Health Insurance for Diabetes, High BP & High BMI

About Care Freedom

The coexistence of this triumvirate (Obesity, High BP, and Diabetes) increases the risk of cardiovascular and renal complications, kidney failure, brain haemorrhage, and even cancer. Thus, it is crucial for patients to start their timely treatment. But, the increasing medical inflation surges the cost of hospitalization, treatments, and medication. It is getting hard for people to afford such hefty hospital bills that include surgeon fees, dialysis, medicines, and therapies. Moreover, people are now switching to private hospitals to avail of quality health care. Here, Care Freedom is helpful for them to win the battle against diabetes, hypertension and high BMI. It is a comprehensive health insurance plan that covers all your medical bills for your treatment related to any of these diseases. It gives you maximum coverage at an affordable premium and saves you from unnecessary medical debt. So, be positive, be insured, and do not let these lifestyle diseases stand in the way of enjoying your life. Life is not about waiting for the storm to pass. It's about learning to dance in the rain. We cannot predict the uncertainties of our lives, but the only thing we can do is to stand strong with Care Freedom.

Features of Care Freedom

It is a complete health insurance plan for patients suffering from High BP, diabetes, or high BMI. With it, you do not need to worry about your treatment costs. We will be taking care of them while you take care of your health.

Key Features of Health insurance for Diabetes, Hypertension and High BMI Patients:

• Cashless treatment
• No pre-policy medical check-up
• Annual health check-up for all insured members
• Automatic recharge of sum insured
• Life-long renewability
• Tax benefit on premium paid
• Waiting period of 2 years in case of Pre-existing diseases
• Free look period of 15 days
• Portability

Benefits of Care Freedom

Diabetes, Hypertension and High BMI are the silent killers that not only affect your pancreas but also affect the other parts of the body, such as eyes, kidneys, liver, brain, and heart. Thus, the timely purchase of the right health insurance plan helps you to safeguard your health and money. Moreover, you can read the below benefits of our plan that will help you to make your decision early:

• Covers in-patient care expenses along with Day care treatments
• Consumable Allowance per day up to 7 consecutive days of hospitalization
• Pre and post hospitalization medical expenses
• Ambulance cover in case of emergency
• Domiciliary hospitalization (if in case of hospitalization is not possible)
• Recharge of sum insured if sum insured gets exhausted due claims
• Cover for the pre-existing disease after 2 years waiting period
• Dialysis cover
• Annual Health Check-up

Check: Health Insurance for Senior Citizens

What does Care Freedom Cover?

Care Freedom- a comprehensive health insurance plan for diabetes, hypertension, and high BP gives you the liberty to lead a life of your choice and get the best possible treatment for you or your loved ones. Read below what does all it covered:

Cashless Treatment in Network Hospitals:

Under this health insurance plan, during an emergency, you can admit to any of the network hospitals provided by us nearby to your residence without thinking of arranging cash for your treatment.

In-Patient Treatment:

If you are hospitalized in a network hospital for more than 24 hours, we cover your hospitalization expenses, including room charges, nursing expenses, ICU, surgeon’s fee, blood, oxygen, and OT (operation theatre changers).

Day Care Treatment:

Your medical expenses will be covered under the diabetic health insurance plan if you undergo for day care treatment in the hospital. We cover more than 170-day care treatments

Pre and Post hospitalization:

We cover your pre and post hospitalization expenses. This means that medical expenses that you incurred just before you hospitalized and after you get discharge from the hospital. It is valid till 30 days beyond the policy end date.

Ambulance cover

You will also get the reimbursement for the expenses that you incur on ambulance service in case of a medical emergency.

Domiciliary Hospitalization:

If you are not in a condition to shift to the hospital for treatment, or there is no vacant bed in the hospital, then you can avail domiciliary hospitalization. You will get the reimbursement if domiciliary hospitalization is for more than 3 consecutive days.

Consumable Allowance:

We will give you a lump sum amount per day called as consumable allowance. So that you can meet your day-to-day expenses that include consumables, commutation, and attendant’s cost.

Recharge of Sum Insured:

You will get an automatic recharge of Sum Insured if your claim amount gets exhausted. You can use this amount for the treatment of any other insured family member or yourself but the treatment should be of different ailments.

Annual Health Check-Ups:

You will get annual health check-ups for all the insured members covered in the same policy. Complete blood sugar, urine routine, blood groups, kidney function, ECG check-ups are all included in the cover. * Refer to t & c for the complete list

Tax Benefit

According to section 80 D under Income Tax Act 1961, the premiums paid for health insurance for self, dependent parents, children, and spouses are exempted from tax. Thus, you can save a good amount of money and enjoy the tax benefit.

Eligibility for Care Freedom

Lifestyle diseases such as diabetes, hypertension, and high BP are affecting millions of people in India. Timely medical care and proper monitoring is the only way one can fight the disease. Therefore, “Care Freedom” is our health insurance product that funds the treatment of such diseases so that you do not need to worry when it comes to meeting the medical expenses for your treatment. Check the eligibility for Care Freedom:

Entry Age Minimum - Care Freedom Pan – 1

• Adult- 18 years
• Child- 90 days

Entry Age Minimum - Care Freedom Pan – 2

• Individual- 46 years
• Floater- Eldest Insured Person: 46 years
• Other Adult: 18 years
• Child: 90 days

Entry Age- Maximum

• Adult- Lifelong
• Child: 24 years

Exit Age- Lifelong