Save tax up to ₹75,000 ~ u/s 80D.

Care Classic- Zone Based Health Insurance Plan

The zone-based health insurance offers customized premium based on your region and promises access to quality healthcare facilities no matter where you live or avail of treatment.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

Get an Unparalleled Zone Based Healthcare Plan

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Save Upto 10% on Health Insurance Premium~~

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What is Care Classic - Zone-Based Health Insurance?

Care Classic is the most comprehensive zone-based health insurance plan for families residing across various cities in India. 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 exorbitantly high in metro cities like Delhi and Mumbai.

At Care Health Insurance, we understand that families living in different Indian cities have access to different standards of healthcare facilities. 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 you avail the right health insurance coverage at an affordable premium regardless of your region. So, choose Care Classic's zone-based pricing provision to save more on your health insurance policy while expanding your coverage across India.

Plan Highlights of Care Classic- Zone Based Health Insurance

  • Get pan India Coverage with our zone based plan at affordable premium
  • Enjoy parenthood with coverage for assisted reproductive treatment
  • Add-on benefits of OPD-cover, Diagnosis, and Consultations
  • Coverage for the cost of travel of an immediate family member in case you are admitted for treatment under life threatening medical condition far away from your city of residence

Cover Highlights

Ambulance Cover


Annual Health Check-Up


Pre & Post Hospitalization Expenses


Recharge Of Sum Insured


Domiciliary Hospitalization


Coverage Benefits under Care Classic- Zone Based Health Insurance Plan

See all Sum Insured Options east

KEY FEATURES 5L / 7L / 10L / 15L
Room Rent
info When the insured person is admitted in a hospital, the charges for  the room category opted or room rent incurred is paid by company as per the eligible room category/ room rent  specified in the policy.
Single Private A/C Room
ICU Charges
info Covers the amount charged by a hospital towards ICU expenses which shall include the expenses for ICU bed, general medical support services provided to any ICU patient including monitoring devices, critical care nursing and visit charges as per the policy coverage.
No limit
In-Patient Care
info Hospitalization for at least 24 hours- we pay for – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.
Upto SI
Day Care Treatment
info We cover medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
All Day Care Procedures
Medical Expenses
info We cover the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 60 days before your hospitalization.
Upto 60 days
Medical Expenses
info We cover the relevant medical expenses such as doctor consultation, diagnostic tests, medications etc. incurred up to 90 days post your hospitalization.
Up to 90 days
AYUSH Treatment
info Expenses incurred on admission in AYUSH hospital for more than 24 Hours is covered in policy. AYUSH means treatment using Ayurveda, Unani, Siddha and/or Homeopathy.
up to 10% of SI; Max Rs.50,000/years
Domiciliary Hospitalization
info We will indemnify for the medical expenses incurred by you during your treatment at home.
Up to SI if hospitalization exceeds 3 days,
AYUSH Treatment is part of Domiciliary Hospitalisation SI
Organ Donor Cover
info Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
Up to 10% SI
Ambulance Cover
info In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Up to Rs.1,000 per policy year
Second Opinion
info If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
Once per policy year for each insured person covering only major illness/injury.
Annual Health Check-up
info We support your initiative of remaining healthy by providing you access to one health check-up every year. We have preselected medical test that can be helpful in your wellbeing. You can book medical test through our mobile application and you will not be required to pay for the pre-selected test at lab.
Once a year for all Insured Members.
No Claims Bonus
info 25% Increase is SI for every claim free year upto 150% of SI under the policy. In case of a claim, the NCB accrued will be reduced by same rate.
25% of SI for every claim free year,
Max 150% of SI,
Unlimited Automatic Recharge
info In case your sum insured is used up due to an accident or illness, or simply because your entire family was hospitalized. In such cases, we give you the benefit to add an amount equal to sum insured at any point in your policy period.
unlimited times in a Policy Year
Not applicable on Advanced Technology Methods
Unlimited E-Consultations
info Connect with a doctor for an advice related to your health at your convenient time. this can be availed through our customer mobile application.
Consultations with General Physicians
Assisted Reproductive Treatment
info We cover IVF treatment so that family never misses joy of parenting.
Available with SI>5 Lakh
Once in every block of 3 years
Up to 2 Lac per policy year
Compassionate Travel
info We cover the cost of travel ( by Air/Train)  of an immediate family member in case you are admitted for treatment under life threatening medical condition far away from your city of residence.
Up to Rs.5,000 per policy year
Other Value Added Services Health Portal- Doctor on chat, Healthy tips reminder, etc.
Discount Connect – Discounts on services on our network.

