Care Freedom

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 pressure, and BMI. So, now 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, which are:

Care Freedom Plan 1- Where minimum entry age will be 90 days.
Care Freedom Plan 2- Where minimum entry age for the individual is 46 years.

If you are someone who is diagnosed with any critical illness, then this plan is for you. You just need to serve two years waiting period and then apply for the claim. Read more to understand about the plan.

Care Freedom Specifications

To understand Care Freedom Insurance in detail, take a look at the below table:

Entry Age

Min 90 days, Max- Lifelong

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 5 L | 6 L | 7 L | 10 L

Initial 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.

Read more specifications in the brochure.

Choose Your Care Freedom

With wide coverage options available, Care Freedom Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Not Covered

Automatic Restoration

Covered

Daily Hospital Cash

Not Covered

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Covered

Alternative Treatments

AYUSH Treatment

Not Covered

IVF Treatment

Not Covered

Modern Treatment

Not Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Covered

Global Coverage

Not Covered

Wellness Programmes

E-Consultation

Not Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Covered

What Makes this Plan Stand Out?

Covers Pre-existing Diseases
A very special plan by Care Health for your ultimate healthcare requirements. As mentioned earlier, this plan covers critical illnesses such as diabetes, cancer, and heart ailments.
Covers Health Check-ups
Under the Health Check+ feature, you will get an option to upgrade your annual health check-up to either a diabetes health check-up or a cardiac health check-up.
Direct Claim Settlement
Care Health provides a CHI Health Card, that you can use at any of the network hospitals to avail of cashless benefits.
Covers Dialysis
The plan also covers dialysis charges by paying an amount per sitting for upto 24 months.
Free Look Period
Sometimes, we do not want to continue with the particular health insurance plan. We might find a better plan. In this case, the policy provides a free look period of 15 days, within which you can cancel the policy.
Consumable Allowance
A visit to a hospital does not only include medical bills, there are much more than that. You need to pay for other non-medical expenses. Care Freedom plan pays a consumable allowance for upto 7 days per hospitalisation.

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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Care Freedom Premium

To give a better idea of the premiums, we have shown the premium of both the variants with different ages, sum insured, and the number of members insured based on a policy term of 1 year. Take a look:

Care Freedom 1: Age 25-35

Sum Insured	1 Adult	2 Adult
3 Lakhs	5653	7858
5 Lakhs	6548	9149

Care Freedom 2: Age 51-55

Sum Insured	1 Adult	2 Adult
7 Lakhs	18184	29514
10 Lakhs	20424	33032

Exclusions of Care Freedom Policy

Permanent Exclusions

Permanent diseases or health conditions that are 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 the routine eye and ear examination, 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. To know more, read below:

Pre-Existing Diseases after 2 years

Initial Waiting Period after 30 Days

Specific ailment after 2 years

COVID-19 Treatment after 15 days

Explore other Care Health Insurance

To cater to the different medical needs of an individual & their family, Care Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Care Health Insurance plans explore more:

Individual and Family Health Insurance

Arogya Sanjeevani Plan

Arogya Sanjeevani was first introduced by IRDAI (Insurance Regulatory and Development Authority of India) in the year 2020 to provide a standard and a...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Arogya Sanjeevani Plan (Pros)

AYUSH treatment
Affordable premium
Lifelong renewability
Tax benefit

Arogya Sanjeevani Plan (Cons)

Change of gender treatment
Obesity treatment unavailable
Hazardous activity not covered

Arogya Sanjeevani Plan (Other Benefits)

Modern treatments available
50% cumulative bonus
30 days pre-hospitalisation

Arogya Sanjeevani Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- 65 years
SI- 5 L
Waiting period- 30 days

Individual and Family Health Insurance

Care Operation Insurance

Care Operation Insurance Plan is designed specifically to offer you surgical operations coverage. A wide range of sum insured options are available ra...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Operation Insurance (Pros)

Health services
Air Ambulance cover
Chemotherapy cover

Care Operation Insurance (Cons)

Illegal activities
Alcohol abuse
Obesity treatments

Care Operation Insurance (Other Benefits)

Dialysis cover
Second opinion
Organ donor cover

Care Operation Insurance (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Individual and Family Health Insurance

Care Advantage Plan

Care Advantage Health Insurance is an ideal 1 Crore option so that a policyholder’s family is adequately covered. Care Advantage health insuranc...

