Zone Based Health Insurance

What are Zones in Health Insurance?

In health insurance, 'zones' refer to the classification of cities and regions based on healthcare costs. Health insurance companies in India use zones to adjust premiums and policies based on the insured person's location. This could ensure that customers in various cities can pay a fair premium for their health coverage.

Health Insurance Zones List in India

The health insurance zone list in India is divided into Zone A, Zone B and Zone C based on healthcare costs and infrastructure. This zone list helps you identify your city zone based on your city's PIN Code. Check out the table below to find out which zone your city belongs to:

NOTE: These zones can vary depending on the policy terms and conditions.

Key Features of Health Insurance Zones Plan

The Care zone-based medical insurance policy provides comprehensive coverage for your entire family. Some of the exclusive healthcare plan offers several valuable features, such as:

• Zone-based premium calculation to reduce insurance payouts.
• Available on a family floater basis.
• Flexibility to upgrade your zone.
• Inclusive Annual Health Check-up Benefit.
• OPD care (Optional Benefit), including consultation & diagnostic charges.
• A wide range of sum insured options from 5 Lakh to 1 crore.
• Coverage for compassionate travel.
• Unlimited E-Consultations with General Physicians.
• Cashless hospitalisation facility across 21700+ network hospitals.
• PAN India treatment access.

Benefits of Buying Zone-based Health Insurance

Buying health insurance is crucial for your financial well-being. However, choosing zone-based health insurance will bring you the following benefits:

• Affordable Premium: With this plan, you pay a lower premium if you reside in a city with affordable healthcare (Zone B and Zone C) without compromising coverage.
• Extensive Coverage: Our zonal health plan offers comprehensive coverage during an emergency or planned hospitalisation. It provides comprehensive insurance coverage from pre- and post-hospitalisation medical expenses to domiciliary hospitalisation and a no-claim bonus.
• Flexibility to Upgrade Zone: You can easily upgrade your health insurance if you move to another city, ensuring full claim coverage.
• Cashless Facility: Every Care Health Insurance plan is associated with 21700+ cashless network hospitals. No need to pay big hospital bills; we will directly settle your insurance claim with our network of hospitals across India.
• Better Value for Families: Zone-based health insurance premiums allow families to save more by covering multiple members under one policy.
• Easy Claim Settlement: You can rely on Care for hassle-free claims. We’ve made filing a medical insurance claim super easy with just a few simple steps, for immediate financial assistance in emergencies.
• Add-on Benefits: These zone-based health policies provide optional benefits, such as OPD care, daycare treatments, a No-Claim Bonus, an Annual Health Check-up, and pre- and post-hospitalisation expenses.
• Unlimited E-Consultations: A health insurance policy allows unlimited online consultations with general physicians at no additional cost.
• Tax Benefit: Under section 80D of the Income Tax Act of India, you can now avail yourself of up to Rs. 75,000 in tax benefits with this family health insurance

Recommended Health Insurance Plans Based On Zone 1, Zone 2 and Zone 3

Choosing the right zone-based policy can help you save 10 to 20% on premiums while providing nationwide coverage. Additionally, you can upgrade your zone if you frequently travel to or receive treatment in more expensive cities (at the time of renewal).

What is Covered under Zone-Based Health Insurance Plans?

Securing your health with our zone-based insurance plan is better than dealing with emergencies. Zone-based health insurance offers comprehensive coverage at an affordable premium. Here’s what the policy covers:

• In-patient Care: We cover expenses associated with inpatient care, including physician fees, ICU costs, operating room charges, medical tests, and room rents.
• Pre- and Post-hospitalisation Expenses: Coverage for medical costs before and after hospitalisation. (Pre- and post-hospitalisation days can vary according to policy).
• Daycare Treatments: You can get daycare treatments requiring hospitalisation for less than 24 hours. We cover all daycare procedures under our zone-based insurance plan.
• AYUSH Treatment: If you believe in Ayurveda, you can confidently pursue AYUSH (Ayurveda, Unani, Siddha, and Homoeopathy) treatment, as we cover its costs under the policy.
• Domiciliary Hospitalisation: We cover expenses up to the sum insured (SI) if your condition prevents you from visiting a hospital or if no beds are available nearby.
• Ambulance Cover: Coverage is provided for the all-road emergency ambulance. Some policies also cover the air ambulance.
• No Claim Bonus: We offer a no-claim bonus for each claim-free year, up to 150% SI, reducing claims at the same rate as accrued.
• Family Floater Options: Individual and family coverage are available under a single plan across different zones.

