Care vs Care Freedom Health Insurance Plan
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Care vs Care Freedom Health Insurance Plan 2024

Care Plan and Care Freedom 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 Plan are 14000+ Number Of Network Hospitals whereas Care Freedom 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

 Care Health Insurance Limited

Care Freedom

Premium Including GST
Sum Assured 5L, 7L, 10L, 15L, 20L, 25L, 30L, 40L, 50L, 60L & 75L 3L, 5L, 7L & 10L
Product Type Reimbursement Hospitalization and Cashless Reimbursement Hospitalization and Cashless
Key Features
(Key features of the plan)
Lifelong Renewability,Auto Recharge if SA exhausts upto 100%
541 Day Care Treatment
No Claim Based Loading
19000+ Network hospital covered
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
OPD Details
(In some policies, OPD (Out patient department) expenses are also covered.)
Not Applicable Not Applicable
EMI Option yes yes
Pre-acceptance Medical Check Up
(Whether a pre-acceptance check up is required or not to buy the policy)
Required Not Applicable
Room Rent
(A limit of room rent cover during hospitalization if any)
Single Private Room Single Private Room
Domicillary Hospitalization
(It is the expenses incurred on treatment of the patient at home)
Up to Rs 100000 Up to Rs 100000
Pre-hospitalization
(Expenses before the insured is hospitalized)
30 Days 30 Days
Post-hospitalization
(Expenses after discharge from the hospital)
60 Days 60 Days
Non-allopathic
(Expenses incurred on non-allopathic treatment)
Upto Rs 20000/- Not Applicable
Day Care Treatment Covered
(Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.)
Upto Rs. 10L & 541 Day Care Treatment Covered Upto Rs 10L & 171 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)
Upto Rs 1L no
Hospital Daily Allowance
(Some plans offer daily allowance to take care of expenses like food, etc)
Not Covered Upto Rs 1000 per day
Pre-existing Coverage
(If the insured is having some existing diseases, that would be covered after particular time period)
After 4 Years After 2 Years
Cumulative Bonus
(The amount by which your sum assured gets increased, if there is no claim.)
Rs 1L per year upto Rs 5L Not Available
Restoration Details
(Increase of Sum Insured for non-related illness if the original sum insured is exhausted)
Upto Rs 10L (on unrelated illness & on partial exhaution) Upto Rs 10L
Ambulance Charges
(Expenses incurred on ambulance charges)
Upto Rs 2000/- Hospitalization Upto Rs 1000
Worldwide Emergency
(The emergency medical assistance and cover against medical expenses while the customer is abroad)
Not Applicable Not Available
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 Every year irrespective of claim
Non-allopathic Details
(Expenses incurred on non-allopathic treatment)
yes no
Vaccination
(Cover againts any medical expenses occurred in Vaccinations for certain diseases)
Not Applicable Not Applicable
Animal Bite
(Cover againts any medical expenses occurred due to any Animal Bite)
Not Applicable Not Applicable
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 20% of claim

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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.