Care Freedom Policy
  • Cover for Diabetes and High BP
  • Explore the Eligibility Criteria
  • Know all the Benefits

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Care Freedom (Formerly Known As Religare Freedom)

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:

Eligibility Criteria of Care Freedom

CriteriaCare Freedom 1Care 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

Benefits of Care Freedom (Formerly Known As Religare Freedom)

Care Freedom launched by Care Health Company offers several benefits to the policyholder. Read along to know them all.

  1. In-Patient Care

    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.

  2. DayCare Treatment

    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.

  3. Ambulance Cover

    The insured gets an ambulance expense cover of Rs. 1,000 per hospitalization for all the sum insured options.

  4. Recharge Of Sum Assured

    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.

  5. Health Check-up

    All the insured under the plan are free to get health checkups on an annual basis.

  6. Consumable Allowance

    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.

    • Rs. 750 per day for SI Rs. 3 Lakhs
    • Rs. 1,000 per day for SI Rs. 5 Lakhs
    • Rs. 1,000 per day for SI Rs. 7 Lakhs/ 10 Lakhs
  7. Companion Benefit

    All the members covered under the plan get companion benefits in case the hospitalization exceeds ten days.

    • Rs. 10,000 per day for SI Rs. 3 Lakhs
    • Rs. 15,000 per day for SI Rs. 5 Lakhs
    • Rs. 15,000 per day for SI Rs. 7 Lakhs/ 10 Lakhs
  8. Pre-Hospitalization Expenses

    All the medical expenses incurred within 30 days before the hospitalization get coverage under the pre-hospitalization expenses cover.

  9. Post-Hospitalization Expenses

    All the medical costs within 60 days from the date of discharge from the hospital are considered post-hospitalization expenses to cover.

  10. Domiciliary Hospitalization

    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.

  11. Dialysis Cover

    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.

Sample Premium Illustration of Care Freedom:

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

Illustrating The Premium Amount Paid By An Individual With Different Conditions

Sub-Limit Options

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

Exclusions of Care Freedom Policy (Formerly Known As Religare Freedom)

  • Self-inflicted injury treatment expenses.
  • Alcoholism and drug abuse cases.
  • Injury due to participation in the war.
  • Any defense activity.
  • Medical costs incurred due to AIDS treatment.
  • Congenital diseases do not get coverage.
  • Tests and treatment relating to infertility.
  • Treatments related to pregnancy, childbirth, miscarriage, abortion, and its consequences.
  • Expenses of contact lenses, the cost of spectacles, and dental treatment that does not require hospitalization.
  • Suicide Cases.

Care Health Insurance Plans (Formerly Known As Religare Health Insurance)

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April 30, 2021

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Ahmedabad

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April 23, 2021

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Chennai

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July 16, 2020

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Last updated on 06-04-2021

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