organ transplant are paid.","status":"quote-verified","value":"Organ donor medical expenses are covered through cashless or reimbursement up to the limit specified in the policy schedule, and the schedule states up to 10% of SI. Donor pre-hospitalization, post-hospitalization or other expenses consequent to harvesting are not covered.","display":"Covered up to 10% SI; donor pre/post-hospitalization not covered","note":null,"quote":"Organ Donor Cover | Up to 10% SI ... The Company will indemnify the Insured Person, through Cashless or Reimbursement Facility, up to the limit specified against this Benefit in the Policy Schedule, for the Medical Expenses incurred in respect of the donor, for any organ transplant surgery during the Policy Year ... The Company will not be liable to pay the Medical Expenses incurred by the Insured P e r s o n t o w a r d s b e n e f i t ' P r e - Hospitalization Medical Expenses and Post Hospitalization Medical Expenses' or any other Medical Expenses in respect of the donor consequent to the harvesting.","sources":[{"clause":"Row 1","heading":"Hospitalization Expenses","page":24,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-1-2"},{"clause":"12","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-12"},{"clause":"12(iii)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-12-iii"}],"law":[]},{"key":"ambulance","label":"Ambulance cover","section":"Cover","meaning":"Road (and air) ambulance cover and its limit.","status":"quote-verified","value":"Road ambulance cover is up to Rs.1,000 per policy year. It covers necessary transport by hospital or ambulance service provider from the place of emergency to the nearest hospital and/or from one hospital to another for better medical aid; optional Air Ambulance Cover is up to 5 lakhs during the policy year in India.","display":"Road ambulance up to Rs.1,000 per policy year; optional air ambulance up to 5 lakhs in India","note":"Air Ambulance Cover is optional.","quote":"Ambulance Cover | Up to Rs.1,000 per policy year ... Such ambulance transportation is offered by a Sum Insured; Hospital or by an Ambulance service provider for\nthe Insured Person's necessary transportation; and ... Such Transportation is from the place of be calculated on the Sum Insured applicable on occurrence of Medical Emergency of the Insured the last completed Policy Year; person, to the nearest Hospital; and/or ... Air Ambulance Cover | Up to 5 lakhs during policy year (Available in India Only)","sources":[{"clause":"Row 2","heading":"Ambulance Cover","page":24,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-2-2"},{"clause":"12(vii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-12-vii"},{"clause":"Row 9","heading":"Other Value Added Services","page":26,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-9-3"}],"law":[]},{"key":"restoration","label":"Restoration of sum insured","section":"Cover","meaning":"Whether the sum insured is refilled after it is used up in a year, how much, how often, and whether it works for the same illness.","status":"quote-verified","value":"Unlimited Automatic Recharge reinstates up to the base Sum Insured unlimited times in a policy year after the base Sum Insured, No Claims Bonus and Additional Sum Insured for Accidental Hospitalization are exhausted. It can be used for the same or different illnesses except for claims under Any one Illness condition, and unused recharge cannot be carried forward.","display":"Unlimited times up to base Sum Insured, after exhaustion; same or different illness except Any one Illness; no carry-forward","note":"Recharge is valid for that policy year only.","quote":"the Company Insured Person's or any other person's agrees to automatically make the re-instatement of up to reliance on the same or the use to which the the base Sum Insured unlimited times in a policy year Second Opinion is put. which is valid for that Policy Year only ... The Recharge shall be utilized only after the base any actual or alleged errors, omissions or Sum Insured, 'No Claims Bonus' and 'Additional representations made by any Medical Sum Insured for Accidental Hospitalization' has Practitioner or in any Second Opinion or been completely exhausted in that Policy Year. ... Recharge amount can be utilized for same illness ... as well as different Illnesses except for claim\nprescription, actual or alleged errors, | under Any one Illness condition. ... Any unutilized Recharge cannot be carried forward to any subsequent Policy Year.","sources":[{"clause":"15","heading":"Total Blindness","page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-15"},{"clause":"15(i)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-15-i"}],"law":[]},{"key":"no_claim_bonus","label":"No-claim or cumulative bonus","section":"Cover","meaning":"How much the cover grows each year, the maximum, whether it depends on not claiming, and what happens after a claim.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"consumables","label":"Consumables and non-medical items","section":"Cover","meaning":"Gloves, PPE, syringes and other items hospitals bill that standard policies exclude; whether this policy pays them.","status":"quote-verified","value":"Non-medical items are excluded, including items listed in Annexure I such as gloves and masks.","display":"Excluded: non-medical items such as GLOVES and MASK","note":null,"quote":"Any item or condition or treatment specified in List of Non-Medical Items (Annexure – I to Policy Terms & Conditions). ... 56 | GLOVES ... 