Unique Features

High sum insured
540+ procedures covered
Organ donation cover

Care Advantage Plan (Pros)

No bonus claim up to 50%
Automatic SI recharge
Organ donor cover
Automatic recharge
High SI

Care Advantage Plan (Cons)

20% co-pay
Obesity treatment unavailable
Hazardous activity not covered

Care Advantage Plan (Other Benefits)

Ambulance cover available
Optional cover available
Co-pay waiver
Room rent modification

Care Advantage Plan (Eligibility Criteria)

Entry age- 91 days
Max entry age- Lifelong
SI- 25 L to 6 Cr
Waiting Period- 30 days

Critical Illness Health Insurance

Cancer Mediclaim Policy

Worried about cancer in your bloodline? Care Cancer Mediclaim has got you covered. Cancer can be defined as distress, hopelessness and loss. There cou...

Unique Features

Wide SI options
Lifelong renewability
Cancer-related global coverage

Cancer Mediclaim Policy (Pros)

Annual health checkup
Chemo and radiotherapy cover
Air ambulance cover
Chemo and radio therapy
Organ donor cover

Cancer Mediclaim Policy (Cons)

Change of gender treatment
Obesity treatment unavailable
HIV/AIDS not covered
Cosmetic surgery unavailable

Cancer Mediclaim Policy (Other Benefits)

International second opinion
Doctor on call
Air ambulance cover
OPD cover

Cancer Mediclaim Policy (Eligibility Criteria)

Entry age- 5 years
Max entry age- 50 years
SI- 10 L to 2 Cr
Waiting Period- 30 days

Accident Health Insurance

Care Secure Personal Accident

Care Secure personal accident policy covers accidental death, permanent and temporary partial/total disability, recovering treatment costs, accidental...

Unique Features

PTD & PPD cover
Cover for child education
100% accidental death payout

Care Secure Personal Accident (Pros)

Accidental death
Accidental total disablement
Permanent total disablement

Care Secure Personal Accident (Cons)

Illegal activities
Alcohol abuse
Obesity treatment

Care Secure Personal Accident (Other Benefits)

Accidental hospitalisation
Tax benefits
Loyalty benefit

Care Secure Personal Accident (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 70 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 50 L

Individual and Family Health Insurance

Care Supreme Plan

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

Unlimited E-consultations
Automatic Restoration
Wellness Benefits

Care Supreme Plan (Pros)

Modern treatments
Renewal discounts
Unlimited e-consultation

Care Supreme Plan (Cons)

Illegal activities
alcohol abuse
obesity treatments

Care Supreme Plan (Other Benefits)

Ambulance cover
Doctor on chat
Maternity care

Care Supreme Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: No age limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Care Freedom

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. Thi...

Unique Features

Additional health checkups
Dialysis cover
No pre-medical check-up

Care Freedom (Pros)

No pre-policy checkup needed
Dialysis cover available
Annual health checkup

Care Freedom (Cons)

Change of gender treatment
Obesity treatment
HIV/AIDS not covered
Cosmetic surgery unavailable

Care Freedom (Other Benefits)

Cashless healthcare
No pre-policy check up
SI recharge
Lifelong renewability

Care Freedom (Eligibility Criteria)

2 plan variants
Consumable allowance
Annual health check-up
Long term discounts

Critical Illness Health Insurance

Care Critical Mediclaim

Critical Mediclaim Care health insurance policy gives you protection against 32 defined critical illnesses based on an indemnity plan. This super-faci...

