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Zone Based Health Insurance

Zone Based Health Insurance

Zone-based health insurance covers your healthcare expenses with an affordable premium based on your city of residence. The policy promises access to quality healthcare facilities no matter where you live or avail of treatment.

  • Get All-India Coverage with a Zone-Based, Affordable Premium
  • Avail Add-on Benefits of OPD-cover, Diagnosis, and Consultations
  • Attend your Family during Emergency with Compassionate Travel Coverage
  • Benefit from Value-Added Services, like Doctor on Chat, Health Tips, and More
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Care Classic- Zone-based Health Insurance Policy

India is a diverse nation, where everything from people's lifestyles to living conditions differs across the regions. Also, there's a significant difference between a metro city's health infrastructure and facilities compared to a smaller town’s infrastructure.

At Care Health Insurance, we introduce Care Classic—the most comprehensive zone-based health insurance for families residing across cities in India. Our city-based health insurance policy ensures that our customers get the right coverage at an affordable premium, irrespective of their city zones.Further, in order to meet the diverse demands of our customers, we provide this health insurance plan in both an individual basis and a family floater cover.

Our zone-based health cover helps families stay protected with budget-friendly medical insurance no matter where they live or avail of healthcare treatment. Choose zone-based pricing provision if you want to save more on your health insurance policy while expanding your coverage across India.

What is Care Classic Health Insurance?

Your age, gender, and pre-existing diseases are some of the factors that determine your health insurance premium. But do you know that the city you reside in also plays a vital role while calculating a premium? While healthcare expenses are lower in smaller towns, high-end infrastructure and modern facilities cause the treatment costs to shoot through the roof in metro cities.

In this plan, you have to pay the premium according to your city zones without bearing the high treatment cost of urban areas. This way, insured members from smaller towns can save up to 30% on premium amounts compared to metropolitan centres.

What is the Meaning of Zone in Health Insurance Policy?

It is common knowledge that healthcare in larger metropolitan cities costs more than in smaller towns. That is why insurance providers have curated zone-based health insurance policies to make seeking healthcare more affordable for those in smaller towns.

Zone in this respect means the cities that are classified as per their overall infrastructure and population are categorised into zones.

Types of Health Insurance Zones in India

Zones Zone Description
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

Health insurance zone list will help you identify your city zone based on the PIN Code of your city.

Also, we offer a multi-year policy discount on the premium to reduce your financial burden. As medical inflation is increasing rapidly, Care Classic is the perfect investment that provides financial protection to you and your family during a medical emergency anywhere, anytime. Therefore, this health insurance plan is essential for citizens from every walk of life staying in different parts of India.

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Look for best health plan that suits your need!

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Zone Based Health Plan

Zone-Based Plans with Affordable Premium in Your City

  • Zone-Based Premium Calculation to Reduce Payouts
  • Assisted Reproductive Treatment Cover
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons

Key Features of Care’s Zone-based Health Insurance Plan

Care zone-based medical insurance policy offers expansive coverage to your entire family. It is an exclusive healthcare plan including valuable features, like:

  • A zone-based premium calculation to reduce insurance payout
  • Available on a family floater basis
  • Inclusive Annual Health Check-up Benefit
  • OPD care (Optional Benefit), including consultation & diagnostic charges
  • Wide range of sum insured ranges from 5 Lacs to 15 Lacs
  • Coverage for compassionate travel
  • Unlimited E-Consultations with General Physicians
  • Cashless hospitalisation facility across 9400+ network hospitals
  • Offer value-added services such as health portal-doctor on chat, & healthy tips reminder, and discount connect – for discounts on services at our network.

Benefits of Buying Zone-based Health Insurance

Buying health insurance is imperative to your financial well-being. However, opting for zone-based health insurance will benefit you in the following ways-

  • Reduced Premium: There's a reasonable difference in the premium amount paid by city dwellers and smaller district families. With this plan you pay an affordable premium determined by the zone in which your city falls.
  • Extensive Coverage: Our zonal health plan offers comprehensive coverage during an emergency or planned hospitalisation. It provides expansive insurance coverage from pre and post-hospitalization medical expenses to domiciliary hospitalisation and a no-claim bonus.
  • Cashless Facility: 9400+ cashless network hospitals are associated with every Care Health Insurance plan. There is no need to pay hefty hospital bills from your pocket, we will directly settle your insurance claim with our network of hospital spread across India.
  • Easy Claim Settlement: At Care, you can rely on us for a hassle-free claim. Filing a medical insurance claim involves a few simple steps to get immediate financial assistance during an emergency.
  • Inclusive Annual Health Check-up: Like all the health insurance covers we offer, the Care Classic plan comprises a mandatory annual health check-up for all insured members. The cost of these yearly health check-ups is already included in the basic premium amount.
  • Add-on Benefits: This plan is complemented with essential, optional benefits of OPD care. OPD care covers your OPD visits for minor ailments, such as minor injuries, ENT consultations, diagnosis, etc.
  • Unlimited E-Consultations: With health insurance policy, you can avail of unlimited online consultations from general physicians without paying anything extra.
  • Tax Benefit: Under section 80D of the Income Tax Act of India, you can now avail up to Rs. 75,000 tax benefit with this family health insurance policy.

