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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.
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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.
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.
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.
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.
|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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Zone-Based Plans with Affordable Premium in Your City
Health Insurance that Covers your Loved Ones
Care zone-based medical insurance policy offers expansive coverage to your entire family. It is an exclusive healthcare plan including valuable features, like:
Buying health insurance is imperative to your financial well-being. However, opting for zone-based health insurance will benefit you in the following ways-
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.
Listed below are the exclusions of family health insurance plans that are not admissible under the policy:
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:
Voice Of Customer
My appreciation for your prompt service
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Everything went very smooth
Soubhagya K Kulkarni
Really helpful explaining the process in advance
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^
38 Lakh+ Claims Settled*
CASHLESS HEALTHCARE PROVIDERS^^
^India Insurance Summit & Awards 2023
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.
The minimum age limit of the proposer is 18 years, whereas you can include your 91-day old child in a family floater.
The maximum entry age for adults is 65 years, and for the child is 24 years.
We have tied up with around 9400+ network hospitals in different cities across India.
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.
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.
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.
**Number of Claims Settled as of 31st May 2023
^^Number of Cashless Healthcare Providers till 31st Dec 2022
^10% discount is applicable for a 3-year policy.
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