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Care Freedom
  • Additional health checkups for diabetic and cardiac patients
  • Get cover for Dialysis
  • No pre-medical check-ups required
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Care Freedom Plan

Care Freedom health insurance is tailored for people who are dealing with medical issues such as obesity, high blood pressure, or diabetes. The policy offers financial support during the treatment related to such diseases. It allows you to avail quality treatment on a cashless basis at all the network hospitals of Care health insurance.

Care Freedom policy keeps you stress-free in the financial war against diabetes, hypertension, and high BMI. It is a type of health insurance plan that offers a wide range of healthcare services to cover your treatment-related to diabetes, high BMI, or high blood pressure.

Care Freedom Plan Specifications

Care Freedom policy is a comprehensive health insurance plan and is available in two plan variants. To know more about the plan specification and the eligibility of both the plan variants. Take a look at the below table of its specifications:

Variant

Care Freedom Plan 1

Sum Insured

3 | 5 Lakhs

Age Eligibility

Adult: 18 to Lifelong Child: 90 days to 24 years

Plan Type

Individual and Family Floater

Policy Term

1,2,3 Years

Renewability

Lifetime

Initial Waiting Period*

30 Days

Care Freedom Plan 2

Sum Insured

7 | 10 Lakhs

Age Eligibility

Individual: 46 yrs, Floater: Oldest Person- 46 Yrs, Other Adult: 18 Yrs, Child: 90 days

Plan Type

Individual and Family Floater

Policy Term

1,2,3 Years

Renewability

Lifetime

Initial Waiting Period*

30 Days

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Care Freedom Plan

Care Freedom policy is available in two variants that allow policyholders to customize the plan as per their requirements. Take a look at the below coverage table and choose the variant according to your budget and need:

In-patient & Out-patient Coverage

Room Rent

Twin Sharing Room (Max up to 1% SI per day)

ICU Charges

Covered up to 2% SI per day

Pre-Hospitalization

Covered up to 7.5% of hospitalization expenses

Post-Hospitalization

Covered up to 7.5% of hospitalization expenses

Domiciliary Hospitalization

Covered up to 10% of SI

Daycare Treatment

Covered up to SI

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered under a rider

Cataract

Covered up to 20K per eye

No Claim Bonus

Not available

Automatic Restoration

100% of SI

Daily Hospital Cash

Not available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered up to 1K per Hospitalization

Air Ambulance

Not available

Compassionate Travel

Covered up to 10K

Global Coverage

Not available

Wellness Programmes

E-Consultation

Not available

Health Check-Up

Covered

Second Medical Opinion

Not available

Vaccination

Not Covered

Limitations

Co-payment

Applicable

Sub-limits

Applicable

What is Room Rent?

Room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Care Freedom Plan?

Under this plan, the room rent coverage is offered as per the selected SI amount as mentioned in the table below:

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Room Rent Twin Sharing Room (Max up to 1% SI per day) Twin Sharing Room Single Private room
What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Care Freedom Plan?

Under this plan, ICU charges coverage is based on your selected Sum Insured.

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
ICU Charges Covered up to 2% SI per day Covered up to SI Covered up to SI
What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Care Freedom Plan?

This plan covers medical expenses up to 30 days as mentioned in the table below:

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Pre-Hospitalization Covered up to 7.5% of hospitalization expenses Covered up to 10% of hospitalization expenses Covered up to 10% of hospitalization expenses
What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Care Freedom Plan?

This plan covers medical expenses up to 60 days as mentioned in the table below:

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Post-Hospitalization Covered up to 7.5% of hospitalization expenses Covered up to 10% of hospitalization expenses Covered up to 10% of hospitalization expenses
What is Domiciliary Hospitalization?

Home hospitalization arrangement for the insured person due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the financial coverage.

Coverage status under Care Freedom Plan?

Under this plan, the domiciliary hospitalization that exceeds 3 days is covered up to 10% of your selected Sum Insured.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Care Freedom Plan?

This plan covers expenses of day care procedures up to the selected SI amount.

What are OPD charges?

The cost of doctor consultation and prescribed medical tests that may not require hospitalization.

Coverage status under Care Freedom Plan?

Not covered

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Care Freedom Plan?

COVID-19 treatment cover is available under a rider that can be availed of by paying an extra premium.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Care Freedom Plan?

This plan offers coverage for Cataract treatment as per the selected Sum Insured amount.

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Cataract Covered up to 20K per eye Covered up to 30K per eye Covered up to 30K per eye
What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Care Freedom Plan?

Not Available

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Care Freedom Plan?

The plan offers automatic restoration of 100% of your basic SI.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Care Freedom Plan?

Not available

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Care Freedom Plan?

Not available

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedures deliveries.

Coverage status under Care Freedom Plan?

Maternity cover is not available under this plan.

*It is generally not covered under most health insurance plans as pregnancy is a planned condition.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the new born cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Care Freedom Plan?

Newborn baby expenses are not covered under this plan.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Care Freedom Plan?

