Care Freedom vs Women Care Health Insurance Plan
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| PLAN DETAILS |
 Care Freedom |
 Women Care |
| Premium Including GST | ||
| Sum Assured | 3L, 5L, 7L & 10L | 5, 10, 15, 20, 25, 50 Lacs & 1Cr |
| Product Type | Reimbursement Hospitalization and Cashless | Reimbursement Hospitalization and Cashless |
| 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 |
Covers In Utero Fetal Surgery/Repair Ante-Natal Care Assisted Reproduction (ART) Voluntary Sterilization Metabolic Screening Bariatric Surgery Pediatrician Consultations & miscarriage due to Accident; Unlimited Gynecologist Consultation through Star tele health app is available |
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Applicable | Only available for Female Insured Person Upto Rs. 2500/- |
| EMI Option | yes | no |
| Pre-acceptance Medical Check Up (Whether a pre-acceptance check up is required or not to buy the policy) |
Not Applicable | Not Applicable |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Single Private Room | Rs 10000/-per day |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Up to Rs 100000 | Not Available |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
30 Days | 60 Days |
| Post-hospitalization (Expenses after discharge from the hospital) |
60 Days | 90 Days |
| Non-allopathic (Expenses incurred on non-allopathic treatment) |
Not Applicable | Covered upto 10L |
| 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 | All day care treatment Covered upto 10L |
| 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 SI, Add’l 100% SI is available for the Donor in case of Redo Surgery / ICU admission |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Upto Rs 1000 per day | Not Available |
| Pre-existing Coverage (If the insured is having some existing diseases, that would be covered after particular time period) |
After 2 Years | After 2 years |
| Cumulative Bonus (The amount by which your sum assured gets increased, if there is no claim.) |
Not Available | Rs 2L of the Sum Insured upto Rs 10L |
| Restoration Details (Increase of Sum Insured for non-related illness if the original sum insured is exhausted) |
Upto Rs 10L | 100% |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Upto Rs 1000 | Yes |
| 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 | Rs 50000/- |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
No | Rs 250000/- |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Every year irrespective of claim | Available every policy year (irrespective of claim) from Rs. 1000-5000/ per insured person |
| 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 | You pay 0% of claim |
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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.
