Care Classic: what the policy wording covers
Care Classic (UIN CHIHLIP26048V022526) adds 25% of the sum insured for each claim-free year, up to 150%, and refills your base cover unlimited times a year. Anyone who is 61 or older when the policy is first issued pays 20% of every claim. The room is a single private AC room or 1% of the sum insured a day, and cataract and modern treatments have caps. It pays 60 days before and 90 days after a hospital stay.
Key limits
| Item | What the wording says |
|---|
| Co-payment | 20% on every claim if the insured, or the eldest on a family plan, is 61+ at first issue. A paid waiver can remove it. |
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| Hospital room | Single private AC room, or up to 1% of the sum insured a day, as your schedule says. The 1% limit applies under ₹5 lakh cover and can be upgraded. |
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| ICU | Up to 2% of the sum insured a day, or no limit. |
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| Cataract and modern treatments | Capped at the amounts in your schedule. A paid add-on removes these caps. |
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| Before and after a hospital stay | 60 days and 90 days. |
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How your cover grows
- No claims bonus: 25% of the sum insured for each claim-free year, up to 150%. A claim reduces it at the same rate.
- Unlimited Automatic Recharge: after base cover, bonus and any accident cover are used up, the base sum insured is refilled unlimited times that year, for the same or a different illness.
Waiting periods
| Waiting period | What the wording says |
|---|
| Any illness after you first buy | 30 days. Accidents are covered from day 1. |
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| Pre-existing diseases | 36 months, or 24 with an add-on. Instant Cover starts diabetes, high blood pressure, cholesterol and asthma cover early. |
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| Listed illnesses and surgeries | 24 months. |
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| Maternity (add-on) | 24 months, for up to 2 living children. |
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Frequently asked questions
Does Care Classic have a co-payment?
Only if the insured, or the eldest member of a family plan, is 61 or older when the policy is first issued. Then 20% of every claim is yours, unless you buy the waiver.
What is the bonus in Care Classic?
25% of the sum insured for each claim-free year, up to 150%.
Does Care Classic cover maternity?
Only through the Maternity and New Born Baby Cover add-on, after a 24-month wait.
Are there sub-limits in Care Classic?
Yes. Cataract and the listed modern treatments are capped at the amounts in your schedule, unless you buy the waiver add-on.
Compare these plans clause by clause
Where this comes from
- Care Classic policy terms and conditions (effective 9 April 2025), UIN CHIHLIP26048V022526. Clauses 3.1.1 (vii), 3.1.3, 3.1.5, 3.2 optional benefits incl. 3.2.4, Excl01, Excl02.
Checked against the wording on 2026-10-09.
Terms on this page, explained
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