Care Freedom Health Insurance
Care
8.9/10
OneAssure Rating
8.9/10
OneAssure Rating
Highlighted Features
Room Rent and ICU Limit for Care Freedom
The plan offers room rent limits with private or semi-private accommodations and ICU coverage, subject to specified daily limits, ensuring a comfortable stay while managing healthcare costs effectively.
Copayment for Care Freedom
Care Freedom requires a copayment for certain services, such as outpatient visits and hospital stays, helping to keep premiums affordable while ensuring access to essential healthcare treatments and services.
Policy Wording
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Our 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 the Plan
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.
About the Plan
Product Stats
Rating
Features of the Product
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.
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.
Exclusions
Care OPD - Covers outpatient consultations: 4 General and 4 Specialist consultations, with a maximum of ₹500 per consultation.
Care Shield - Safeguards against rising medical inflation, ensuring adequate coverage.
Home Care - Covers medical treatments at home advised by a certified doctor.
Deductible - Covers claims after insured pays fixed deductible amount per policy year.
Health Check Plus - Covers preventive health check-ups and screenings for early disease detection.
Add-ons
Related Variants
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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.
About the Company
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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.
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.
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