What are the exclusions in Care Freedom plan of Religare?

The standard policy exclusions are- ➢Any pre-existing ailment/injury not covered up to 24 continuous months from the date of policy issuance ➢Any diseases contracted during first 30 days of the policy start date except those arising out of accidents ➢Any OPD Treatment ➢Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide) ➢Expenses arising out of or attributable to alcohol or drug use/misuse/abuse ➢Cost of spectacles/contact lenses, dental treatment expenses that do not require hospitalisation ➢Medical expenses incurred for treatment of AIDS ➢Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences ➢Congenital disease ➢Tests and treatment relating to infertility. There are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years. For more details, kindly refer to detailed exclusion list on the official website of Religare.

What all does Religare’s Care Freedom Plan cover?

Religare’s Care Freedom Plan covers the following things- ➢In-patient care ➢Day care treatment (for selected ailments) ➢Recharge of sum assured ➢Annual health check-up ➢Consumable Allowance (Max. 7 days per Hospitalisation covered after 3 days) ➢Companion Benefit (If Hospitalisation exceeds 10 days) ➢Pre-hospitalisation expenses (valid till 30 days beyond the Policy End Date) ➢Post-hospitalisation expenses (valid till 30 days beyond the Policy End Date) ➢Ambulance Cover ➢Domiciliary Hospitalisation ➢Dialysis Cover ➢Tenure

Is pre-policy medical check-up required in Religare’s Care Freedom Plan?

No, you don’t have to undergo pre-policy medical check-up for all ages and sum insured under Plan 1 of Religare’s Care Freedom Plan.

Does Religare’s Care Freedom Plan provide annual health check-up?

Yes, annual health check-up is included in Religare’s Care Freedom Plan.

What is the minimum entry age for Religare’s Care Freedom Plan?

For Care Freedom Plan 1 (Rs. 3 Lakh/Rs. 5 Lakh), the minimum entry age for an adult is 18 years and for a child it is 90 days. Whereas in Care Freedom Plan 2 (Rs. 3 Lakh/Rs. 5 Lakh/Rs. 7 Lakh/Rs. 10 Lakh), the minimum entry age in individual plan is 46 years and for Floater, it is 46 years for eldest insured person, 18 years for other adult and 90 days for a child.

What is the maximum entry age for Religare’s Care Freedom Plan?

Maximum entry age in Religare’s Care Freedom Plan for Individual and Floater plan for family cover is lifelong.

What is the waiting period for pre-existing diseases in Religare’s Care Freedom Plan?

Waiting period for pre-existing diseases in Religare’s Care Freedom Plan is 2 years of continued coverage.

What is the grace period in Religare’s Care Freedom Plan?

The grace period in Religare’s Care freedom Plan is of 30 days from the date of expiry.

What is the initial waiting period in Religare’s Care Freedom Plan?

The initial waiting period is of 30 days from any illness in Religare’s Care Freedom Plan.

How to buy and apply for Religare’s Care Freedom plan?

You can buy and apply for Religare’s Care Freedom Health Insurance Policy online from the official website of Religare Health Insurance at religarehealthinsurance.com or through online broker’s website like insurancedekho.com.

Are pre-policy medical check-ups required for buying the policy?

No, pre-policy medical check-ups are not required for buying the policy irrespective of the insured’s age and the chosen sum insured.

Care Freedom Health Insurance Wordings

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Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	93.00%
Network Hospitals	24,800+
Pre-existing Disease Coverage From	Day 1
Special Benefits	No Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverage	Rs. 546/month

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Care Health Insurance Plan List

Family (3)
Individual (3)
Woman (1)
Critical Illness (3)
Heart (2)
Senior Citizen (2)
Parents (1)
Maternity (1)
Cancer (1)