60 | MASK","sources":[{"clause":"Excl18(b)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl18-b-3"},{"clause":"24(II)(i)","heading":null,"page":27,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-24-ii-i"}],"law":[]},{"key":"maternity","label":"Maternity cover","section":"Cover","meaning":"Whether childbirth costs are covered, the limit and the waiting period.","status":"quote-verified","value":"Maternity expenses are excluded in the base policy, except ectopic pregnancy. If the optional Maternity and New Born Baby Cover is chosen, delivery hospitalization expenses are covered up to the specified amount after a 24 month waiting period; the schedule shows Rs.15,000 for SI up to 5L and Rs.25,000 for SI above 5L.","display":"Excluded unless optional cover is bought; optional cover after 24 months, Rs.15,000 or Rs.25,000","note":"Maternity and New Born Baby Cover is optional and available only under floater combination 2A and 2A1C for insured persons age 18 years or above; coverage is not available if age is greater than 45 years at policy start.","quote":"Maternity: (Code Excl18) ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... The Company shall indemnify, through Cashless or Reimbursement Facility, for the Medical Expenses associated with Hospitalization for the delivery of a child, up to amount specified against this Benefit in the Policy Schedule ... The delivery shall occur after the completion of the 24 month waiting period under this Benefit. ... Maternity & New Born Cover (Available only under Floater combination of 2A & 2A1C for all Insured Persons of age 18 years or above with a wait period of 24 months) | 15000(SI <=5L) 25000(SI >5L)","sources":[{"clause":"Excl18","heading":"Maternity: (Code Excl18)","page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl18"},{"clause":"Excl18(a)","heading":null,"page":18,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-excl18-a"},{"clause":null,"heading":"3.2.14 Optional Benefit : Maternity and New Born Baby","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-14-optional-benefit-maternity-and-new-born-b"},{"clause":"Row 1(I)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-b-2"},{"clause":"Row 9","heading":"Other Value Added Services","page":26,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-9-3"}],"law":[]},{"key":"newborn","label":"Newborn baby cover","section":"Cover","meaning":"Whether a newborn is covered from birth and for what.","status":"quote-verified","value":"New Born Baby cover is available under the optional Maternity and New Born Baby Cover. Medical expenses for an admissible newborn claim are covered up to that optional benefit's coverage amount; continuous coverage for a child aged 91 days and above requires additional premium.","display":"Optional only, within Maternity and New Born Baby Cover amount; additional premium after 91 days","note":"This is part of the optional Maternity and New Born Baby Cover.","quote":"New Born Baby cover ... The Medical Expenses incurred in respect of a New Born Baby whose claim under this Optional Benefit is admissible by the Company shall be indemnified up to the 'Optional Benefit :\nMaternity and New Born Baby cover' coverage amount ... For continuous coverage under this Policy of the child of 91 days and above, an additional premium would be required to be paid.","sources":[{"clause":null,"heading":"New Born Baby cover","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-new-born-baby-cover"},{"clause":"Row 1(I)(a)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-3"},{"clause":"Row 1(I)(b)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-b-3"}],"law":[]},{"key":"mental_illness","label":"Mental illness","section":"Cover","meaning":"Cover for in-patient treatment of mental illness.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 3","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch III I","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(4)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 2(1)(s)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"},{"title":"The Mental Healthcare Act, 2017","section":"Section 21(1)","url":"https://indiainsurances.com/law/mental-healthcare-act-2017"}]},{"key":"health_checkup","label":"Health check-up","section":"Cover","meaning":"Free preventive check-ups and how often.","status":"quote-verified","value":"Annual Health Check-up is an optional benefit. If opted, the company arranges annual health check-up through cashless facility at its network in India, and it is available once during a policy year per insured person.","display":"Optional Annual Health Check-up, once during a Policy Year per insured person","note":"Optional benefit.","quote":"3.2.15 Optional Benefit : Annual Health Check-up ... On the Insured Person's request, through Cashless Facility, the Company will arrange for the Insured Person's Annual Health Check-up for the list of medical tests specified below at its Network to provide the services, in India ... This Benefit shall be available only once during a Policy Year per Insured Person;","sources":[{"clause":null,"heading":"3.2.15 Optional Benefit : Annual Health Check-up","page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-15-optional-benefit-annual-health-check-up"},{"clause":"Row 1(I)(b)(i)","heading":null,"page":15,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-b-i"},{"clause":"Row 1(I)(a)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-row-1-i-a-4"}],"law":[]},{"key":"opd","label":"Out-patient (OPD) cover","section":"Cover","meaning":"Doctor