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Care Freedom Health Insurance

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Care Health Insurance
Care Freedom
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio95.22%
Network Hospitals21,100+
Pre-existing Disease Coverage FromDay 1
Special BenefitsNo Extra Premium for Disease Coverage
Starting Premium for Rs. 5 lakhs coverageRs. 546/month

About Care Freedom Health Insurance

Care Freedom Policy, as the name suggests, is a medical insurance policy that frees you from the worries of healthcare. The policy comes in two variants namely Care Freedom 1 and Care Freedom 2. In the first variant, the minimum entry age under the policy is 18 years for adults and 90 days for children, whereas, in the second variant, the minimum entry age for an individual as well as the eldest insured person (on a floater basis) is 46 years, for other adult is 18 years, whereas for a child is 90 days. The minimum age requirement to be the proposer for this policy is 18 years. You can buy the policy either on an individual basis or a family floater basis (up to 6 members), as per your requirement.

There are several highlights of this policy, some of which include no requirement of pre-policy medical check-up, lifelong renewability, tax benefits under Section 80D of the Income Tax Act, 1961, the option to avail cashless treatment, settlement of claims directly by the insurance company, annual health check-up for all insured members covered as adults, and only 2 years waiting period for pre-existing diseases. Apart from this, the policy offers several coverage features to the insured in order to keep them covered at all times. For instance, cover for in-patient treatment expenses, pre-hospitalisation and post-hospitalisation expenses, road ambulance expenses, domiciliary expenses, etc. You can buy the policy for 1 year, 2 years, or 3 years as per your convenience. However, it is recommended to buy it for a longer-term, to avoid frequent renewals.

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Key Inclusions and Exclusions of the Plan

What's Included

  • Expenses related to ambulance for up to Rs. 1,000 per hospitalisation
  • Domiciliary hospitalisation for up to 10% of sum insured after 3 days
  • Companion benefit for up to a specific limit
  • In-patient hospitalisation expenses
  • Daycare treatment expenses
  • Annual health check-up

What's Not Included

  • Expenses arising due to use or misuse of alcohol/tobacco/drug
  • Expenses for treatment arising due to congenital diseases
  • Admission for the purpose of investigation
  • Tests and treatments related to infertility
  • Expenses related to treatment of AIDS

Care Freedom Plan Details

Features/PlanCare Freedom (3 Lakh)Care Freedom (5 Lakh)Care Freedom (7, 10 Lakh)
Restoration Benefit
100%
100%
100%
Room Rent
1% of SI
Twin sharing room
Single private room
ICU Charges
2% of SI
No limit
No limit
Pre and Post Hospitalization
Up to 7.5% of payable hospitalization expenses
Up to 10% payable hospitalization expenses 
Up to 10% payable hospitalization expenses 
Day Care Procedure
170
170
170
Free Health Checkup
Annual health check-up
Annual health check-up
Annual health check-up
Convalescence benefit
Rs. 10000
Rs. 15000
Rs. 15000
Domiciliary Hospitalization
Up to 10% of SI
Up to 10% of SI
Up to 10% of SI
Ambulance Cover
Up to Rs. 1000 per hospitalization
Up to Rs. 1000 per hospitalization
Up to Rs. 1000 per hospitalization
Specific Illness Waiting Period
20% per claim
20% per claim
20% per claim
Waiting Period of PED
2 years
2 years
2 years
Additional Features
Home care, health check-up plus
Yes
Yes
Special Feature
Plan provides benefit for cataract, knee joint replacement, all types of hernia, renal complications and disorders, etc. with sub-limits
Plan provides benefit for cataract, knee joint replacement, all types of hernia, renal complications and disorders, etc. with sub-limits
Plan provides benefit for cataract, knee joint replacement, all types of hernia, renal complications and disorders, etc. with sub-limits
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Add-ons to Enhance Benefits

  • Home Care

    This add-on covers you for expenses arising towards hiring a qualified nurse to offer care and convenience to the insured person, for up to a specific number of days.

  • Health Check+

    This add-on covers you for expenses arising towards hiring a qualified nurse to offer care and convenience to the insured person, for up to a specific number of days. 

Care Freedom Expert Review

  • Expert Review

    Religare Care Freedom is a senior citizen health insurance plan which is designed keeping in mind the coverage requirements of senior citizens. The plan provides a comprehensive list of coverage benefits which aim to cover all possible costs of hospitalisation. Moreover, there are optional coverage benefits too which can be taken by paying an additional premium. The plan has extended its coverage to individuals who have been successfully cured of tuberculosis along with coverage for pre-existing diseases such as diabetes, hypertension, high cholestrol and BMI < 37.

    The plan has three variants, Plan 1 which is further subdivided into two plans and Plan 2. The sum insured also varies across variants. It starts from Rs.3 Lakh and goes up to Rs.10 Lakh. The plan can be taken as an individual plan or as a family floater plan. Entry age for adults is 18 years under Plan 1 and 46 years for Plan 2. For children, the minimum entry age is 90 days and they are covered up to 24 years. There is no maximum entry age making the plan suitable for all.

  • Major Attractions

    The plan covers all the basic medical costs like pre hospitalisation, post hospitalisation, etc. Besides these, the following benefits are also provided –

    • Sum insured restoration feature is available under the plan which recharges the sum insured completely if the original sum insured is used up
    • Free health check-ups are allowed every year
    • No pre-policy medical checkup required
    • Only 2 year waiting period for pre-existing diseases
    • Automatic recharge of sum insured
    • A consumables allowance is paid on a daily basis for meeting the small medical costs incurred in case of hospitalisation.
    • If you are hospitalised for 10 consecutive days, the plan pays a lump sum companion benefit
    • Treatments taken at your home are also covered under domiciliary hospitalisation for up to 10% of the sum insured
    • The plan allows coverage for dialysis treatments too if the insured undergoes dialysis for kidney failure
    • Good Health + cover is allowed as an optional benefit which allows the insured to avail free medical consultations with the company’s empanelled medical experts. Moreover, you can also avail discounts at networked pharmacies and wellness centres
    • Home Care cover is available which covers the cost of appointing a qualified nurse at home for taking care of the insured
    • Health Check+ cover upgrades the free health check-up available under the policy. With this optional cover you can avail annual health check-ups for diabetes or cardiac health
  • What’s More?

    Other attractive features of Care Freedom include the following –

    • Lifelong renewability is promised by the plan
    • Tenure discount is available for choosing a long term coverage period. The discount is 7.5% for 2-year period and 10% for 3 year period
    • Family discount is also available under the plan. If, 2 or 3 members are added, 5% discount is allowed and if 4 or more members are added, the discount increases to 10%
    • If you choose a deductible under the plan, a discount would be allowed depending on the deductible level selected
    • Premiums paid are eligible for deduction under Section 80D
  • Conclusion

    With the comprehensive coverage, inbuilt as well as optional, and premium discounts, the plan allows an affordable all-round coverage for individuals of all ages, especially for senior citizens. The coverage level is also optimal making sure that the medical costs do not burn a hole in your pocket.

    If you like the plan you can buy it online through InsuranceDekho. The online medium is the easiest way to buy and InsuranceDekho makes the process quick and efficient. You can find your exact coverage requirements and also take assistance from InsuranceDekho’s team when buying ensuring that you buy the policy easily and quickly.

Care Care Freedom Brochure

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Claim Process at Care Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 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

    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.

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.

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