Care Freedom Health Insurance

The Care Freedom Policy is like a shield against health worries. It's a type of medical insurance with two versions: Care Freedom 1 and Care Freedom 2. The first one starts at 18 years for adults and 90 days for kids, while the second one has an entry age of 46 years for individuals and the oldest person (for family coverage), 18 years for other adults, and 90 days for kids. You need to be at least 18 years old to apply for the policy.

You can get this insurance policy for yourself or your family (up to 6 members). Moreover, the policy covers a bunch of things like in-patient treatment, pre-hospitalisation and post-hospitalisation expenses, road ambulance costs, home treatment, and more. You can buy it for 1, 2, or 3 years, but it's smart to go for a longer term to avoid renewing it too often.

Care Freedom Health Insurance At a Glance

Care Freedom Health Insurance highlights are listed in given table below:

Riders Available With Care Freedom Health Insurance

To make your Care Freedom Policy even better, it offers additional covers to provide you with maximum protection. Check out the options below:

• COVID Care with OPD: If you're diagnosed with COVID by a government-authorised center, this add-on lets you get OPD benefits up to 1% of the insured sum after a confirmed diagnosis.
• COVID Care: If you test positive for COVID at a government-authorised health center, this add-on covers all the expenses for your treatment or quarantine.
• Home Care: This cover takes care of the expenses for hiring a qualified nurse as recommended by your doctor to provide care at home.
• Health Check+: Upgrade your regular annual health check-up to a specialised one, like a diabetes or cardiac health check-up, with this extra benefit.
• Care Shield: This cover offers three protections—claim shield, no claim bonus shield, and inflation shield to secure you even more.

Key Features of Care Freedom Health Insurance Plan

The following are the key features of the Care Freedom Policy Health Insurance :

• Entry Age: Get coverage for Rs.3 lakh and Rs.5 lakh with adults eligible from 18 years and children from 91 days. For Rs.7 lakh and Rs.10 lakh, the eldest insured person should be 46+, other adults 18+, and children 91 days+.
• Basis: Choose between an Individual or Family Floater plan, accommodating up to 6 members for comprehensive coverage.
• Policy Period: Opt for a policy period of 1, 2, or 3 years, providing flexibility and convenience in your coverage duration.
• Renewability: Enjoy the convenience of lifetime renewability, ensuring continuous protection for the long term.
• Sum Assured: Select a sum assured that suits your needs, with options of Rs.3 lakh, Rs.5 lakh, Rs.7 lakh, or Rs.10 lakh.
• Premium: The plan features personalised premiums based on various factors, including age, cover type, number of members, policy term, optional covers, health status, plan, sum insured, co-payment, and deductible options.
• Co-Payments: For ages up to 70 years, bear 20% of the claim amount. For ages above 70 years, bear 30% of the claim amount.
• NCB Super Add-on: Mandatory for individuals aged 45 and below with a Sum Insured of Rs.5 lakh. Also mandatory for Sum Insured of Rs.3 lakh and Rs.4 lakh.

Eligibility Criteria of Care Freedom Health Insurance Plan

The eligibility criteria for the Care Freedom Plan insurance are as follows:

Variants of Care Freedom Health Insurance Policy

The variants of the Care Free plan are differentiated on the basis of the sum insured. Check out the table below to learn about each variant in detail:

Benefits of Care Freedom Health Insurance Plan

Care Freedom insurance plan brings a range of distinctive advantages for its policyholders:

• Cashless Treatment at Leading Hospitals: Experience hassle-free cashless hospitalisation at over 8350+ leading hospitals by simply presenting your Care Health Card.
• Direct Claim Settlement: Enjoy quick reimbursement for medical expenses without the need for a pre-policy medical check-up, regardless of your age or chosen Sum Assured.
• Policy Term Options: Choose from three flexible policy term options: 1 year, 2 years, and 3 years, providing you with the flexibility to align with your preferences.
• Waiting Period for Pre-Existing Diseases: A 24-month waiting period applies to pre-existing diseases, ensuring comprehensive coverage after the waiting period.
• Free-Look Period: If you decide the policy isn't for you, return it within 15 days of receiving it, and receive a refund after deducting the proportionate risk period and applicable stamp duty charges.
• Sum Insured Recharge: If your claim amount exceeds the coverage limit, the sum insured can be recharged at no extra cost. This recharged sum can be utilised for other members under the same policy or by the policyholder for different ailments in the same year.
• Annual Health Check-Up: Enjoy an annual health check-up, irrespective of your claims history, covering vital aspects like complete blood count, urine routine analysis, fasting blood sugar, lipid profile, kidney function tests, and ECG.
• Lifetime Renewability: Benefit from the plan's lifetime renewability, ensuring continuous coverage and peace of mind.
• Tax Exemption: Premiums paid for the Care Freedom Health Insurance Plan are exempt from taxation under Section 80C of the Income Tax Act, 1961, providing additional financial benefits.