Unique Features

32 Critical illnesses cover
Dialysis expenses covered
Avail psychiatric counselling

Care Critical Mediclaim (Pros)

Wellness benefits
Organ donor cover
32 CI covered

Care Critical Mediclaim (Cons)

Obesity treatment
alcohol abuse
illegal activities

Care Critical Mediclaim (Other Benefits)

Global coverage
International opinion
Doctor on call

Care Critical Mediclaim (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: 50 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 2 Cr

Senior Citizen Health Insurance

Care Senior

Care Senior Citizen is specially designed to offer coverage for individuals above 60 years of age. It offers flexibility to choose the sum insure...

Unique Features

No pre-policy check-up
Annual rewards available
Reduction in wait period

Care Senior (Pros)

Affordable premiums
Day care treatments
ICU charges

Care Senior (Cons)

Illegal activites
Adventure sports
Alcohol abuse

Care Senior (Other Benefits)

No-claim bonus
Second opinion
Alternative treatments

Care Senior (Eligibility Criteria)

Min entry age: 61 Years
Max entry age: No Limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 10 L

Individual and Family Health Insurance

Care Plan

Single health insurance to cover all family members. Care health insurance plan is a comprehensive medical policy for individuals and families. It is ...

Unique Features

No claim bonus up to 100%
Annual health check-ups
Personal accident cover

Care Plan (Pros)

In-built maternity cover
No upper age limit for enrollment
Coverage for modern treatment
Pre-existing diseases

Care Plan (Cons)

War
Riot
AIDS
Miscarriage
Congenital disease

Care Plan (Other Benefits)

Lifelong renewability
ICU charges
Day care treatment
Ambulance cover
Organ donor cover

Care Plan (Eligibility Criteria)

Min entry age: 91 days
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 6 Cr

Women Health Insurance

Care Joy Plan

An ideal combination of hospitalization and maternity care. Care Joy health insurance is designed specifically for expecting mothers and their ne...

Unique Features

Newborn baby cover
541 Daycare treatments
Modern treatments cover

Care Joy Plan (Pros)

2 Plan variants
New born cover
Maternity cover

Care Joy Plan (Cons)

Illegal activities
Alcohol abuse
Ambulance cover

Care Joy Plan (Other Benefits)

No claim bonus
Renewal
Lifelong renewability

Care Joy Plan (Eligibility Criteria)

Min entry age: 18 Years
Max entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 5 L

Family

Care Enhance Plan

A top-up plan based on policy deductible principle Care Enhance is a super top-up health insurance plan that provides extra health insurance cove...

Unique Features

Flexible deductible
Modern treatments
No pre-medical check-ups

Care Enhance Plan (Pros)

Covers modern treatment
Flexible options of deducton
No pre-policy medical test
Annual health check-up
Floater option

Care Enhance Plan (Cons)

Change of gender treatments
Obesity treatment unavailable
HIV/AID not covered

Care Enhance Plan (Other Benefits)

High sum insured
Organ donor expenses
Expert opinion cover
Cashless treatment

Care Enhance Plan (Eligibility Criteria)

Entry age- 5 years
Max entry age- No age limit
SI- 1 L to 55 L
Waiting period- 30 days

Family

Care Classic

Get coverage based on your residential zone. Care Classic health insurance is a family floater health plan ideal for married couples, joint famil...

Unique Features

IVF treatment cover
Free doctor consultation
Discounted premiums

Care Classic (Pros)

Room rent covered
Day care treatment
Advanced technology methods
ICU charges

Care Classic (Cons)

Global coverage
Air ambulance
Vaccination
Daily hospital cash

Care Classic (Other Benefits)

AYUSH treatment
IVF treatment
Cataract
No claim bonus

Care Classic (Eligibility Criteria)

Min. entry age: 18 Years
Max. entry age: 65 Years
Initial Waiting Period: 30 Days
Sum Insured: Up to 15 L

Individual and Family Health Insurance

Care Plus Plan

Care Plus health insurance is a complete healthcare plan that is loaded with features and protects you and your family. Care Plus offers comprehe...