Download the Brochure for Care Classic Complete Plan Details

Download Care Classic complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to cover your specific needs

International Second Opinion

OPD Benefit

We cover doctor consultation and prescribed medical tests which may not require admission or hospitalization.
See Details
Maternity Benefit

Annual Health Check-up

We care for your wellbeing. Hence we allow One Health Check-up every year for insured members.
See Details
Smart Select

Instant Cover

Instant coverage available for Diabetes, Hypertension, Hyperlipidemia & Asthma.
See Details
Co-payment Waiver

Co-pay waiver at age>= 61

Get a Co-payment Waiver on claims made after the age >=61 Years.
See Details
Care Shield

Care Shield

An add-on cover that provides additional 3 benefits that will provide coverage for 68 non-Payable items, Protection of Bonus and Increase coverage as per average CPI Index.
See Details
Air Ambulance Cover

Air Ambulance Cover

We will cover emergency transportation of the insured from one Hospital to another for better treatment facilities.
See Details
Protect Plus

Protect Plus

Get coverage for planned medical treatment expenses incurred outside India for disease/illness diagnosed in India.
See Details

Care Classic Plan Details

  • Minimum Entry Age

    • Floater : 91 Days with at least 1 member of age 18 years or above

  • Maximum Entry Age

    • Adult : 60 Years

    • Child : 24 Years

  • Exit Age

    • Adult : Lifelong

    • Child : 25 Years

  • Cover Type: Floater

  • Tenure Options: 1/2/3 Years

  • Zonal Pricing

    • 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.
  • Allowed Relationship: Self, Legally married spouse, son, daughter or Parents(father, mother) or In Laws( mother-in-law, father-in law).

Download Terms & Conditions
  • Any item, condition or treatment specified in the list of Non-Medical Items.

  • Taking part or is supposed to participate in a naval, military, air force operation or aviation in a professional or semi-professional nature.

  • Expenses related to any admission primarily for diagnostics and evaluation purposes are excluded

  • Expenses related to any treatment, including surgical management, reassigning the bodily features to those of the opposite sex.

  • Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured

  • Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.

  • Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof

  • Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness

For complete list of exclusions please refer to policy TnC



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.


Approval letter sent by the claim management team


Hospital/Insured to response to the query raised by the claim management team


You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions


Approval letter sent by the claim management team


Insured to response to the query raised by the claim management team


We will communicate the reason in case of rejection

24800+Health Care Providers Serving Cashless Medical Services Across The Globe

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24800+ Health Care Providers Across The Globe
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Voice of Our Customers

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 Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

48 Lakh + Claims Settled**

Cashless Claim


**Number of claims settled as of 30th March 2024     *India Insurance Summit & Awards 2023

FAQs on Care Classic

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, the number of insured members, and pre-existing ailment if any.

Q. What is the Care Classic Health insurance plan's 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 under Care Classic Health insurance Policy?

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

Q. How many cashless healthcare providers are there under Care Classic?

We have approx 20800+ cashless network providers across India under our zone-based Care Classic plan.

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

It is beneficial to get comprehensive coverage at a 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. Do I need to undergo medical tests to buy Zone-based Health Insurance?

No, a 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 the rules and regulations of the Income Tax Act of India.

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

Yes, all insured members will get the cashless hospitalisation facility under this plan at our 20800+ cashless healthcare providers in different cities across India.

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 Cashless Healthcare Providers as of 31st March 2024
**Number of Claims Settled as of 31st March 2024

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


Download the Brochure for Care Classic Complete Plan Details

Download Care Classic complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!


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