Inclusions of Care Freedom Health Insurance Plan

Inclusions of the Care Health Insurance Care Freedom are mentioned below:

• In-patient Care and Daycare Treatment: If you stay in a hospital for more than 24 consecutive hours, the plan covers in-patient medical expenses like surgeon’s fees, anesthesia charges, blood, and oxygen. It also includes coverage for 170 specified daycare treatments.
• Pre and Post-hospitalisation: This plan covers all medical expenses during the pre and post-hospitalisation periods for a specific duration. The coverage limit depends on the insured person's chosen sum insured amount.
• Domiciliary Hospitalisation: If you receive medical treatment at home without being admitted to a hospital, the Care Freedom Plan will reimburse those expenses, subject to the company's terms and conditions.
• Consumable Allowance: Non-medical expenses during hospitalisation, such as consumables, transportation, and attendant costs, are covered by this plan for a maximum of 7 days per hospitalisation, after the initial 3 days.
• Recharge of Sum Insured: In case your claim amount exceeds the coverage limit, this plan automatically recharges the base sum insured. The recharged sum can be used by any insured members under the same policy for future claims.
• Ambulance Cover: The Care Freedom Plan includes coverage for ambulance expenses, ensuring you're taken care of during medical emergencies.
• Annual Health Check-up: Take advantage of an annual health check-up, upgrading your well-being with preventive measures and early detection of potential health issues.

Exclusions of Care Freedom Health Insurance Plan

The exclusions in the Care Freedom insurance plan are as follows:

• Outpatient Treatment: The plan does not cover any expenses related to outpatient treatment.
• Initial 30 Days: Diseases contracted in the first 30 days of the policy, except those arising from accidents, are not covered.
• Self-Inflicted Injury: Injuries caused by self-infliction, suicide, or suicide attempts are not eligible for coverage.
• Substance Intoxication: Expenses resulting from the consumption of alcohol, unauthorised drugs, or any intoxicating substance are not reimbursed.
• Non-Hospitalisation Dental: Costs for spectacles, contact lenses, and dental treatments not requiring hospitalisation are excluded from coverage.
• AIDS, HIV, and STDs: The policy does not cover AIDS, HIV, or sexually transmitted diseases.
• Pre-Existing Condition: Pre-existing diseases or injuries are not covered for the first 24 months from the policy start date.
• Pregnancy-Related: The plan does not take responsibility for treatments related to pregnancy, childbirth, miscarriage, abortion, and their consequences.
• Congenital Disease: Any congenital disease is not included in the coverage.
• Infertility Treatment: Expenses for tests and treatments related to infertility are not covered under the plan.

Documents Needed to Buy Care Freedom Health Insurance Plan

To get the Care Freedom Health Insurance Plan, you'll have to provide a few documents:

• A filled-out Application Form.
• Proof of identity like Aadhar card, Passport, Voter ID, or Driver's license.
• Proof of your age, such as a Birth Certificate, School Leaving Certificate, or Passport.
• Proof of address, which could be Utility Bills, Rental Agreement, or your Aadhar Card.
• Passport-sized Photographs.
• You might need to give pre-policy health check-up reports in some cases.
• Any other documents your insurer asks for.

How to Buy a Care Freedom Health Insurance Plan?

Getting the Care Freedom Health Insurance Plan through InsuranceDekho is easy. Just follow the steps below:

Step 1: Go to the InsuranceDekho website, and click on "Health Insurance" under the Insurance section.

Step 2: Pick "Care Health Insurance" from the list of Health Insurance Companies.

Step 3: Choose the "Care Freedom" plan from the available health insurance plans.

Step 4: Check out the terms and conditions in the Care Freedom policy document.

Step 5: Upload all necessary documents to finish the KYC process.

Step 6: After KYC, make the premium payment online.

Step 7: You'll get the policy document in your email.

Claim Process for Care Freedom Insurance Plan

You can claim the Care Freedom Health Insurance plan in two different ways:

Cashless Claim

• Go to a hospital affiliated with Care Health Insurance.
• Give your Care Freedom plan details and other needed info.
• Submit the necessary documents, and the insurance company will send approval for the expenses.
• After reviewing, the insurance company will directly pay the hospital.

Reimbursement Claim

• Pick a nearby hospital in the Care Health Insurance network.
• Pay your medical bills at the hospital.
• Request a reimbursement claim on the insurance company's website.
• Submit the Care Freedom claim form and all plan-related info.
• After the insurance company checks your claim, they'll reimburse you for the medical expenses.