About Care Freedom Plan
Care Freedom plan has been designed to provide comprehensive health insurance coverage to people with pre-existing diseases like diabetes, high blood pressure, kidney disease and BMI. It recharges the policy sum insured in case of exhaustion and provides an annual health check-up benefit. Moreover, this mediclaim policy allows policyholder to upgrade their basic health check-up benefit into a diabetes check-up or cardiac check-up with the Health check+ benefit.
Care Freedom Plan: Key Highlights
| Categories | Specifications |
|---|---|
| Sum Insured | ₹2 lakh to ₹10 lakh |
| Pre-policy Medical Check-up | Not required for up to 45 years |
| Pre-existing Diseases Waiting Period | 2 years |
| Discounts | Up to 60% deductible discount Up to 10% tenure discount Up to 10% family discount |
or select from popular citiessCare Freedom Features
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Key Benefits of Care Freedom Plan
Care Freedom Plan Inclusions, Exclusions & Optional Cover
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In-patient CareIt covers the cost of getting hospitalized for 24 hours or more, including room rent, ICU charges, nursing charges, surgeon’s fees, etc.
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Day Care TreatmentIt pays for the medical expenses incurred on availing listed day care procedures that require less than 24 hours of hospitalization.
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Consumable AllowanceIt covers the cost of non-medical items, such as a thermometer, needles, syringes, etc., incurred during hospitalization after 3 days but for a maximum of 7 days.
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Companion BenefitIt pays a lump sum amount once a year if the insured is hospitalized for more than 10 days.
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Pre-Hospitalization & Post-Hospitalization Medical ExpensesIt covers the medical costs incurred immediately before hospital admission and for up to 30 days post-discharge.
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Ambulance CoverIt pays for the charges of availing road ambulance services to transport the insured to the hospital during a medical emergency.
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OPD TreatmentsIt excludes costs for outpatient consultations, diagnostic tests, pharmacy, etc.
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Pregnancy and Related ComplicationsIt does not cover expenses for childbirth, related complications or newborn baby treatment.
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Treatment for Alcoholism or Drug AddictionIt does not pay for treating medical conditions resulting from addiction of alcohol, drugs or other substances.
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External Durable Medical EquipmentIt excludes external durable medical equipment costs like wheelchairs, braces, crutches, etc.
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Treatments for Fertility or SterilizationIt does not pay for birth control treatments or assistive reproductive treatments (like IVF) or surrogacy.
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Self-inflicted InjuriesIt excludes treatment costs of injuries due to self-harm or attempted suicide.
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Good Health+It covers the medical expenses incurred on up to 8 OPD consultations and provides a discount on pharmacy and wellness centres.
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Home CareIt pays for the cost of hiring a qualified nurse for the care and convenience of the insured for a maximum of 7 days per illness and 45 days in a year. However, a deductible of 1 day applies to this cover.
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Health Check+It upgrades the annual health check-up benefit to a diabetes health check-up or cardiac health check-up benefit.
In case of emergency we are just a call away. Take care of your family, we will do the rest. Our claim specialists will reach your location & complete the formalties from filing the claim to documentation to coordinating with insurer, TPA & hospital. Available in New Delhi and 114+ cities View cities list ›Policybazaar Claim Process
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Care Freedom Plan: FAQs
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Q: What is the Care Freedom insurance policy?
Ans: The Care Freedom insurance policy provides medical coverage to people with pre-existing diseases, including diabetes, high blood pressure, BMI and kidney failure. It comes with annual health check-ups, consumable cover, restoration of the sum insured benefit, companion benefit, home care benefit, etc. It also allows policyholders to upgrade their basic health check-up into a diabetes health check-up or cardiac health check-up under the Health Check+ benefit on payment of an additional benefit.
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Q: Is recharge available in Care Freedom?
Ans: Yes. The Care Freedom plan provides automatic recharge of the sum insured benefit for unrelated illnesses in case of complete exhaustion.
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Q: Where can I check the Care Freedom plan cost?
Ans: YYou can check the Care Freedom plan cost by going through its premium chart available on its website or contacting their customer care. You can also use a Care health insurance premium calculator on Policybazaar.com to get an estimated cost.
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Q. What is the advantage of selecting a policy with a duration of more than 1 year?
Ans: If one buys Aditya Birla Health Insurance for more than a year, one can save 7.5 % and 10% on the 2 and 3 years premium, respectively.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. How is an Individual cover different from a Floater cover?
Ans: In an Individual cover, coverage is offered to each individual in the family separately. In a Family Floater health insurance plan, each family member is covered based on a floater sum insured.
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Q. What is a waiver of a mandatory co-pay cover?
Ans: This benefit is covered on payment of an additional premium. Therefore, any mandatory co-payment that is applicable under the Aditya Birla Activ Health Essential Plan will be waived off.
Care Health offers two types of claim settlements – cashless and reimbursement. Follow the steps to raise a claim:
- Find the nearest network hospital of Care Health
- Get admitted to the hospital
- Notify the insurance company about the hospitalization
- In case of pre-planned hospitalization, intimate the insurer before hospital admission.
- Fill up the pre-authorization form and submit it to the hospital staff
- The pre-authorization form will be sent to Care Health for approval.
- Once approved, obtain medical treatment.
- At the time of discharge, sign all the medical documents.
- Pay for the items/services not covered under the Care Health policy
- The network hospital will send the hospital bill to Care Health.
- After review, the insurance company will pay the bill amount directly to the network hospital.
- Inform the insurance company about the hospitalization
- In case of planned hospitalization, notify the insurer before hospital admission.
- Receive medical treatment
- At the time of discharge, pay the entire hospital bill in full.
- Collect all the medical documents, bills and payment receipts
Our Claim specialists in below cities will reach your hospital or home in 30 minutes to support your health insurance claim
