How does the waiting period affect my coverage?

The Care Freedom plan has a 30-day initial waiting period, 36 months for pre-existing conditions, and 2-4 years for specific illnesses, ensuring fair risk management.

What if I don’t use my health insurance benefits for the entire year?

A No Claim Bonus increases your sum insured by 25% per claim-free year, up to 150%, enhancing future coverage without additional premiums.

Does the Care Freedom plan cover treatment abroad?

The plan covers treatment only in India. However, optional add-ons or separate international health insurance may provide global healthcare coverage.

Can the Care Freedom policy be renewed online?

Yes, the Care Freedom policy offers online renewal through the insurer's self-help portal, allowing for seamless continuation of coverage.

OneAssure

Health Insurance

Care

Freedom

Care Freedom Health Insurance

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 19000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

19000

Network Hospitals

8.9

Customer Rating

Get a Quote

96

Claim Settlement Ratio

19000

Network Hospitals

8.9

Customer Rating

Our Verdict

Expert Review: Care Health Insurance

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Final Verdict

Care Freedom provides coverage up to ₹10 lakh, with a 2-year waiting period for pre-existing conditions like diabetes and hypertension. However, it imposes disease-specific sub-limits, mandatory co-payments (20% for those under 70, 30% for those 70 and above), and room rent restrictions. This plan is suitable for individuals with pre-existing conditions seeking coverage despite these limitations.

About

About Care Health Insurance

The Care Freedom Health Insurance Plan is designed for individuals with pre-existing conditions like diabetes, hypertension, and high BMI, ensuring financial security during medical emergencies. Offering sum insured options from ₹3 lakh to ₹10 lakh, it covers in-patient hospitalization, day care treatments, ambulance services, and annual health check-ups. Additional benefits include consumable allowance, companion benefit, and domiciliary hospitalization. The plan covers dialysis and provides sum insured recharge if exhausted. Advanced medical technologies are included, ensuring access to modern treatments. Available for individuals aged 18 and above, it offers lifelong renewability with a 24-month waiting period for pre-existing conditions.

The Care Freedom Health Insurance Plan is designed for individuals with pre-existing conditions like diabetes, hypertension, and high BMI, ensuring financial security during medical emergencies. Offering sum insured options from ₹3 lakh to ₹10 lakh, it covers in-patient hospitalization, day care treatments, ambulance services, and annual health check-ups. Additional benefits include consumable allowance, companion benefit, and domiciliary hospitalization. The plan covers dialysis and provides sum insured recharge if exhausted. Advanced medical technologies are included, ensuring...

Inclusions and Exclusions

Inclusions and Exclusions of Care Insurance Company Limited

Daycare Treatment

Daycare treatment covered by the policy.

Room Rent

Normal: Sum insured up to 5 lacs: shared room
ICU: Sum insured up to 7 lacs and above: single private room

Advanced Treatments

Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries

Co-payment

20% and 30% for insured till the age of 70 and 71 respectively.

Waiting Period

30 day waiting period
Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 2 years

Cashless Healthcare Providers

24800 + network hospitals across India.

AYUSH Treatment

Ayush treatment is covered under this policy.

Daycare Treatment

Daycare treatment covered by the policy.

Room Rent

Normal: Sum insured up to 5 lacs: shared room
ICU: Sum insured up to 7 lacs and above: single private room

Advanced Treatments

Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries

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Exclusions

Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.

Add ons

Add-Ons

Care OPD

Care Shield

Home Care

Deductible

Health Check Plus

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About the company

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs.
Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization costs. Thе insurеr also providеs global covеragе options, wеllnеss-basеd bеnеfits, and top-up plans to еnhancе protеction basеd on spеcific hеalthcarе nееds.

Carе Hеalth Insurancе (formеrly known as Rеligarе Hеalth Insurancе) is onе of India’s most trustеd and customеr-cеntric hеalth insurancе companiеs. It is dеdicatеd to providing comprеhеnsivе and affordablе hеalth covеragе that hеlps individuals and familiеs stay financially sеcurе during mеdical еmеrgеnciеs. Carе Hеalth offеrs a widе rangе of plans tailorеd for individuals, familiеs, sеnior citizеns, and corporatе groups. Each policy is thoughtfully dеsignеd to covеr hospitalization еxpеnsеs, surgеriеs, daycarе procеdurеs, and both prе- and post-hospitalization...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.