What is Covered under Care Classic?

Staying secure with our zone-based health insurance plan is better than falling prey to an unforeseen emergency. Investing in zone-based health insurance is wise to get comprehensive coverage at an affordable premium.

Let's understand in detail what all the policy covers:

In-Patient Care- We cover the expenses incurred for in-patient care, including doctor's fees, ICU charges, OT charges, room charges, etc.

Pre and Post Hospitalization Expenses- Medical expenses for 60 days before and 90 days after hospitalisation are covered so that the petty medical expenditures do not stress you financially.

Day Care Treatments- You can go for daycare treatments requiring hospitalisation for less than 24 hours. We cover all daycare procedures under Care Classic.

Advance Technology Methods- The plan includes advanced technology methods like robotic surgery, balloon sinuplasty, brain stimulation, etc., as these are minimally invasive surgeries with fewer side effects.

AYUSH Treatment- If you are also an Ayurveda believer, you can go for the AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) treatment without hesitation, for we cover its expenses under the policy.

Domiciliary Hospitalization- If your medical conditions do not allow you to visit the hospital or if no beds are available in nearby hospitals. We include the expenses and give you coverage up to SI.

Organ Donor Cover- It is a life-saving initiative, and we cover medical expenses up to SI incurred by you towards your organ donor while undergoing organ transplant surgery.

Ambulance Cover- You will get an ambulance cover for an all-road emergency ambulance you hire. We reimburse your ambulance expenses up to Rs.1,000 per policy year so that nothing hinders your treatment.

No Claim Bonus- We offer no claim bonus for every claim-free year, a maximum of up to 150% SI, reducing the claim at the same rate as it was accrued.

Second Opinion- We arrange a second opinion for you within India from our empanelled doctors once a policy year for significant illness/ injury for all the insured members without impacting the sum insured.

What is Not Covered in Care Classic?

Listed below are the exclusions of family health insurance plans that are not admissible under the policy:

  • 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 attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences
  • Tests and treatment relating to infertility and in vitro fertilisation
  • War, riot, strike, nuclear weapons-induced hospitalisation

How to Buy Care Classic Health Insurance Plan Online?

We ensure you can seamlessly opt for every health insurance policy at Care’s online portal. You can opt for the Care Classic plan online in a few simple steps:

  • Step 1: Go to our official website and select Care Classic
  • 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: Customize 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, payment wallet, and pay your health premium online
  • Step 9: You will receive a health insurance policy document on your registered email id, including your policy numbers and e-card.

Voice Of Customer

rahul yadav December 04, 2023
Care Classic

Helpful and Easy Investment

I have never understood insurance until I used Care health insurance. Their team is very helpful and cooperative.
Harjot Singh December 01, 2023
Care Classic

happy with the customer service

claim filing was made easy through claim genie app. thank you care for such great apps
chaman chheda December 01, 2023
Care Classic

nice team

Recently visited my local branch in mathura for policy renewal. The environment is so awesome and team is helpful that I was compelled to post review on their site. Na sirf insurance renew kiya pr online kaise kr skte hain ye bhi sikha diya.
Ganeshprasad Solanki December 01, 2023
Care Classic

Nice claim process thoda

their service and plan is very good and easy to understand. With that, the customer support team is friendly give best solution for query. Good environment and helpful people to deal with. Bas online claim process thoda aur fast ho jaye....
Rohan pathak December 01, 2023
Care Classic

service bahut achhi hai

Claim settlement me koi dikkat nhi hue. Customer service ke logo ne pura sahyog kiya.
Shashi Kant Sharma December 01, 2023
Care Classic

online support team is nice

Maybe this is because i called at working hours, but the online sales team was quick. I had a word with Jaya and she quickly initiated cashless hospitalisation process.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs on Zone Based Health Insurance

Q. How is Care Classic different from traditional health insurance?

It is an indemnity-based health insurance plan in which the premium is calculated based on your city, age, number of insured members, and pre-existing ailment, if any.

Q. What is the minimum age limit?

The minimum age limit of the proposer is 18 years, whereas you can include your 91-day old child in a family floater.

Q. What is the Maximum Entry Age?

The maximum entry age for adults is 65 years, and for the child is 24 years.

Q. How many network hospitals that the company tied up with?

We have tied up with around 9400+ network hospitals in different cities across India.

Q. Is there any criteria for buying a Care Classic Health Policy?

To buy the Care Classic Health plan, the proposer must be of 18 years of age. You can include your 91 days baby under the family floater plan.

Q. Do I need to undergo medical tests to buy Zone-based Health Insurance?

No pre-policy medical check-up is required to buy this policy. However, we may ask the insured to undergo telephone underwriting based on health conditions and past medical history.

Q. Can I get Care Classic Zone-Based Health Insurance online?

You can easily register for a zone-based health insurance plan online by visiting the official care health insurance website.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

**Number of Claims Settled as of 31st March 2024

^^Number of Cashless Healthcare Providers till 31st March 2024

^10% discount is applicable for a 3-year policy.

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