Unique Features

Comprehensive coverage
No upper age limit
Variants on Sum Insured

Care Plus Plan (Pros)

Ambulance cover
Day care treatments
Domiciliary hospitalization

Care Plus Plan (Cons)

Illegal activities
alcohol abuse
obesity treatment

Care Plus Plan (Other Benefits)

Personal accident cover
Inflation shield
Health services

Care Plus Plan (Eligibility Criteria)

Min entry age: 5 Years
Max entry age: No limit
Initial Waiting Period: 30 Days
Sum Insured: Up to 25 L

Critical Illness Health Insurance

Care Heart Plan

Care Heart is a unique plan launched by Care Health Insurance that provides the flexibility to choose from benefits like Active heart health check-ups...

Unique Features

Coverage for OPD
Home care available
International 2nd opinion

Care Heart Plan (Pros)

Cardiac health check up
Second medical opinion
Automatic SI restoration
Lifelong cover

Care Heart Plan (Cons)

Change of gender treatment
Obesity treatment unavaialable
Hazardous activity not covered
HIV/AIDS not covered

Care Heart Plan (Other Benefits)

OPD care
Home care
International 2nd opinion
Automatic recharge
High SI

Care Heart Plan (Eligibility Criteria)

Entry age- 18 years
Max entry age- No age limit
SI- 3 to 10 L
Waiting period- 30 days

Care Freedom Policy: FAQs

1. Up to what amount will my Dialysis be covered?

Care Freedom will cover Dialysis up to INR 1,000 per sitting.

2. Will I get coverage for Plastic surgery?

No, the plan does not provide coverage for Plastic or cosmetic surgeries.

3. Are there any discounts available on the policy?

Yes, Care Freedom offers discounts on your premium if you opt for a longer policy term.

4. My father is Diabetic and has a high BP. Can he opt for this Care Freedom plan?

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.

Care Freedom

Care Freedom Specifications

Entry Age

Policy Type

Sum Insured

Initial Waiting Period*

Renewability

Policy Term

Choose Your Care Freedom

In-patient & Out-patient coverage

Coverage Terms

Alternative Treatments

Emergency Coverage

Wellness Programmes

Limitations

What Makes this Plan Stand Out?

Covers Pre-existing Diseases

Covers Health Check-ups

Direct Claim Settlement

Covers Dialysis

Free Look Period

Consumable Allowance

Recommended Videos

Care Health Insurance Network Hospital List

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Care Freedom Premium

Exclusions of Care Freedom Policy

Explore other Care Health Insurance

Arogya Sanjeevani Plan (Pros)

Arogya Sanjeevani Plan (Cons)

Arogya Sanjeevani Plan (Other Benefits)

Arogya Sanjeevani Plan (Eligibility Criteria)

Care Operation Insurance (Pros)

Care Operation Insurance (Cons)

Care Operation Insurance (Other Benefits)

Care Operation Insurance (Eligibility Criteria)

Care Advantage Plan (Pros)

Care Advantage Plan (Cons)

Care Advantage Plan (Other Benefits)

Care Advantage Plan (Eligibility Criteria)

Cancer Mediclaim Policy (Pros)

Cancer Mediclaim Policy (Cons)

Cancer Mediclaim Policy (Other Benefits)

Cancer Mediclaim Policy (Eligibility Criteria)

Care Secure Personal Accident (Pros)

Care Secure Personal Accident (Cons)

Care Secure Personal Accident (Other Benefits)

Care Secure Personal Accident (Eligibility Criteria)

Care Supreme Plan (Pros)

Care Supreme Plan (Cons)

Care Supreme Plan (Other Benefits)

Care Supreme Plan (Eligibility Criteria)

Care Freedom (Pros)

Care Freedom (Cons)

Care Freedom (Other Benefits)

Care Freedom (Eligibility Criteria)

Care Critical Mediclaim (Pros)

Care Critical Mediclaim (Cons)

Care Critical Mediclaim (Other Benefits)

Care Critical Mediclaim (Eligibility Criteria)

Care Senior (Pros)

Care Senior (Cons)

Care Senior (Other Benefits)

Care Senior (Eligibility Criteria)

Care Plan (Pros)

Care Plan (Cons)

Care Plan (Other Benefits)

Care Plan (Eligibility Criteria)

Care Joy Plan (Pros)

Care Joy Plan (Cons)

Care Joy Plan (Other Benefits)