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
In-patient & Out-patient Coverage
Room Rent
Twin Sharing Room
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 10% of hospitalization expenses
Post-Hospitalization
Covered up to 10% 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 30K 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 15K
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
In-patient & Out-patient Coverage
Room Rent
Single Private room
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 10% of hospitalization expenses
Post-Hospitalization
Covered up to 10% 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 30K 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 15K
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
In-patient & Out-patient Coverage
Room Rent
Single Private room
ICU Charges
Covered up to SI
Pre-Hospitalization
Covered up to 10% of hospitalization expenses
Post-Hospitalization
Covered up to 10% 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 30K 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 15K
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
Care Health Insurance Network Hospital List
Care Health Insurance promises a wide Network of cashless Hospitals across India. A well connected network of over 19000+ cashless hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in
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 Insured
1 Adult
2 Adult
3 Lakhs
5653
7858
5 Lakhs
6548
9149
Care Freedom 2: Age 51-55
Sum Insured
1 Adult
2 Adult
7 Lakhs
18184
29514
10 Lakhs
20424
33032
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:
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:
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.
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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Delhi
May 25, 2022
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February 17, 2022
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Dehradun
August 16, 2021
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Guwahati
August 16, 2021
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August 6, 2021
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