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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
  • Enjoy Parenthood with Coverage for IVF Treatment
  • 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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    Why Choose Care Classic by CHIL?

    India is a diverse nation, where everything from people's lifestyles to living conditions is different across cities and states. Also, there's a significant difference between a metro city's health infrastructure and facilities compared to a smaller town. For instance, the same basic medical treatment costs less in Patna but becomes unbearably high in the Delhi NCR region.

    At Care Health Insurance, we understand that families living in different Indian cities have access to different healthcare facilities. That is why we introduce Care Classic—the most comprehensive zone-based health insurance for families residing across various cities of India. Since hospitalization expenses in smaller towns are lower than in the metros, that is why with our city-based health insurance policy, we ensure that our customers avail the right health insurance 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 where they avail of healthcare treatment. So, choose Care Classic's zone-based pricing provision to save more on your health insurance policy while expanding your coverage across India.

    What is Care Classic Health Insurance?

    Care Classic is the latest addition to the wide range of health insurance covers offered by CHIL. Under Care Classic, families residing in different Indian cities can avail suitable medical insurance by paying an affordable, zone-based premium without compromising healthcare services.

    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. Greater the medical facilities in your town, higher the cost of treatment. That's why health insurance premium in metro cities is higher in comparison with outlying districts.

    Therefore, CHIL is offering Care Classic to provide comprehensive coverage to Indian citizens irrespective of their cities. It is unique zone-based health insurance where policyholders pay the premium according to their 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 centers.

    Moreover, under Care Classic's zone-based health cover, insured family members can freely access medical treatment anywhere in India, irrespective of the city zone where the policy is purchased.

    For this plan, we have divided cities into three given zones:

    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

    You can identify your city zone based on the PIN Code of your city.

    Additionally, the optional benefits, such as OPD care and annual health check-up, are helpful add-ons to expand your healthcare coverage.

    Also, we offer a multi-year policy discount on the premium to reduce your financial burden. As medical inflation is inching higher every year, Care Classic is the perfect investment that provides financial protection to you and your family during a medical emergency anywhere, anytime. Moreover, you get a wide range of sum insured options with the flexibility to add new members to the policy (at the time of renewal) and customize it per your healthcare needs and available medical facilities in your city. Therefore, this health insurance plan is a crucial help for the citizens from every walk of life staying in different cities of India.

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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 & Individual 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 Classic

    CHIL's 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
    • Coverage for assisted reproductive treatments like IVF
    • Wide range of sum insured ranges from 5 Lacs to 15 Lacs
    • Coverage for compassionate travel
    • Unlimited E-Consultations with General Physicians
    • Cashless hospitalization facility across 8350+ 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 the zone-based Care Classic health insurance is essential to save on your premium costs determined by your hometown, among other factors.

    Care Classic Zone-based mediclaim policy comes attached with the following benefits:-

    • Reduced Premium: There's a reasonable difference in the premium amount paid by city dwellers and smaller district families. With Care Classic, you pay an affordable premium determined by the zone in which your city falls. A budget-friendly premium enables you to avail of the appropriate healthcare facilities as per your needs.
    • Extensive Coverage: Our zonal health plan offers comprehensive coverage to you and your family during an emergency or planned hospitalization. Care Classic provides expansive insurance cover from pre and post-hospitalization medical expenses to domiciliary hospitalization and no-claim bonus.
    • Cashless Facility: There are 8350+ cashless network hospitals associated with almost every Care Health Insurance plan. There is no need to pay hefty hospital bills from your pocket, as with Care Classic, we will directly settle your insurance claim with our network hospital spread across India.
    • Easy Claim Settlement: At CHIL, you can rely on us for a hassle-free claim settlement process with a 95.2% claim settlement ratio as of 2020-21 . Filing a medical insurance claim involves a few simple steps, so you get immediate financial assistance during an emergency.
    • Inclusive Annual Health Check-up: Like all the health insurance covers offered at CHIL, the zonal Care Classic mediclaim plan comprises a mandatory annual health check-up for all insured members. It helps your family to track your health condition and improvements. The cost of these yearly health check-ups is already included in the basic premium amount.
    • Add-on Benefits: The Care Classic healthcare insurance is complemented with an 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: When it comes to critical health issues, it is always better to consult an expert. With Care Classic health insurance policy, you can avail of unlimited online consultations from general physicians without paying anything extra.
    • Value-added Features: You need not visit the hospital every time concerning a minor health-related query. Now you can get all the help you need right at CHIL's digital portal, including quick chat options, health tips, reminders, and more.
    • Network-based Discounts: Make the most of your network hospitals through CHIL's Discount Connect feature that offers special discounts on services at the specified network hospitals.
    • Additional Coverage: We understand the importance of loved ones who travel with you during any treatment. With Care Classic, we offer reimbursement of compassionate travel and assisted reproductive treatment.
    • 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 in Care Classic Health Insurance Plan?

