Care Freedom Health Insurance - Individual & Floater Cover
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Care Freedom Health Insurance Plan

Care Freedom is the plan that allows you to be worry-free in every sit ...Read More

Up to 1 Cr
Sum insured
1
No. of plans
158+
Pan India presence
97%
Claim settlement ratio
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🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement

Care Freedom is the plan that allows you to be worry-free in every situation. This health insurance is for people suffering from diabetes, high blood pressure, and high BMI. Now, you can get health insurance coverage without worrying about your current health status.

Why do we recommend this?
  • Covers Pre-existing Diseases
  • Covers Health Check-ups
  • Direct Claim Settlement

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
Min 90 days, Max- Lifelong
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹6 L, ₹7 L, ₹10 L
Waiting period
30 days
Renewability
Lifelong
Policy term
1, 2, 3 years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual health checkup

Cons

  • Change of gender treatment
  • Obesity treatment
  • HIV/AIDS not covered
  • Cosmetic surgery unavailable

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Not covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Not covered
  • New-born baby cover Not covered
  • IVF treatment Not covered
  • AYUSH treatment Not covered
  • Organ donor expenses Not covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Not covered
  • E-consultation Not covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Not covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Not covered

Video reviews

Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.

Religare Care Freedom | Care Health Insurance Plan

Religare Care Freedom | Care Health Insurance Plan

Care Health Insurance Plan Detailed Review

Care Health Insurance Plan Detailed Review

Care Health Insurance Network Hospital List

Care Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Care Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Delhi Mumbai Bengaluru Chennai Kolkata Hyderabad Pune Ahmedabad Jaipur Lucknow

Know More About Network Hospitals →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • 2 plan variants
  • Consumable allowance
  • Annual health check-up
  • Long term discounts

Frequently Asked Questions

The 4 most-asked questions about Care Freedom Health Insurance Plan, answered.

Care Freedom will cover Dialysis up to INR 1,000 per sitting.
No, the plan does not provide coverage for Plastic or cosmetic surgeries.
Yes, Care Freedom offers discounts on your premium if you opt for a longer policy term.
Yes, he can. Care Freedom is especially designed for those suffering from Diabetes or Hypertension. You can buy this plan without any pre-medical check-ups.

Conclusion

Care Freedom is designed for people with pre-existing conditions like diabetes and hypertension.

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Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Naval Goel — Founder & CEO, PolicyX.com Reviewed by Manoj Kumar — IRDAI-certified Health Insurance Specialist
Last updated: 1 Jun 2026 · Originally published: 19 Nov 2024

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