Care Freedom Plan

Care Freedom Plan

  • 20,800+ Network Hospitals
  • 100% Claims Settled in the Year 2021-22
  • Get Rewarded for Staying Healthy

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:

  • Entry Age

    Entry Age: 91 Days to Lifelong

  • Renewability

    Lifelong

  • Policy Type

    Individual and Family Floater

  • Plan Variant

    Care Freedom Plan 1 and Care Freedom Plan 2

  • Sum Insured

    Care Freedom Plan 1: INR 3L, INR 5L Care Freedom Plan 2: INR 7L, INR 10L

  • Policy Term

    1, 2, 3 Years

  • Waiting Period for PED

    36 months

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

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 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:

01

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.
02

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.

03

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 -
04

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