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Religare Care Freedom | Care Health Insurance Plan
Care Health Insurance
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
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,714 reviews
🏥 11,400+ hospitals
📊 1.74 solvency ratio
✅ 97% claim settlement
About Care Freedom Health Insurance Plan
A quick read on what this Care Health Insurance plan covers and why it might be a fit for you.
Free yourself from the worries of healthcare.
As the name suggests, 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. You can get health insurance coverage without worrying about your current health status. With this plan, you only need to serve a 2-year waiting period. Two types of variants fall under the Care Freedom plan:
- Care Freedom Plan 1 - Minimum entry age is 90 days.
- Care Freedom Plan 2 - Minimum entry age for individuals is 46 years.
If you are diagnosed with any critical illness, then this plan is for you. You just need to serve a two-year waiting period and then apply for the claim. Read more to understand the plan.
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
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
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.
Care Health Insurance Plan Detailed Review
What Makes this Plan Stand Out?
-
Covers Pre-existing Diseases
A special plan by Care Health for your ultimate healthcare requirements. This plan covers critical illnesses such as diabetes, cancer, and heart ailments. -
Covers Health Check-ups
Under the Health Check+ feature, you can upgrade your annual health check-up to either a diabetes or cardiac health check-up. -
Direct Claim Settlement
Care Health provides a CHI Health Card, which you can use at any network hospital to avail of cashless benefits. -
Covers Dialysis
The plan covers dialysis charges by paying an amount per sitting for up to 24 months. -
Free Look Period
If you do not want to continue with the health insurance plan, the policy provides a free look period of 15 days within which you can cancel the policy. -
Consumable Allowance
A hospital visit includes more than just medical bills. The Care Freedom plan pays a consumable allowance for up to 7 days per hospitalization.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Permanent Exclusions
- Permanent diseases or health conditions not included under this plan are:
- Injuries resulting from a suicide attempt
- Injuries resulting from adventurous sports
- Hospitalization due to alcohol and drug abuse
- Maternity
- Cost of routine eye and ear examinations, dentures, and artificial teeth
- Tests and treatments related to infertility and sterility
- External Congenital Disease
- Coverage after Waiting Period
- Some treatments are covered after a defined waiting period under this plan:
- Pre-Existing Diseases after 2 years
- Initial Waiting Period after 30 Days
- Specific ailment after 2 years
- COVID-19 Treatment after 15 days
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
Other features & benefits
- Cashless healthcare
- No pre-policy check-up
- SI recharge
- Lifelong renewability
Care Freedom Policy: FAQs
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.
Explore Care Health Insurance
Care Health for Maternity
Care Health for Senior Citizens
Claim Settlement Ratio
Care Health Insurance Premium Calculator
Care Health Renewal
Care Health Incurred Claim Ratio
Care Health Cancellation
Free Annual Check-Up
Care Health Policy Download
Diseases Covered by Care Health
Care Health Claim Process
Care Critical Illness Insurance
Care Critical Illness Plan
Customer Care
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