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Reviewed by Finzony Finance TeamLast updated:
Care Freedom is a health insurance plan designed for people with pre-existing and lifestyle-related conditions such as diabetes, hypertension and high BMI. The plan does not require a pre-policy medical check-up and provides hospitalisation, day care, dialysis, domiciliary hospitalisation, annual health check-up and recharge benefits, subject to applicable policy terms, limits and exclusions.
Made for people with existing conditions, with no pre-policy medical check-up
Care Freedom is particularly relevant for customers who may find it difficult to obtain conventional health insurance because of existing medical conditions. Its key advantage is coverage designed around existing conditions without a pre-policy medical check-up. However, applicable waiting periods, co-payment, sub-limits and exclusions should be considered before purchase.
Care Health Insurance
Key Insights
Founded
2012
Care Health Insurance was established 14 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
95.2% CSR, calculated as a 3-year average
Care Health Insurance settles 95.2% of all claims it receives, demonstrating strong credibility.
Network Hospitals
11,400+
Care Health Insurance has a network of 11,400+ hospitals, ensuring wide accessibility and convenience for policyholders.
Eligible hospitalisation expenses are covered up to the applicable sum insured, subject to policy terms and applicable sub-limits.
Hospitalisation generally requires a minimum 24-hour stay unless the treatment qualifies as a day care procedure.
Eligible day care procedures are covered subject to the applicable policy terms and limits.
Dialysis and other eligible day care treatments may qualify.
Eligible medical expenses incurred before hospitalisation are covered within the applicable limits.
Coverage is subject to the applicable Care Freedom policy terms.
Eligible medical expenses after discharge are covered within the applicable limits.
The applicable period and limit depend on the policy terms.
Eligible AYUSH hospitalisation expenses are covered when treatment is taken at an eligible facility and the policy conditions are met.
Optional OPD-related support may be available under the applicable product configuration.
Available only when selected and paid for separately.
Air ambulance coverage may be available as an optional benefit depending on the applicable product configuration.
Check the current add-on terms and premium before purchase.
Initial waiting period: 30 days for illnesses other than accidental injuries. Named ailments: 24 months. Pre-existing diseases: 24 months.
Initial Waiting Period
Applies to illnesses contracted during the first 30 days from policy commencement, except accidental injuries.
Pre-existing Diseases
Pre-existing diseases are covered after 24 months of continuous coverage, subject to policy terms.
Named Ailments
Specified named ailments and procedures are subject to a 24-month waiting period.
Diabetes / Hypertension
These existing conditions are specifically targeted by Care Freedom but remain subject to the applicable PED waiting period and claim conditions.
Conditions or treatments that the policy clearly says it will not cover.
Care Freedom is designed for customers with existing conditions, particularly diabetes, hypertension and high BMI. Eligible treatment for pre-existing conditions is covered after the applicable waiting period and subject to co-payment, sub-limits and other policy terms.
Insurer
Care Health Insurance plans and claim process
Care Freedom is designed particularly for people with pre-existing and lifestyle-related conditions such as diabetes, hypertension and high BMI.
Yes. Pre-existing diseases are covered after the applicable 24-month waiting period and subject to policy terms, co-payment, sub-limits and exclusions.
No. Care Freedom does not require a pre-policy medical check-up according to the product information.
Disclaimer: Premium amounts are indicative and may vary based on age, health, and plan selected. Claim settlement ratios are from IRDAI Annual Reports. Finzony is not an insurance broker or agent. Verify all details on the official Care Health Insurance website before purchasing.
Contact Details
1800 102 6655
Headquarters: Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana – 122009
The aforementioned ratios have been averaged over three years (FY24-FY26)
Enhanced health-check benefits may be available under an optional cover.
Availability depends on the selected add-on and applicable terms.
Additional support programs may be available for certain lifestyle conditions.
Availability is subject to product configuration and eligibility.
Additional non-medical expense protection may be available depending on the selected benefit structure.
Check the exact add-on wording before purchase.
Certain product configurations may offer deductible choices to modify premium and claim structure.
The selected deductible can affect the amount payable by the insurer.
The applicable co-payment structure may be modified through an available product option where permitted.
Eligibility and additional premium requirements apply.
Other Existing Conditions
Other declared pre-existing conditions are covered according to the applicable waiting periods, limits, exclusions and policy terms.
The waiting period for pre-existing diseases is 24 months of continuous coverage.
A 30-day initial waiting period applies to illnesses, except accidental injuries.
The Care Freedom card for this plan displays sum insured options from ₹3 lakh to ₹10 lakh.
Yes. Diabetes is specifically mentioned among the conditions for which Care Freedom is designed, subject to the applicable waiting period and policy terms.
Yes. Hypertension or high blood pressure is specifically included among the conditions targeted by Care Freedom, subject to the applicable waiting period and policy terms.
Yes. The product is designed for individuals with high BMI, subject to policy terms and applicable waiting periods.
Yes. Dialysis treatment is covered subject to the applicable per-sitting, duration and policy limits.
Yes. Annual health check-up is available for eligible adult insured members subject to the applicable policy terms.
Yes. Co-payment may apply depending on the applicable Care Freedom policy structure and the insured member conditions.
Yes. The plan provides recharge of the sum insured subject to the applicable policy conditions.
Yes. The product supports individual and family floater structures subject to the applicable plan and age conditions.
The applicable minimum adult entry age is 18 years. Child entry is subject to the applicable minimum age under the selected plan structure.
The product provides recharge of the sum insured subject to the applicable policy terms and conditions.
Claims can be made through cashless treatment at network hospitals or through reimbursement. Planned and emergency hospitalisation have separate notification requirements.