Care Freedom vs Comprehensive Individual Health Insurance Plan
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Care Freedom vs Comprehensive Individual Health Insurance Plan 2024

Care Freedom Plan and Comprehensive Individual Plan both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of Care Freedom Plan are 14000+ Number Of Network Hospitals whereas Comprehensive Individual Plan has 20800+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS  Care Health Insurance Limited

Care Freedom

 Star Health And Allied Insurance Company Limited

Comprehensive Individual

Premium Including GST
Sum Assured 3L, 5L, 7L & 10L 5L, 7.5L, 10L, 15L, 20L, 25L, 50L, 75L & 1Cr
Product Type Reimbursement Hospitalization and Cashless Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Companion Benefit that gives a lump-sum amount (if hospitalization exceeds 10 days)
Automatic Recharge upto 100% of Sum Insured
19000+ Network hospital covered
Free Annual Health Check-up for all insured members
Automatic Restoration – 100% Available
No claim bonus
Hospital cash benefit
Cover against accidental death and permanent total disablement
Health checkup for every claim-free year
Wellness program – earn wellness reward
Option available to buy back pre-existing disease
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Applicable 300 Per Consultation & overall limit 2100/-
EMI Option yes no
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Not Applicable Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private Room Private Single Standard A/C
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 100000 Upto Rs. 10L
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 60 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 90 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Not Applicable Rs.15k for Ayush Treatment
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs 10L & 171 Day Care treatment covered Upto 10L & All Day Care Treatment Covered
Hospital_network
(Number of Hospital Network in city)
Organ Donor Expenses
(Expenses incurred on organ donor in case of organ transplants)
no Applicable
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Upto Rs 1000 per day 750/- per day
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 2 Years After 3 years, Can get reduced to 1 year on additional premium payment
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Not Available Rs 10L per year upto Rs 10L
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs 10L Upto Rs 10L (on related and unrelated illness & on full exhaustion)
Ambulance Charges
(Expenses incurred on ambulance charges)
Upto Rs 1000 Yes
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Available NA
Maternity Benefits
(All Hospitalization cost covered at the time of pregnancy.)
Not Covered Not Covered
New Born Baby Covered
(Newborn babies can be covered under the insurance plan after a certain period)
No No
Health Checkup
(An added benefit of one time full health checkup of policy holder.)
Every year irrespective of claim Given after every claim free year (limit varies as per Sum Insured)
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
no yes
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not Applicable Yes
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable NA
Sub Limit
(Sub-limit is a monetary capping that applies on specific diseases like cataract)
Not Applicable Not Applicable
Co-pay
(Mentioned %, if any is to be borne by Insured and rest will be borne by insurer)
You pay 20% of claim You pay 10% of claim

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing suitable medical insurance plans to avail of all the expected benefits of the policy. Here are the 28 most trusted health insurance providers in India.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.