Care Freedom offers a comprehensive health insurance plan that aims at providing health insurance for Diabetes, High BP & High BMI to all people of all ages. The plan covers the medical expenses incurred by the policyholder due to any injury, illness, or accident. With several benefits, this plan ensures that everyone gets health insurance coverage without worrying about their current health status.
Read on to explore everything about this plan:
| Criteria | Care Freedom 1 | Care Freedom 2 |
| Minimum Entry Age | For Children: 91 Days For Adults: 18 Years | Individual: 46 years Floater: Eldest Insured Person - 46 years Other Adult: 18 years Child: 90 Days |
| Maximum Entry Age for Adults | No Upper Age Limit | |
| Renewals | Lifetime | |
| Sum Insured Options | Rs. 3 Lakhs, Rs. 5 Lakhs, Rs. 7 Lakhs, Rs. 10 Lakhs | |
| Cover Type | Floater/Individual (up to 6 members) | |
| Policy Term | 1/2/3 years | |
| Grace Period | 30 days from the policy period end date | |
| Initial Waiting Period | 30 days for any illness | |
| Waiting Period - Named Ailments | 2 years of continued coverage | |
| Waiting Period - Pre Existing Diseases | 2 years of continued coverage | |
**Last Updated on 06-04-2021
Care Freedom launched by Care Health Company offers several benefits to the policyholder. Read along to know them all.
In-patient hospitalization cover is provided to the insured under Care Freedom Policy subjected to the condition that the hospitalization has been continuous for more than 24 hours. The coverage provided under this is up to the sum insured.
Daycare procedures are available under the Care Freedom Plan. The plan provides daycare procedures for more than 170 days. It is covered up to the insured sum limit.
The insured gets an ambulance expense cover of Rs. 1,000 per hospitalization for all the sum insured options.
In the case of exhaustion of sum insured and other no claim benefits, there is a procedure under the Care Freedom Plan, under which 100% of the original insured sum limit is recharged.
All the insured under the plan are free to get health checkups on an annual basis.
The insured gets consumable allowance coverage and it is considered from the 3rd day of hospitalization. The insured gets this coverage for a maximum of 7 days per hospitalization.
All the members covered under the plan get companion benefits in case the hospitalization exceeds ten days.
All the medical expenses incurred within 30 days before the hospitalization get coverage under the pre-hospitalization expenses cover.
All the medical costs within 60 days from the date of discharge from the hospital are considered post-hospitalization expenses to cover.
The insured gets domiciliary hospitalization coverage in case the patient is not in a condition to move or travel to the nearest hospital, or there is no availability of room in the hospital than in such a situation, they need to be treated at home and get up to 10% of sum insured covered after the 3rd day of hospitalization.
The insured gets the privilege under dialysis cover. They get coverage up to Rs. 1,000 per sitting limited up to 24 consecutive months for all sum insured options and all policy tenures.
To help you understand the calculation of Care Freedom, we have illustrated an example, wherein, an individual (30 years) is required to pay the below-mentioned premium amount. Refer to the below table and chart for further clarification.
| Sum Insured Options (in Rs.) | Policy Term | ||
| 1 year | 2 year | 3 year | |
| 3 Lakhs | 5,653 | 10,456 | 15,261 |
| 5 Lakhs | 6,548 | 12,114 | 17,679 |
**Last Updated on 06-04-2021
Graph Illustrating The Premium Amount Paid By An Individual With Different Conditions
| Criteria | Sum Insured (in Rs.) | ||
| Rs. 3 Lakhs | Rs. 5 Lakhs | Rs. 7 Lakhs/ Rs. 10 Lakhs | |
| Cataract Treatment | Maximum Rs. 20,000 per eye. | Maximum Rs. 30,000 per eye. | Maximum Rs. 30,000 per eye. |
| Total Knee Transplant Costings | Maximum Rs. 80,000 per knee. | Maximum Rs. 1,00,000 per knee. | Maximum Rs. 1,20,000 per knee. |
| Co-Payment | 20% to 30% per claim | 20% to 30% per claim | 20% for Age>70 years: there is an increase in co-payment by 10% for each claim. (Compulsory only for 1st-time entrants) |
| ICU Expenses | Maximum 2% of the insured sum per day | No limits. | No limits. |
| Pre-Hospitalization Expenses | Maximum 7.5% of payable hospitalization expenses. | Maximum 10% of payable hospitalization expenses. | Maximum 10% of payable hospitalization expenses. |
| Post-Hospitalization Expenses | Maximum 7.5% of payable hospitalization expenses. | Maximum 10% of payable hospitalization expenses. | Maximum 10% of payable hospitalization expenses. |
| Room Category | Twin Sharing room and the expense coverage would be maximum up to 1% of the sum insured daily. | Twin sharing room | Single Private Room |
| All types of Hernia surgeries Renal System stone Surgeries Hysterectomy Benign Prostate Hypertrophy (BPH) surgeries. | Maximum Rs. 50,000 | Maximum Rs. 65,000 | Maximum Rs. 80,000 |
| Breakage of bone treatment. Cancer treatment/ surgeries Cardiovascular disorder treatment and cerebrovascular disorder treatment Renal Disorder treatment | Maximum Rs. 2,00,000 | Maximum Rs. 2,50,000 | Maximum Rs. 3,00,000 |
**Last Updated on 06-04-2021
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Last updated on 06-04-2021
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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. really it was a pleasure to contact policyx.