Care Freedom Plan
Care Health Insurance
8.9/10
OneAssure Rating
8.9/10
OneAssure Rating
Highlighted Features
Room Rent and ICU Limit for Care Freedom
The plan offers room rent limits with private or semi-private accommodations and ICU coverage, subject to specified daily limits, ensuring a comfortable stay while managing healthcare costs effectively.
Copayment for Care Freedom
Care Freedom requires a copayment for certain services, such as outpatient visits and hospital stays, helping to keep premiums affordable while ensuring access to essential healthcare treatments and services.
Policy Wording
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Our Verdict
Care Freedom provides coverage up to ₹10 lakh, with a 2-year waiting period for pre-existing conditions like diabetes and hypertension. However, it imposes disease-specific sub-limits, mandatory co-payments (20% for those under 70, 30% for those 70 and above), and room rent restrictions. This plan is suitable for individuals with pre-existing conditions seeking coverage despite these limitations.
About the Plan
The Care Freedom Health Insurance Plan is designed for individuals with pre-existing conditions like diabetes, hypertension, and high BMI, ensuring financial security during medical emergencies. Offering sum insured options from ₹3 lakh to ₹10 lakh, it covers in-patient hospitalization, day care treatments, ambulance services, and annual health check-ups. Additional benefits include consumable allowance, companion benefit, and domiciliary hospitalization. The plan covers dialysis and provides sum insured recharge if exhausted. Advanced medical technologies are included, ensuring access to modern treatments. Available for individuals aged 18 and above, it offers lifelong renewability with a 24-month waiting period for pre-existing conditions.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Sum insured up to 5 lacs: shared room
ICU: Sum insured up to 7 lacs and above: single private room
Advanced Treatments
Deep brain stimulation
Oral chemotherapy
Uterine artery embolization
HIFU
Robotic surgeries
Co-payment
20% and 30% for insured till the age of 70 and 71 respectively.
Waiting Periods
30 day waiting period
Specific illness waiting period for 2 years or 24 months
Pre-existing disease waiting period for 2 years
Cashless Healthcare Providers
24800 + network hospitals across India.
Day Care Treatments
Daycare treatment covered by the policy.
AYUSH Treatment
Ayush treatment is covered under this policy.
Exclusions
Congenital external anomalies, genetic disorders (unless covered).
Medical expenses for conditions existing before policy inception are typically excluded for a specified waiting period.
Certain treatments and diseases are not covered during initial periods after the policy starts, such as the first 30 days for general illnesses and up to 48 months for specific conditions
Expenses related to infertility tests and treatments, including in vitro fertilization, are typically not covered.
Expenses for psychiatric treatments and mental health conditions are often excluded.
Exclusions
Comprehensive Health Checkups - Annual health assessments to ensure early detection and prevention of potential health issues.
Global Coverage - Access to healthcare services worldwide, ensuring that you are covered wherever life takes you.
Telemedicine Services - Virtual consultations with top healthcare professionals, offering convenience and ease of access to medical advice.
Mental Health Support - Access to counseling, therapy sessions, and mental health resources to support emotional well-being.
Wellness Programs - Personalized fitness and nutrition plans designed to promote overall health and vitality.
Add-ons
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Why OneAssure?
We help you maximize your coverage over time for stronger protection.
About the Company
Care Health Insurance, previously known as Religare Health Insurance Company Limited, is a trusted health insurance provider offering plans to protect you and your family during medical emergencies. Founded in 2012, it has settled 48 lakh claims and covered over 7 crore lives since inception. Care ensures seamless access to advanced treatments, AYUSH therapies, and more.
Care Health Insurance delivers comprehensive health coverage tailored to diverse needs. Plans like Care Supreme provide high cumulative bonuses, no sub-limits on room or treatment types, and early coverage for conditions such as diabetes with an additional premium. Care Health Insurance prioritizes health and financial security, offering reliable support for every stage of life.
About the Company
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