Care
Care Freedom plan
The Care Freedom plan is a health insurance policy designed for individuals with pre-existing conditions like diabetes, hypertension, and high BMI. It offers coverage options ranging from ₹3 lakhs to ₹10 lakhs and includes benefits such as in-patient hospitalization (up to base SI), pre- and post-hospitalization expenses (up to 10% of payable hospitalization expenses depending on SI opted for), AYUSH treatments (up to SI), and annual health check-ups. Notably, it has a relatively short waiting period of 24 months for pre-existing diseases. The plan also provides coverage for daycare procedures (up to SI), domiciliary hospitalization (up to 10% of base SI), and consumable allowances (up to 1K/day depending on SI opted), making it suitable for lifestyle-related health concerns.
What's good here?
Short waiting period for Pre Existing Diseases
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.
Day Care treatments covered
If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.
Covers Alternative Medicine
Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.
Free Health Checkups every year
If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.
What's bad here?
You will have to pay a portion of the bill
The policy will only cover 100% of the final bill. The rest is on you. They call this a co-payment.
The policy will only cover 100% of the final bill. The rest is on you. They call this a co-payment.
Restrictions on the rooms you can pick and much more
Tough luck if you are thinking about opting for a single private room and a lower cover Because the policy only lets you stay in a shared room for cover of 5 lakhs. If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up. Read more here
Maternity benefits not offered
TODO
Has disease wise sub-limits
Your insurance cover won’t be fully available in case you are treated for Cataract, Knee Replacement, Hernia, Hysterectomy, Benign Prostate Hypertrophy, Renal Stones, Cancer, Cerebrovascular & Cardiovasular disorders and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.
Doctor consultations are not covered
TODO
What's okay here?
Pre & Post hospitalization
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount upto 10% of hospitalization expenses incurred.
No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount upto 10% of hospitalization expenses incurred.
Some Restoration Benefit
Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.
Some coverage if you are forced to hospitalize at home
The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.
What's lacking here?
No Bonus for being healthy and not claiming insurance
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.
Add-ons
Health Check+
With this add-on, the insurance company upgrades normal health check-up to either diabetes Health Check-up or Cardiac Health Check-up. This add-on is mandatory for insulin-dependent insured members.
Home Care
Get coverage Upto Rs.1000/- per Day for Hiring Qualified Nurse at home. It is available for a maximum of 7 Days per hospitalization. But remember, this benefit is available only post-discharge from the hospital and on the Doctor's written advice with valid reason.
Frequently Asked Questions
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