Care Freedom Health Insurance Plan: Benefits, Buy & Renew Online

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.

This Care health insurance policy also offers dialysis cover and OPD cover for doctor consultations and pharmacy under the Good Health+ benefit. Moreover, it comes with consumables cover, companion benefit and home care benefit.

Care Freedom Plan: Key Highlights

Categories	Specifications
Sum Insured	₹2 lakh to ₹10 lakh
Plan Variants	Plan 1, Plan 2
Policy Tenure	1 year, 2 years, 3 years
Pre-Policy Medical Check-ups	Not required for up to 45 years
Initial Waiting Period	30 days
Specific Ailments/ Treatments/ Illnesses Waiting Period	2 years
Pre-existing Diseases Waiting Period	2 years
Discount	Up to 60% deductible discount Up to 10% tenure discount Up to 10% family discount
Co-payment	20% or 30% on all claims

Benefits of Care Freedom Plan

Check out the various Care Freedom plan benefits:

Recharge of Sum Insured

Under this health insurance policy, the policy sum insured will be automatically recharged by 100% for unrelated illnesses in case the base coverage amount is exhausted.
Annual Health Check-ups

Policyholders can avail preventive health check-ups once a year at any network service provider of the insurance company.
Aggregate Deductible

Care Health Insurance allows policyholders to opt for an aggregate deductible, ranging from ₹25,000 to ₹3 lakh, to reduce their premiums by up to 60%.
Health Check+

With the Health Check+ benefit, policyholders can upgrade their annual health check-up benefit to a diabetes health check-up or cardiac health check-up benefit. However, this benefit is available as an optional cover.
Good Health+

Under the Good Health+ benefit, the insurer provides OPD coverage for doctor consultations and offers discounts at pharmacies and wellness centres. However, this benefit is available as an optional cover.
Tax Benefits

Policyholders can obtain tax deductions on the premiums paid to buy a Care Freedom policy under Section 80D of the Income Tax Act.

Care Freedom Plan Eligibility Criteria

Take a look at the eligibility criteria to buy a Care Freedom plan:

Parameters	Eligibility Criteria
Minimum Entry Age	Adult – 18 years (for Plan 1) and 46 years (for Plan 2) Child – 90 days
Maximum Entry Age	Adult – No age limit Child – 24 years
Coverage Type	Individual/Family floater
Renewability	Lifelong

Inclusions of Care Freedom Plan

The Care Freedom plan comes with the following inclusions:

In-patient Care – It covers the cost of getting hospitalized for 24 hours or more, including room rent, ICU charges, nursing charges, surgeon’s fees, etc.
Day Care Treatment – It pays for the medical expenses incurred on availing listed day care procedures that require less than 24 hours of hospitalization.
Consumable Allowance – It 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.
Companion Benefit – It pays a lump sum amount once a year if the insured is hospitalized for more than 10 days.
Pre-Hospitalization & Post-Hospitalization Medical Expenses – It covers the medical costs incurred immediately before hospital admission and for up to 30 days post-discharge.
Ambulance Cover – It pays for the charges of availing road ambulance services to transport the insured to the hospital during a medical emergency.
Domiciliary Hospitalization – It covers the cost of availing hospital-like treatment at home for more than 3 days in case shifting the insured to a hospital is not possible.
Dialysis Cover – It pays for the medical expenses incurred on dialysis for a maximum of 2 years.

Optional Covers:

Good Health+ – It covers the medical expenses incurred on up to 8 OPD consultations and provides a discount on pharmacy and wellness centres.
Home Care – It 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.
Health Check+ – It upgrades the annual health check-up benefit to a diabetes health check-up or cardiac health check-up benefit.

Exclusions of Care Freedom Plan

The Care Freedom plan excludes the following medical expenses:

OPD treatments
Pregnancy, childbirth or related complications
Treatment for alcoholism or drug addiction
Non-allopathic treatment
External durable medical equipment costs, like wheelchairs, braces, etc.
Treatments for fertility, sterilization or birth control
Self-inflicted injuries
Cosmetic or plastic surgery
Treatments taken outside India
Conditions resulting from sexually transmitted diseases (STD)
External congenital anomaly

FAQs

Q1. 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.
Q2. 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.
Q3. Where can I check the Care Freedom plan cost?

Ans: You 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.
Q4. How many day care procedures are covered by the Care Freedom plan?

Ans: The Care Freedom plan covers the medical expenses incurred on 170 day care treatments.
Q5. Does the Care Freedom plan come with any sub-limits?

Ans: Yes. The Care Freedom plan comes with sub-limits on cataract, total knee replacement surgery, and treatment for cancer/heart diseases, among others.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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