Care Freedom Health Insurance

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. 

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

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

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.

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

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.

Yes, annual health check-up is included in 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.