Not Covered

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Care Freedom Plan?

Not Covered

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Care Freedom Plan?

Not Covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.

Coverage status under Care Freedom Plan?

This plan covers Ambulance charges of up to 1K per hospitalization.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Care Freedom Plan?

Not available

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholders get admitted to a hospital outside his/her residential city.

Coverage status under Care Freedom Plan?

The policy covers compassionate travel expenses if hospitalization exceeds 10 days. The coverage is as mentioned in the table below:

SI Options 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Compassionate Travel Covered up to 10K Covered up to 15K Covered up to 15K
What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Care Freedom Plan?

Not available

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Care Freedom Plan?

Not available

What is a Health Checkup?

A facility where the policyholder can avail free health check-ups after fulfilling the company's policies.

Coverage status under Care Freedom Plan?

The policy allows health check-ups for all insured members once a year.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Care Freedom Plan?

Not available

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Care Freedom Plan?

Not available

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Care Freedom Plan?

  • Customers up to 70yrs of age: 20% co-pay amount
  • Customers above 70yrs of age: 30% co-pay amount
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to pay by the policyholder.

Status under Care Freedom Plan?

Below mentioned are the sub-limit available under the care freedom plan:

Variant Care Freedom 1 Care Freedom 2
Sum Insured Option 3L 5L 7L 10L
Total Knee Replacement Covered up to 80K per knee Covered up to 1 Lakh per knee Covered up to 1.2 Lakhs per knee
Surgery for treatment of all types of Hernia Covered up to 50K Covered up to 65K Covered up to 80K
Hysterectomy Covered up to 50K Covered up to 65K Covered up to 80K
Surgeries for Benign Prostate Hypertrophy (BPH) Covered up to 50K Covered up to 65K Covered up to 80K
Surgical Treatment of stones of Renal System Covered up to 50K Covered up to 65K Covered up to 80K
Treatment of cerebrovascular and cardiovascular disorders Covered up to 2 Lakh Covered up to 2.5 Lakhs Covered up to 3 Lakhs
Treatments/Surgeries for cancer Covered up to 2 Lakh Covered up to 2.5 Lakhs Covered up to 3 Lakhs
Treatment of other renal complications and Disorders Covered up to 2 Lakh Covered up to 2.5 Lakhs Covered up to 3 Lakhs
Treatments for breakage of bones Covered up to 2 Lakh Covered up to 2.5 Lakhs Covered up to 3 Lakhs

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Care Freedom Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under this plan are:

Injuries resulting from a suicide attempt

Injuries resulting from adventurous sports

Hospitalization due to alcohol, and drug abuse

Maternity

Cost of the routine eye and ear examination, dentures, and artificial teeth

Tests and treatments related to infertility and sterility

External Congenital Disease

Coverage after Waiting Period

Some treatments are covered after a defined waiting period under this plan. To know more, read below:

Pre-Existing Diseases after 2 years

Initial Waiting Period after 30 Days

Specific ailment after 2 years

COVID-19 Treatment after 15 days

Care Freedom Premium

To give a better idea of the premiums, we have shown the premium of both the variants with different ages, sum insured, and the number of members insured based on a policy term of 1 year. Take a look:

Care Freedom 1: Age 25-35

Sum Insured1 Adult2 Adult
3 Lakhs56537858
5 Lakhs65489149

Care Freedom 2: Age 51-55

Sum Insured1 Adult2 Adult
7 Lakhs1818429514
10 Lakhs2042433032

Care Freedom Riders

Care Freedom plan offers numerous coverage benefits along with some additional riders under both the plan variants. Care freedom offers 5 optional riders that can cover your specific needs:

COVID Care with OPD

COVID treatment up to 1% of SI

COVID Care

Covers the COVID-19 treatment

Home Care

Covers medical expenses incurred during home care

Health Check+

Upgrade health check-up specific to a disease.

Care Shield

Combination of 3 additional benefits in one

COVID Care with OPD

Get COVID treatment with up to 1% of Sum Insured as OPD benefit. Below mentioned are some of the benefits available under this rider:

  • In-patient care
  • Day care treatment
  • Quarantine coverage is offered with a Sub-limit of up to 1% of the Sum Insured per day. It can go to a maximum of up to 30 days.
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization
  • OPD expenses such as pharmacy expenses, patient consultation, etc.
COVID Care

Covers the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre. Below mentioned are some of the benefits available under this rider:

  • In-patient care
  • Day care treatment
  • Quarantine coverage is offered with a Sub-limit of up to 1% of the Sum Insured per day. It can go to a maximum of up to 30 days.
  • 30 days of pre-hospitalization
  • 60 days of post-hospitalization
Home Care

Offers coverage for expenses such as hiring a qualified nurse on doctor’s recommendation during undergoing treatment at home.

Max. INR 1000 for max. 7 days/hospitalisation

Max. 45 days of coverage is available in a year

Health Check+

Upgrade your health checkup to a diabetic or cardiac checkup as per your requirement.

