Care Freedom Health Insurance

Consumable allowance is available at ₹750 per day for ₹3 lakh and ₹5 lakh sum insured options, subject to a maximum of 7 days per hospitalisation after 3 days.

30 days for all illnesses, except accidental injuries.

2 years for specified named ailments.

2 years for pre-existing diseases.

Annual health checkup is available for all adult members insured under the policy.

Post-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

OPD expense is not included in the base plan.

Not available as a standard deductible option.

Available coverage options: ₹3L, ₹5L, ₹7L and ₹10L.

Not available.

Covers AYUSH treatment expenses up to the sum insured during the policy period.

20% co-payment is applicable per claim. An additional 10% co-payment applies from the policy year following the insured person attaining 71 years of age, subject to the policy terms.

Pre-hospitalisation expenses are covered subject to the applicable limit of 7.5% or 10% of payable hospitalisation expenses, depending on the plan option.

96.3% for the period April 2025 to December 2025.

For ₹3 lakh and ₹5 lakh sum insured options, room rent is restricted to twin-sharing accommodation, subject to the applicable limit. For ₹7 lakh and ₹10 lakh options, single private room is covered.

11,600+ cashless network hospitals are available across India.

Covers all eligible Day Care Procedures up to the sum insured.

Yes. Sublimits apply to specified treatments including cataract, total knee replacement, hernia, hysterectomy, BPH, renal stones, cardiovascular and cerebrovascular disorders, cancer, other renal complications and bone fractures.

Yes, the base sum insured is automatically recharged by 100% upon exhaustion, subject to the policy terms. The recharged sum insured can be used for future claims.