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Care Freedom Health Insurance

Care Freedom Health Insurance

Health Coverage for Diabetes, Hypertension, and High BMI with Short 2-Year PED Waiting Period

96%

Claim Settlement Ratio

22,000+

Network Hospitals

3.5/10

Plan Rating

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Age (Children)

Coverage Amount

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Our Verdict

Expert Review: Care Freedom

Final Verdict

Care Freedom is a specialised health insurance plan specifically tailored for individuals managing pre-existing conditions like diabetes or hypertension, offering an unusually short 2-year waiting period and no pre-policy medical check-ups. Policyholders also benefit from annual preventive health check-ups and an automatic coverage refill when their policy amount runs out.However, these easy-entry benefits come with trade-offs: it requires a mandatory 20% co-payment on every claim, restricts lower-tier plans to shared hospital rooms, enforces cappings on specific major diseases, and lacks maternity coverage. It is an ideal choice for buyers with existing lifestyle illnesses who struggle to secure standard health plans, provided they are comfortable bearing out-of-pocket claim sharing.

About

What Is Freedom?

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.

Freedom Ratings

Freedom

Insurer Rating

7.51

out of 10

Insurance Rating

3.5

out of 10

No Room Rent Limit

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Consumables Covered

No

No Co-payment

No

Loyalty Bonus >= 500%

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No Disease Sublimits

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Unlimited Restoration

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Additional Benefits (Informational Only — Not part of score)

PED Waiting <= 2 Years

Yes

Maternity Available

No

Waiting Period Waiver

No

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.
Prashant Pandey

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.
Jatin Gala

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.
Anju Renjith

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!
Yogesh Meena

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.
Akash Kumar

Akash Kumar

West Bengal

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Inclusions and Exclusions

Care Freedom Inclusions and Exclusions

Modern Treatment

  • Coverage for treatment using specified advanced technology methods is not available under the plan.

ICU Charges

  • ICU charges are covered up to 2% of the sum insured per day for ₹3 lakh sum insured, while there is no limit for ₹5 lakh, ₹7 lakh and ₹10 lakh sum insured options.

Cumulative Bonus

  • No cumulative bonus is available.

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

Freedom Add-Ons and Riders

Care Opd

Care Shield

Home Care

Deductible

Insurance Premium Calculator

Insurance Premium Calculator

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About the company

About Care

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.

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.

This content has been reviewed by Karthik Jairam, Senior Insurance Advisor | BQP code: 38325

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