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.

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Freedom

Care Freedom Health Insurance

Experience India's most trusted health insurance with Care Health Insurance. Get instant cashless treatment at 22000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

22000

Network Hospitals

8.9

Customer Rating

Policy Policy Wording

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96

Claim Settlement Ratio

22000

Network Hospitals

8.9

Customer Rating

Policy Policy Wording

Our Verdict

Expert Review: Care Freedom

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 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.

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...

Freedom Ratings

Ratings: Care 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

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

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

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

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

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Care Freedom

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.

Consumable Cover

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.

Initial Waiting Period

30 days for all illnesses, except accidental injuries.

Specific Waiting Period

2 years for specified named ailments.

PED Waiting Period

2 years for pre-existing diseases.

Annual Health Checkup

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

Post-Hospitalisation

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

Outpatient Department Cover (OPD Expense)

OPD expense is not included in the base plan.

Deductible Option

Not available as a standard deductible option.

Coverage Options

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

Maternity Cover

Not available.

AYUSH Treatment

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

Co-payment

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

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

Claim Settlement Ratio

96.3% for the period April 2025 to December 2025.

Room Rent

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.

Cashless Healthcare Providers

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

Daycare Treatment

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

Disease-wise sublimits

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.

Restoration Benefit

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.

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

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.