consultations, tests and medicines without admission, and the limit.","status":"quote-verified","value":"OPD Care is an optional benefit covering out-patient consultations and diagnostic examinations through reimbursement or cashless facility up to the amount or limit in the policy schedule. The schedule states coverage amount Rs.1,000-10,000 in multiples of Rs.1,000 with consultation limits depending on chosen coverage amount.","display":"Optional OPD Care for consultations and diagnostics, Rs.1,000-10,000","note":"OPD Care is optional.","quote":"The Company will indemnify the Insured Person, through Reimbursement/Cashless Facility, for availing Out-Patient Consultations and Diagnostic Examinations, up to the amount/limit specified against this Optional Benefit in the Policy Schedule, during the Policy Year. ... OPD Care | Coverage amount: Rs.1,000 - 10,000 (in Multiple of 1,000) Coverage offered under this benefit is for Consultation & diagnostic charges. For Coverage amount: - Rs.1,000 - 5,000 - Max limit of Rs.500 per consultation with max of 3 consultations in a Policy Year. - Above Rs.5,000 - Max limit of Rs.1,000 per consultation with max of 3 consultations in a Policy Year","sources":[{"clause":null,"heading":"3.2.5 Optional Benefit : OPD Care","page":13,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-3-2-5-optional-benefit-opd-care"},{"clause":"Row 5","heading":"OPD Care","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-row-5-2"}],"law":[]},{"key":"zone_pricing","label":"Zone or city-based premium","section":"Premium","meaning":"Whether premium or co-pay depends on the city you are treated in.","status":"quote-verified","value":"Premium pricing is zonal. Zone 1 is Mumbai, Thane, Delhi including Faridabad, Gurgaon, Ghaziabad and Noida, Ahmedabad, Baroda and Surat; Zone 2 is Bangalore, Pune, Nasik and rest of Gujarat; Zone 3 is rest of India.","display":"Zonal Pricing: Zone 1, Zone 2 and Zone 3","note":null,"quote":"Pricing | Zonal Pricing 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.","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[]},{"key":"cashless","label":"Cashless treatment","section":"Claims","meaning":"Whether and where the insurer pays the hospital directly instead of you paying and claiming back.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"claims_handled_by","label":"Claims handled by","section":"Claims","meaning":"The insurer itself or a third-party administrator (TPA).","status":"quote-verified","value":"Claims incurred in India are dealt with by the company directly.","display":"Company directly","note":null,"quote":"All claims incurred in India are dealt by the | availability in the Policy Year even if the overall\nCompany directly.","sources":[{"clause":null,"heading":"6.1.4. Claims Intimation","page":25,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478#c-6-1-4-claims-intimation"}],"law":[]},{"key":"family_floater","label":"Family floater available","section":"Cover","meaning":"Whether one sum insured can be shared by the whole family.","status":"quote-verified","value":true,"display":"Floater: 1A1C/ 1A2C/ 1A3C/ 2A/ 2A1C/ 2A2C/ 2A3C","note":null,"quote":"Cover Type | Floater: 1A1C/ 1A2C/ 1A3C/ 2A/ 2A1C/ 2A2C/ 2A3C","sources":[{"clause":"1","heading":"ELIGIBILITY CRITERIA","page":1,"url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467#c-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Care Classic - Policy Terms Conditions (effective from 09-April-2025 )","pages":38,"fetched_at":"2026-10-20 01:59:53+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-classic---policy-terms--conditions-(effective-from-09-april-2025-).pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19478"},{"kind":"wording","label":"Care Classic (IRDAI copy)","pages":38,"fetched_at":"2026-10-20 01:48:10+00","source_url":"https://irdai.gov.in/documents/37343/931203/Care+Classic.pdf/7be83790-6e88-553b-b72b-a21de4930483?version=1.2&t=1668753400254&download=true","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/27345"},{"kind":"prospectus","label":"Care Classic - (Health Insurance Product)-Prospectus Cum Sales Literature","pages":39,"fetched_at":"2026-10-20 01:59:19+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-classic---(health-insurance-product)-prospectus-cum-sales-literature.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19467"},{"kind":"cis","label":"care classic - customer information sheet","pages":13,"fetched_at":"2026-10-20 01:58:43+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care_classic_cis.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19450"},{"kind":"brochure","label":"Care Classic - (Health Insurance Product)-Brochure","pages":4,"fetched_at":"2026-10-20 01:58:45+00","source_url":"https://cms.careinsurance.com/cms/public/uploads/download_center/care-classic---(health-insurance-product)-brochure.pdf","url":"https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526/document/19451"}],"versions":[{"uin":"CHIHLIP22071V012122","version":null,"approved_on":null},{"uin":"CHIHLIP26048V022526","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Care Health Insurance official website","url":"https://www.careinsurance.com","note":"Website as listed by IRDAI. Not checked: the site blocks automated requests (bot wall) for our crawler on 2026-10-19; we do not bypass walls."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"care classic (UIN CHIHLIP26048V022526), IndiaInsurances, https://indiainsurances.com/policy/care-health-insurance/care-classic-chihlip26048v022526"}