    A medical emergency can be an unwanted guest in any city, so better to stay secured with our Care Classic zone-based health insurance plan. In this testing time, when medical inflation is rising and treatment costs are skyrocketing, it's wise to invest in zone-based health insurance to get comprehensive coverage at an affordable premium.

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

    In-Patient Care- We care for your health; that is why 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 hospitalization are covered so that the petty medical expenditures do not give you financial stress.

    Day Care Treatments- Thanks to medical advancement! You can go for the daycare treatments that involve hospitalization for less than 24 hours. We cover all daycare procedures under Care Classic.

    Advance Technology Methods- We continue adding value to our insurance plans by covering complex surgeries. The Care Classic policy includes advanced technology methods like robotic surgery, balloon sinuplasty, brain stimulation, etc., as these are minimally invasive surgeries and have fewer side effects.

    AYUSH Treatment- Conventional and contemporary treatments- the duo is getting popular. If you are also an Ayurveda believer, you can go for the AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) treatment without hesitation, for we cover its expenses under the policy.

    Domiciliary Hospitalization- This facility is available per the doctor's advice 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 the coverage up to SI.

    Organ Donor Cover- We salute the people who come forward for this noble cause. 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 that you hire. We reimburse your ambulance expenses up to Rs.1,000 per policy year so that nothing creates a hindrance in your treatment.

    No Claim Bonus- Cheers! Get the reward to stay fit. 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- When it comes to health, you want reassurance. We arrange a second opinion for you within India from our empanelled doctors once in a policy year for major illness/ injury for all the insured members without impacting the sum insured.

    Unlimited Automatic Recharge- Do not worry about exhausting your insurance limit. Under Care Classic, you can avail of unlimited automatic recharge up to SI for the unrelated or same illness.

    Unlimited E-Consultation- Avail unlimited e-consultation with General Physicians to get assistance with any medical concern from anywhere, anytime.

    Assisted Reproductive Treatment- We offer coverage for assisted reproductive treatment with a 3-year waiting period under this zonal health plan to encourage your family expansion.

    Compassionate Travel- Being with family members during the treatment gives you hope and moral support. Therefore, we also cover your expenses for compassionate travel that helps you get better soon.

    Value-Added Services- We also offer value-added services like CHIL's health portal that includes doctor on chat, healthy tips reminder, etc., and discount connect for various deals on services at our network.

    *Please read the brochure and prospectus to know more about our health insurance plans cover as these may vary.

    Optional Benefits of Care Classic

    The Care Classic medical insurance addresses all the primary healthcare requirements of families living across Indian cities. Additionally, you can boost the zonal health coverage with some optional benefits, as below:

    OPD Care: Trivial medical expenses can create a substantial financial burden collectively. It is beneficial to opt for this OPD Care optional benefit that covers consultation & diagnostic charges.

    Inclusive Annual Health Check-up:Regular body check-ups help you stay on top of your health and reduce health risks. As a mandatory add-on, the benefit of annual health check-ups is already inclusive in the Care Classic cover for all insured members,

    How to Buy Care Classic Health Insurance Plan Online?

    In the digital age, we ensure that you can opt for every health insurance policy at CHIL's online portal in a seamless way. You can opt for the Care Classic plan online in 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 your 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.

    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 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 fertilization
    • War, riot, strike, nuclear weapons induced hospitalization

    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 premium is calculated based on the city you live in, your age, number of insured members, and pre-existing ailment, if any.

    Q. What is the minimum age limit for the Care Classic Health insurance Plan?

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

    Q. What is Maximum Entry Age under Care Classic Health insurance Policy?

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

    Q. How many network hospitals that the company has tied up for Care Classic?

    We have tied up with around 8350+ network hospitals in different cities across India.

    Q. What are the benefits of Care Classic Medical Insurance Policy?

    It is beneficial to get comprehensive coverage at reduced premium based on your city of residence zone. With multi-year policy discounts, you will get value-added services that give you access to the best healthcare facilities in your town without financial constraints.

    Q. Is there any criteria to buy 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 person to undergo telephone underwriting based on health conditions and past medical history.

    Q. Is there any tax exemption under Care Classic Zonal Health Cover?

    Under section 80D of the Income Tax Act of India 1961, the Premium paid for the policy gets tax exemption up to Rs.75,000. However, tax deductions are subject to rules and regulations of the Income Tax Act of India.

    Q. Can I get a cashless hospitalization facility under Zone-Based Health Insurance?

    Yes, all insured members will get the cashless hospitalization facility under this plan at our 8350+ cashless network hospitals in different cities across India.

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

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

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

    *Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

    ^^Number of Cashless Healthcare Providers till 25th March 2022

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

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