Save tax up to ₹75,000 ~ u/s 80D.
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Save tax up to ₹75,000 ~ u/s 80D.
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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.
Reasons to Choose Care 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.
Cover Highlights
AMBULANCE COVER
ANNUAL HEALTH CHECK-UP
PRE & POST HOSPITALIZATION
EXPENSES
RECHARGE OF SUM INSURED
DOMICILIARY HOSPITALIZATION
| 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 |
| Pre-Hospitalization 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 |
| Post-Hospitalization 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. |
OPD Benefit
Annual Health Check-up
Instant Cover
Co-pay waiver at age>= 61
Care Shield
Air Ambulance Cover
Protect Plus
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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.
Best Health Insurance
Company of the
Year*
48 Lakh + Claims Settled**
24800+
CASHLESS HEALTHCARE PROVIDERS^^
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.
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 the child is 24 years.
We have approx 20800+ cashless network providers across India under our zone-based Care Classic plan.
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.
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.
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.
Yes, all insured members will get the cashless hospitalisation facility under this plan at our 20800+ cashless healthcare providers in different cities across India.
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.
Get the best financial security with Care Health Insurance!
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