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Free yourself from the worries of healthcare.
As the name suggests, Care Freedom is a plan that allows you to be worry-free in every situation. This health insurance is for people suffering from diabetes, hypertension, and high BMI. Now, you can get health insurance coverage without worrying about your current health status. With this plan, you only need to serve a 2-year waiting period. Two variants fall under the Care Freedom plan:
If you are diagnosed with any critical illness, then this plan is for you. You just need to serve a two-year waiting period and then apply for the claim. Read more to understand the plan.
| PLAN DETAILS |
Care Freedom Plan |
Ultimate Care |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
11400+ | 11400+ |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not Covered | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Available |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Available |
| Plan Entry Age | Min 90 days, Max- Lifelong | Minimum: Child - 91 days; Adult - 18 years. Maximum: Child - 24 years, Adult - Lifelong |
| Plan Premium Entry Age and S/A | 5,653 | 6491 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | In-patient hospitalization, Pre & post hospitalization, Daycare treatments, Domiciliary treatment, Dialysis cover | Hospitalization expenses, Pre and post-hospitalization expenses, Daycare treatments, AYUSH treatment cover, Organ donor cover, Ambulance cover |
| Plan Sample Premium | 5,653 | 6491 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 years | 1, 2, 3, 4, 5 years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Not Covered | Covered |
| Modern Treatment | Not Covered | Covered |
| E Consultation | Not Covered | Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Not Covered | Not Covered |
| Claim Ratio | 97 | 97 |
| Solvency Ratio | 1.74 | 1.74 |
|
Care Health Insurance Plan Detailed Review Ultimate CARE Health Insurance Review 2025 | Care Health New Plan 2025 | Care Health Insurance |
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