What is Not Covered in Zone Insurance?

The following items are excluded from coverage under family health insurance plans:

• Any diagnosis of diseases / undergoing surgery/ occurrence of an event whose signs or symptoms first occur within 30 days of the policy period start date
• Expenses for self-inflicted injuries, including those resulting from suicide or attempted suicide
• Expenses resulting from the use, misuse, or abuse of alcohol or drugs
• Treatment related to pregnancy, childbirth, miscarriage, abortion, and their complications

How is the Premium Calculated under Zone-based Health Insurance Policies?

Premiums are calculated based on the unique characteristics and healthcare costs of Zone A, Zone B and Zone C in health insurance. Below are the factors that affect zonal premium calculations:

• Healthcare Expenses: Higher medical expenses in a specific area lead to increased premiums.
• Number of Insured Persons: An increase in family members results in a higher premium.
• Risk Assessment: Premiums are generally higher in areas with higher health risks or more widespread diseases.
• Demographics: Age distribution and population health metrics within a zone impact premium costs.
• Claim History: Past claim data from a zone can affect future premium pricing.

Insurance providers ensure the zonal health policy is reasonable and covers policyholders' healthcare needs in each zone.

How do you choose between Zone A, Zone B, and Zone C?

Picking the best zone-based policy helps you pay less premium and get the needed coverage. Here is a comparison to determine what best suits your city and healthcare needs.

NOTE: These zone factors and services can vary depending on the policy terms and conditions.

How to Buy a Zone-based Health Insurance Plan Online?

We guarantee you can effortlessly select any health insurance policy through Care’s online portal. You may choose the Zone-based Health Insurance plan online by following these easy steps:

Step 1: Go to our official website and select the best Health Insurance plan.

Step 2: Enter the required details, including mobile number and PIN code.

Step 3: Click on "Get the Quote".

Step 4: Choose the plan that suits your health insurance needs.

Step 5: Customise your policy by selecting the ideal policy tenure, the sum insured, and optional benefits.

Step 6: Fill in the relevant details, such as age, occupation, pre-existing diseases, etc.

Step 7: Submit the documents if required.

Step 8: You can choose convenient payment modes using any secured payment mode, like net banking, debit or credit card, or payment wallet, and pay your health premium online.

Step 9: You will receive a health insurance policy document, including your policy numbers and e-card, on your registered email ID.

Why Choose Zone-based Health Insurance Plans from Care Health Insurance?

Choosing the right health insurance is crucial, especially with zone-based options. Here’s why Care Health Insurance is a wise and dependable choice for you and your family:

Customizable Zone-based Plans: Care Health Insurance provides reliable, zone-based plans to maximise savings while ensuring comprehensive health coverage.

• Wide Cashless Network: Access over 21,700+ cashless hospitals across all zones from Zone A, Zone B and Zone C.
• Affordable Premiums: Whether in an expensive metropolitan area or a smaller town, Care Health Insurance offers a zone-based plan that suits your budget.
• Transparency: Understand precisely how your premium is determined in your city, with no hidden costs, just transparent protection.
• Easy to Process: You can easily compare, customise, and purchase your favourite zone-based health insurance plan online at www.careinsurance.com.
• Multiple Plan Options: Choose from Ultimate Care, Care Supreme, Care Advantage, or Care Classic, all offered with zone-based pricing to enhance your control over healthcare costs.
• PAN India Coverage: Regardless of your location in India, Care Insurance guarantees coverage that accompanies you wherever you go.