Name of Plan	Sum Insured
CareMin: 91 Days; Max: No LimitPopular	4 Lakh	Check Premium
PlusPopular		Check Premium
SupremePopular		Check Premium
Care AdvantageMIn: 91 Days; Max: LifelongPopular	25 Lakh	Check Premium
Care ClassicPopular		Check Premium
Care HeartMin: 18 Years; Max: No Limit	2 Lakh	Check Premium
Care SeniorMin: 61 Years; Max: No Limit	3 Lakh	Check Premium
Arogya Sanjeevani PolicyMin: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Critical MediclaimMin: 5 Years; Max 50 Years	10 Lakh	Check Premium
Corona Kavach PolicyMin: 1 day ; Max: 65 years	50,000 - 5 lakh	Check Premium
Care FreedomMin: 90 Days; Max: No Limit	3 Lakh	Check Premium
JoyMin: 1 Day; Max: 65 Years	3 Lakh	Check Premium
Super MediclaimMin: 91 Days; Max: No Limit	1 Lakh	Check Premium

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Family (1)
Individual (1)
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Name of Plan	Sum Insured
EnhanceMin: 1 Day; Max: No Limit	1 Lakh	Check Premium
Care Enhance Min: 1 Day; Max: No Limit	1 Lakh	Check Premium

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FAQs on Care Freedom Health Insurance Plan

What are the exclusions in Care Freedom plan of Religare?
The standard policy exclusions are- ➢Any pre-existing ailment/injury not covered up to 24 continuous months from the date of policy issuance ➢Any diseases contracted during first 30 days of the policy start date except those arising out of accidents ➢Any OPD Treatment ➢Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide) ➢Expenses arising out of or attributable to alcohol or drug use/misuse/abuse ➢Cost of spectacles/contact lenses, dental treatment expenses that do not require hospitalisation ➢Medical expenses incurred for treatment of AIDS ➢Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences ➢Congenital disease ➢Tests and treatment relating to infertility. There are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years. For more details, kindly refer to detailed exclusion list on the official website of Religare.
What all does Religare’s Care Freedom Plan cover?
Religare’s Care Freedom Plan covers the following things- ➢In-patient care ➢Day care treatment (for selected ailments) ➢Recharge of sum assured ➢Annual health check-up ➢Consumable Allowance (Max. 7 days per Hospitalisation covered after 3 days) ➢Companion Benefit (If Hospitalisation exceeds 10 days) ➢Pre-hospitalisation expenses (valid till 30 days beyond the Policy End Date) ➢Post-hospitalisation expenses (valid till 30 days beyond the Policy End Date) ➢Ambulance Cover ➢Domiciliary Hospitalisation ➢Dialysis Cover ➢Tenure
Is pre-policy medical check-up required in Religare’s Care Freedom Plan?
No, you don’t have to undergo pre-policy medical check-up for all ages and sum insured under Plan 1 of Religare’s Care Freedom Plan.
Does Religare’s Care Freedom Plan provide annual health check-up?
Yes, annual health check-up is included in Religare’s Care Freedom Plan.
What is the minimum entry age for Religare’s Care Freedom Plan?
For Care Freedom Plan 1 (Rs. 3 Lakh/Rs. 5 Lakh), the minimum entry age for an adult is 18 years and for a child it is 90 days. Whereas in Care Freedom Plan 2 (Rs. 3 Lakh/Rs. 5 Lakh/Rs. 7 Lakh/Rs. 10 Lakh), the minimum entry age in individual plan is 46 years and for Floater, it is 46 years for eldest insured person, 18 years for other adult and 90 days for a child.
What is the maximum entry age for Religare’s Care Freedom Plan?
Maximum entry age in Religare’s Care Freedom Plan for Individual and Floater plan for family cover is lifelong.
What is the waiting period for pre-existing diseases in Religare’s Care Freedom Plan?
Waiting period for pre-existing diseases in Religare’s Care Freedom Plan is 2 years of continued coverage.
What is the grace period in Religare’s Care Freedom Plan?
The grace period in Religare’s Care freedom Plan is of 30 days from the date of expiry.
What is the initial waiting period in Religare’s Care Freedom Plan?
The initial waiting period is of 30 days from any illness in Religare’s Care Freedom Plan.
How to buy and apply for Religare’s Care Freedom plan?
You can buy and apply for Religare’s Care Freedom Health Insurance Policy online from the official website of Religare Health Insurance at religarehealthinsurance.com or through online broker’s website like insurancedekho.com.
Are pre-policy medical check-ups required for buying the policy?
No, pre-policy medical check-ups are not required for buying the policy irrespective of the insured’s age and the chosen sum insured.

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Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
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Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation within 24 hours and for planned hospitalisation intimate within 48 hours prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

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