Care Freedom Plan from Care Health Insurance is a groundbreaking health insurance solution that empowers you to take control of your healthcare journey. Designed specifically for individuals managing pre-existing conditions like diabetes, hypertension, and high BMI, the Care Freedom Policy offers sum insured options up to INR 10 lakhs. This comprehensive plan covers your hospitalization and treatment expenses for the most common diseases of this modern world. Moreover, it's available on an individual and family floater basis with a lifetime renewability option, giving you peace of mind for the long term.
Highlights of Care Freedom Insurance Policy
Below are the specifications of the Care Plus Health Insurance from Care Health Insurance:
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Entry Age
Entry Age: 91 Days to Lifelong
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Renewability
Lifelong
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Policy Type
Individual and Family Floater
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Plan Variant
Care Freedom Plan 1 and Care Freedom Plan 2
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Sum Insured
Care Freedom Plan 1: INR 3L, INR 5L Care Freedom Plan 2: INR 7L, INR 10L
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Policy Term
1, 2, 3 Years
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Waiting Period for PED
36 months
Network Hospitals
Eligibilities to buy Care Freedom Insurance Policy
Below is the eligibility of the Care Freedom Health Insurance:
Care Freedom Plan 1
- Individual
- Family Floater
Entry Age: 18 Years to Lifelong
Entry Age: 90 Days to Lifelong
Policy Term: 1,2,3 Years
Child: 90 to 24 Days
Care Freedom Plan 2
- Individual
- Family Floater
Entry Age: 18 Years to 46 Years
Entry Age: 18 Years to 46 Years
Policy Term: 1, 2, 3 Year
Child: 90 Days to 24 Years
Coverage Benefits Offered Under Care Freedom Insurance Plan
The Care Freedom Plan comes in two variants, Care Freedom Plan 1 and Care Freedom Plan 2, each offering a comprehensive shield against medical uncertainties. Let's delve into the specific coverage benefits that make these plans stand out. Here's what you get with Care Plus Health Insurance:
Care Freedom Plan 1
- 3L
- 5L
Room Rent
Twin Sharing Room (1% of the Sum Insured)
Twin Sharing Room
ICU Charges
2% of the Sum Insured
Covered up to the Sum Insured
Pre-Hospitalization
Covered up to 7.5% of hospitalization expenses for 30 Days
Post-Hospitalization
Covered up to 7.5% of hospitalization expenses for 30 Days
Covered up to 10% of hospitalization expenses for 30 Days
Daycare Treatments
Covered up to Sum Insured
Domiciliary Hospitalization
Covered up to 10% Sum Insured
Automatic Restoration
Up to 100% Sum Insured
Ambulance Cover
Covered up to INR 1K
Annual Health Check-up
Available for once per year
Co-payment
20% for customers age up to 70 years 30% for customers aged above 70 years
Consumable Allowance
INR 750 per day
INR 1K per day
Dialysis Cover
Up to INR 1K per sitting
Companion Benefit
INR 10K
INR 15K
Care Freedom Plan 2
- 7L
- 10L
Room Rent
Single Private AC Room
ICU Charges
Covered up to the Sum Insured
Pre-Hospitalization
Covered up to 7.5% of hospitalization expenses for 30 Days
Post-Hospitalization
Covered up to 7.5% of hospitalization expenses for 30 Days
Covered up to 10% of hospitalization expenses for 30 Days
Daycare Treatments
Covered up to Sum Insured
Domiciliary Hospitalization
Covered up to 10% Sum Insured
Cataract
Covered up to INR 20K per eye
Covered up to INR 30K per eye
Automatic Restoration
Up to 100% Sum Insured
Ambulance Cover
Covered up to INR 1K
Annual Health Check-up
Available for once per year
Co-payment
20% for customers age up to 70 years 30% for customers aged above 70 years
Consumable Allowance
INR 1K per day
Dialysis Cover
Up to INR 1K per sitting
Companion Benefit
INR 15K
Care Plus Insurance Policy Exclusion
Below is the list of diseases and conditions that are not covered under the Care Plus Insurance Policy:
- Mental illness
- Any OPD Treatment
- Intentional self-injury
- Change of Gender
- AIDS
- Cosmetic & aesthetic treatment
- Dental surgery
- Hospitalization due to war, strikes, riots, and nuclear weapons.
- Congenital disease
- Miscarriage and abortion
Coverage After Waiting Period
Below is the list of benefits that are covered after a certain waiting period:
- Initial Waiting Period: 30 Days
- Waiting Period for Pre-existing Period: 24 Months
- Listed Ailments: 24 Months
- COVID-19: 15 Days
Care Freedom Policy Additional Benefits
Care Freedom plan by Care Health Insurance recognizes the need for additional coverage beyond the main plan. They offer a variety of add-on benefits to customize your health insurance plan and ensure that you get the protection that suits your needs. Here are the add-on options:
Care Shield
This add-on offers three policy benefits: Claim Shield, No-Claim Bonus Shield, and Inflation Shield.
- Claim Shield: It covers non-payable expenses such as attendant charges, gloves, masks, etc.
- No Claim Bonus Shield: It shields the no-claim bonus if the total claim amount is less than 25% of the sum insured in a policy year.
- Inflation Shield: The base policy sum insured amount will be increased cumulatively at each renewal based on the inflation rate in the previous year.
Home Care
This add-on covers the expenses incurred to hire a qualified home nurse to care for the insured person on the doctor's recommendation. Care Health Insurance will cover up to INR 1K for a maximum of 7 days per hospitalization, with a 1-day deductible for each hospitalization.
Health Check+
This add-on rider will upgrade your annual health checkup to a cardiac health checkup or diabetes health checkup.
| Diabetes Health Checkup | Cardiac Health Checkup |
|---|---|
| Complete Blood Count with ESR | Complete Blood Count with ESR |
| Urine RE | Urine RE |
| Blood Group | Blood Group |
| Fasting and PP Blood Sugar | Fasting and PP Blood Sugar |
| TMT | TMT |
| Lipid Profile | Lipid Profile |
| Kidney Function Test | Kidney Function Test |
| TSH | TSH |
| Liver Function Test | Liver Function Test |
| Medical Examination Report | Medical Examination Report |
| HBA1C | Chest X-Ray |
| Urine for Micro Albuminuria | Hbs AG |
| Hbs AG | - |
Care OPD
This add-on provides you with the coverage on the bill of OPD consultation. medicines, and diagnostics. The company allow you to get 4 doctor consultations per year, and for each consultation, the amount payable is upto INR 500. Here are the 14 specialists that include:
- Paediatrician
- Obstetrics and Gynecologist
- Homeopathic Physician
- Dietician
- Diabetology
- Dermatology
- Pulmonologist
- Psychiatrist
- Cardiologist
- Neurologist
- Orthopedic Surgeon
- Nephrologist
- Gastroenterologist
- ENT Specialist
