Care Freedom vs Reassure 2.0 Platinum Plus Health Insurance Plan
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| PLAN DETAILS |
 Care Freedom |
 Reassure 2.0 Platinum Plus |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7L & 10L | 5, 10, 15, 20, 25, 50 Lacs & 1Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Individual & Family Floater |
| Key Features (Key features of the plan) |
Companion Benefit that gives a lump-sum amount (if hospitalization exceeds 10 days) Automatic Recharge upto 100% of Sum Insured 19000+ Network hospital covered Free Annual Health Check-up for all insured members |
Unlimited Automatic Restoration,Unlimited E-Consultations Wellness Benefit: Earn up to 30% Discount on Renewal,Guaranteed Carry Forward of the unused Sum Insured Reassure Forever Premium will not increase till the age you don't claim |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Applicable | Optional (Through Acute Care rider) |
| EMI Option | yes | yes |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Applicable | Not Required |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private Room | Any Room (Covered up to Rs 10L) |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs 100000 | Covered up to Rs 10 L |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 180 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Not Applicable | Covered up to Rs 10 L |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Upto Rs 10L & 171 Day Care treatment covered | Covered up to Rs 10 L(All Day Care Procedures) |
| Hospital_network (Number of Hospital Network in city) |
||
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
no | Covered up to Rs 10 L |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Upto Rs 1000 per day | INR 800 per day, Maximum INR 4,800, Note: On Shared Accommodation |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 2 Years | Covers after 3 years |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Not Available | (Guaranteed Booster +) 5X: Unutilised Base Sum Insured carries forward to the next policy year, maximum up to 5 times of Base Sum Insured. |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 10L | Available for unlimited times upto Rs 10L for unrelated or same illness |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs 1000 | Covered upto Rs 10 L |
| Worldwide Emergency (The emergency medical assistance and cover against medical expenses while the customer is abroad) |
Not Available | Not Available |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not Covered | Not Available |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | Not Available |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Every year irrespective of claim | Annual health checkup (From Day 1 on Cashless basis) |
| Non-allopathic Details (Expenses incurred on non-allopathic treatment) |
no | yes |
| Vaccination (Cover againts any medical expenses occurred in Vaccinations for certain diseases) |
Not Applicable | Yes |
| Animal Bite (Cover againts any medical expenses occurred due to any Animal Bite) |
Not Applicable | Not Available |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Applicable | Not Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
You pay 20% of claim | No Co-Pay |
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Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
