Understand How Your Locality Affects Health Insurance Premium


Understand How Your Locality Affects Health Insurance Premium

Healthcare expenses vary across Indian cities and towns. Metropolitan areas often incur higher medical costs, contrasting with towns and non-metro cities, where healthcare expenses tend to be relatively more affordable. For instance, medical treatment required for a 2-day hospitalisation may be higher in the national capital, New Delhi, than in Bhopal, Madhya Pradesh. So, getting similar health insurance premiums may not be possible for people living in different parts of the country. This is when zone-based health insurance such as Care Classic becomes important. Let's dig deeper into how different zones work in defining insurance premium. 

What are Zones in Health Insurance?

India is divided into three major zones based on the population of the cities and various other factors. These zones are also utilised by health insurance companies to offer zone-based health insurance plans. Based on the zone your location falls in, you may pay 10-20% less premium if the medical cost of the city is low. Check out more details about what is zone 1 and zone 2 in health insurance:

  • Zone 1: Delhi (including Faridabad), Mumbai, Surat, Thane, Gurgaon, Ghaziabad, Noida, Ahmedabad, and Baroda.
  • Zone 2: Pune, Bangalore, Nasik, all the cities of Gujarat
  • Zone 3: Rest of the cities of India.

You may now have an idea of how insurance zones in India are divided. Zone 1 has the highest premium.

Zone-based Health Plan: Care Classic Health Insurance policy

Care Classic is a comprehensive and extensive health insurance plan available for individuals and families as well. With a sum insured of up to ₹15 lakhs, what makes Care Classic an ideal choice is its zone-based premium plans. Yes, depending on your health insurance zones in India, the premium for your health plan will be decided.

The premium for health insurance is affected by various factors like age, existing diseases of the insured, medical history, and the location of the insured. So, to ensure each insured pays for what service they avail, the Care Classic health policy aims to plan premiums that suit the medical costs of the particular location.

At Care Health Insurance, all the cities of India are divided into three zones. At the time of purchasing the policy, the executive will explain the zone in which your city falls. The premiums are charged accordingly. Zone 1 has the highest premium, followed by Zone 2 and Zone 3.

Key Features of Care Classic Health Insurance

The coverage benefit of Care Classic is extensive. Check out the pointers below to know more about city health insurance coverage and features:

Sum Insured

There are different sum-insured plans available with Care Classic so everyone can customise their plan accordingly. It starts from ₹5 lakh coverage and goes as high as ₹15 lakh.

ICU Expenses

Treatment in the ICU (Intensive Care Unit) can be quite expensive. With Care Classic, there is no limit on the coverage of ICU charges.

In-patient Hospitalisation

For treatments that require hospitalisation of more than 24 hours, in-patient hospitalisation expenses cover is applied. It covers expenses up to the sum insured.

Pre and Post-hospitalisation

Before hospitalisation, one can avail medical expense cover for up to 60 days and post-hospitalisation expenses are covered for up to 90 days.

Day Care Treatments

Daycare procedures refer to medical treatments that do not require hospitalisation. Such expenses are also covered under Care Classic.

AYUSH Treatment

Up to 10% of the sum insured, one can avail of as AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy) treatment. The maximum amount that can be availed is ₹50,000.

Organ Donor Cover

Organ donor expenses are also covered by up to 10% of the sum insured.

Assisted Reproductive Treatment

Assisted reproductive treatments are alternative options for conceiving. IVF (In-vitro fertilisation) is the most common option. With Care Classic plans of over ₹5 lakh sum insured plan, assisted reproductive treatment expenses are covered.

Apart from the aforementioned, coverage for ambulance charges, domiciliary hospitalisation, room rent, etc., are also offered.

Benefits of Purchasing Zone-based Health Plans

Now you are aware of the health insurance zone list, let's discuss the various benefits you get to enjoy with a zone-based health plan like the Care Classic Health Insurance:

Affordable Premiums

With Care Classic, you are highly likely to get an affordable premium rate. If you fall under zone C in insurance, you do not have to pay premiums equivalent to zone A since the medical rates in your city may be lower. Hence, the planned premiums save a lot depending on your city of residence.

High Sum Insured

Irrespective of the city you reside in, you get the option of availing high sum insured plans with Care Classic. There are four types of sum-insured options for you:

  • ₹5 lakhs
  • ₹7 lakhs
  • ₹10 lakhs
  • ₹15 lakhs

Depending on your requirements, you may pick a plan that best suits your needs. Remember, with an increasing sum insured, the premium may also increase.

Cover for the whole Family

Under Care Classic Health Insurance, you can get your whole family covered under a single plan and premium. The family floater plan covers the youngest member from 91 days old. However, there must be at least one individual covered in the plan who is above 18 years old. You can add your parents, spouse, and children.

Cashless Claims

Care Classic is there to make health claims easier for you further with cashless claim benefits. You do not have to pay for admissible medical expenses from your end. Care Health Insurance will directly settle bills with the hospital. To avail of cashless claims, you must get medical treatment from one of the 22,900+ Care network healthcare providers in India.

Wide Range of Coverage

There is a wide range of coverage offered under Care Classic Health Insurance. Not just in-patient hospitalisation expenses but also day care procedures are covered. Up to 60 days of pre-hospitalisation expenses and 90 days of post-hospitalisation expenses are covered. One may also avail of assisted reproductive treatment expenses. Thus the list goes on.

Tax Benefit

Tax benefits are always a cherry on top of every health insurance plan. Under Section 80D of the Income Tax Act of 1961, you can enjoy tax deductions of up to ₹1 lakh against premiums paid towards health insurance.

Pay Less with Zone-based Health Insurance

Health insurance zones play a major role in deciding the premium of the plan. Zone-based health plans like Care Classic offer not only an affordable premium but also a range of other uncommon coverage like all-day care procedures and assisted reproductive treatment. If you haven't yet invested in a health insurance plan, you may invest in Care Classic and let Care Health Insurance be your partner in the journey.

Disclaimers: The above information is for reference purposes only: Policy Assurance and Claims at the underwriter's discretion.

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