Care Shield

Combination of 3 additional benefits in one:

Claim Shield: Covers the non-payable expenses like gloves, masks, etc.

No Claim Bonus Shield: Applicable if the claim amount is less than 25% of the SI.

Inflation Shield: Sum Insured will increase at every renewal on a cumulative basis.

Explore Care Health Insurance

Know more about Care Health Insurance plans, claim process, buying process, and contact details of the company by clicking on the sections below:

Claim Process

Click to know Care Freedom Claim Process.

Buying Process

Click to know Care Freedom Buying Process.

Contact Us

Feel free to contact us for more details.

Renewal Process

Renew your Care Health Policy Online

Explore other Care Health Plans

Care health insurance offers several health insurance plans to meet the medical needs of every individual. You can find other popular mediclaim policies offered by the Care Health Insurance company in the section below:

Care Plan

A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Care Classic

A comprehensive family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Senior Citizen

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Enhance

A super top-up health insurance plan to provide extra medical cover on the basis of policy deductible principle.

Unique Benefits

  • Covers modern treatment
  • Flexible options of deductible
  • No pre-policy medical test

Care Joy

A maternity health insurance plan with child cover. This plan protects individuals and families during medical emergencies.

Unique Benefits

  • 100% increase in SI as NCB
  • Newborn Cover
  • 541 day care treatments covered

Care Advantage

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Arogya Sanjeevani

A standard comprehensive plan mandated by IRDAI that offers coverage for both Ayurvedic or Allopathic treatments.

Unique Benefits

  • AYUSH Treatment
  • Pre and Post hospitalization
  • 5% cumulative bonus

Care Cancer Mediclaim

Offers lifelong coverage against cancer and the cost of its treatment with several other benefits.

Unique Benefits

  • Annual Health Checkup
  • Chemo and radiotherapy cover
  • Air Ambulance Cover

Care Critical illness

Offers coverage against 32 critical illnesses that are pre-defined under the policy such as catastrophic burns, coma, etc.

Unique Benefits

  • Psychiatric Counselling
  • Dialysis Cover
  • Organ Donor Cover

Care for 45+

A comprehensive plan that takes care of your medical needs in your late 40s.

Unique Features

  • Organ Donor
  • Emergency Ambulance
  • Annual Health Checkup

Care Heart

Individuals with pre-existing cardiac diseases can get coverage against medical treatments by paying 20-30% of co-payment for every claim.

Unique Benefits

  • Cardiac Health Checkup
  • Second medical Opinion
  • Automatic SI Restoration

Care Plus

Extremely flexible family health plan, allowing you to increase SI amount based on inflation rates.

Unique Benefits

  • 200% increase in cumulative bonus
  • Earn rewards for being fit
  • Unlimited SI recharge

Care Freedom Policy: FAQs

1. Up to what amount will my Dialysis be covered?

Care Freedom will cover Dialysis up to INR 1,000 per sitting.

2. Will I get coverage for Plastic surgery?

No, the plan does not provide coverage for Plastic or cosmetic surgeries.

3. Are there any discounts available on the policy?

Yes, Care Freedom offers discounts on your premium if you opt for a longer policy term.

4. My father is Diabetic and has a high BP. Can he opt for this Care Freedom plan?

Yes, he can. Care Freedom is especially designed for those suffering from Diabetes or Hypertension. You can buy this plan without any pre-medical check-ups.

Read Reviews & Ratings

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Niyati

Rajkot

February 17, 2022

I am using their health insurance and used it for COVID19 treatment. I am so happy that covid treatment was handled by them. due to lockdown, i was facing money-related problems but their cashl...

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Ram Dulari

Dehradun

August 16, 2021

Very nice company. I am very happy and fully satisfied with its services. God bless us all. 5 star to the whole team... WELL-DONE

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Nayan

Guwahati

August 16, 2021

Religare Health Insurance is a nice company. and the way PolicyX.com helps its customers in understanding the process is commendable. I am very much impressed.

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Manish Singhal

Ahmedabad

August 6, 2021

PolicyX helps me to find the best suitable plan for me and my family. They have a very professional salesperson and also I am very much happy with the service of Religare Health.

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Sapna Khurana

Pune

August 6, 2021

One of the best health insurance company I have ever come across. Thank you PolicyX.com for assisting me at every step. I must say the team of PolicyX is very patient and hard-working. Thanks o...

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Raj Kumar

Chandigarh

August 6, 2021

Received my reimbursement claim amount within a span of 8 days. Thank you POlicyX.com for helping me out in choosing such a great company. Keep up the good work Religare

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Dr Mukesh Shah

Hyderabad

July 11, 2021

Excellent service by policyx and particularly Ms Prashansha Yadav employee Id 12671. She was prompt on the answer and listen very patiently and the answer was very clear and understandable. rea...

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Vivek Kapoor

Hyderabad

July 11, 2021

Excellent service by PolicyX. The team was prompt on the answer and listen very patiently and the answer was very clear and understandable. Really it was a pleasure to get in touch with this co...