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Super Top Up Health Insurance Plan
Health Insurance Plan with 1 Crore Cover
Arogya Sanjeevani Policy
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Critical Illness Insurance
Financial coverage against defined critical illness
Health Insurance Covering 16 Major Health Aliments
Coverage for wide array of defined surgeries
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Plans including covid-19 hospitalisation coverage
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Health Plan for ageing parents
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Cover an individual against financial risks
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Medical coverages for your overseas travel related expenses
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Cover medical expenses, baggage loss & more for students studying abroad
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Care Freedom Quote
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total coverage(in lacs)
Care Freedom ( --- )
(Premium includes 18% GST)
EMI starting from ₹ 500 / month
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Up to Rs.1000 per hospitaliztion payable if advised by treating medical
Lumpsum amount is paid if insured member is admitted to a hospital (once the
hospitalisation exceeds 10 consecutive days).
RECHARGE OF SUM INSURED
Entire S.I. is reinstated once in a policy year whenever you run out of/exhaust
ANNUAL HEALTH CHECK-UP
Annual Health Check-Up for all insured members are covered in the policy.
Covers expenses incurred towards hiring a qualified nurse for providing care
to insured person on recommendation of your doctor.
HEALTH CHECK PLUS
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).
Offers on Policy Tenure
Extend you policy period and get discount on your total premium.
2 Years7.5% off
3 Years10% off
You Save₹XX,XXX / Yr
Your Total Quote - ₹X,XXX /yr
No Claim Bonus Super
Up to 150% increase in sum insured
We have prepared a exclusive panel of EVERDAY care hospital/Diagnostic LABs panel where our customers are eligible for cashless coverage of Doctor Consultation & Diagnostic Test. You are covered upto 1% of your Sum Insure. 20% co-payment is applicable on all claims under this benefit.
International Second Opinion
It offers an option to consult doctors and take a second opinion for reassurance of recommended treatment
Unlimited Automatic Recharge
Your sum insured is reinstated unlimited number of times
Choose a bank
Total cost doesn't include taxes or processing changes, if any Banks maycharge
pre-closure & interest charges if you cancel EMI order.
Click here to read EMI Terms & Conditions
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Pre & Post hospitalizationExpenses
Day care treatments
No sub-limit on Surgeon's fees, cost of blood, oxygen etc.
Recharge of Sum Insured
Care Freedom complete plan details
Add-ons to cover your specific needs
Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on
recommendation of doctor
Upgrade your annual health checkup to diabetes health checkup or cardiac health check-up.
An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
Health Check +
The policy has 3 benefits :
Care Freedom Plan Details
Entry Age - Minimum
Care Freedom Plan - 3 lacs and 5 lacs - Adult: 18 years and Child 91 days (floater)
Care Freedom Plan - 7 lacs and 10 lacs – Eldest Insured Person: 46 years and Child 91 days (floater) & Other Adult: 18 years
Entry Age - Maximum Adult Lifelong and Child 24 years
Cover Type Floater / Individual
Life long Renewability
For customer age upto 70 years 20% of the claim amount has to be borne by you
For entry age > 70 years, 30% of the claim amount has to be borne by you
Grace Period 30 days from the date of expiry
Initial Waiting Period 30 days from any illness
Named Ailment Waiting Period - 24 months of continued coverage
Pre-existing Disease Waiting Period - 24 months of continued coverage
Any pre-existing ailment/injury not covered upto 24 continuous months from the date of policy issuance
Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
Any OPD Treatment
Expenses attributable to self-infected injury (resulting from suicide, attempted suicide)
Expenses arising out of attributable alcohol/tobacco or drug use/misuse/abuse
Cost of spectacless/contact lenses, dental treatment expensess that do not require hospitalisstion
Medical expenses incurred for treatment of AIDS
Tretment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequencess
Intimate within 24 hours of your hospitalization
Intimate us 48 hours prior to your hospitalization
Reimbursement Insurance Claim Form Submission
Request for pre-authorization
Claim from submission
Complete the pre-authorization form availableat the hospitals insurance/TPA Desk and send us through fax.
Approval letter sent by the claim management team
Hospital/Insured to response to the query raised by the claim management team
You may initiate the treatment and file for reimbursement claim
Submission of claim form along with required documents, as per the policy terms & conditions
Insured to response to the query raised by the claim management team
We will communicate the reason in case of rejection
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Voice of our Customer
I am thankful to Care Health Insurance for their prompt response while working on my claim. Highly Appreciate.
Hassle free buying process without pre-policy medical check-up. Thanks Care Health Insurance.
Recommends buying care freedom policy for people suffering from pre-existing diabetes, it offers wide range of coverage and benefits. Purchased it for my wife and happy that we selected Care Health Insurance.
Good service provided by claim processing team durning health claim settlement. I'm so impressed .
I am very happy with Care Health Insurance because of prompt customer support. Always recommend to family & friends.
My appreciation for your prompt service
At the outset I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received your intimation regarding the acceptance of my claim and had a minor query as to what is the claim amount settled by you. Thank you.
We will continue to avail of your scheme.
Thank you for settling the claim amount. Kindly inform me when the amount is remitted to the credit of my bank account with the Bank of Baroda. We will continue to avail of your scheme when we travel abroad.
Everything went very smooth
I would like to pass on my appreciation for Virender who guided me during the difficult time. He helped me at every stage and didn’t keep me waiting. Due to his efforts, I was relaxed and everything went very smooth while my wife was recovering from typhoid. Thanks Virender you are a star!
Really helpful explaining the process in advance
I just wanted to thank you for the exceptional response from you on the recent cashless reimbursement request related to my mother’s operation. You were really helpful explaining the process in advance before the treatment and also during the final settlement.
Finalising my claim in a short period
I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies with holding payment or rejecting it outright on very flimsy grounds as they are averse to parting with their money. It was not the case with Care health insurance. Thank you, may your tribe grow.
Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) (formerly known as Religare Health Insurance Company Limited) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.
Awarded as Claims Leader of the year
23 lakh + Claims settled*
Cashless claim processing in approx. 2 hours
An inactive lifestyle, unhealthy eating habits, work pressure, and stress are giving rise to diabetes, hypertension & high BMI. India has become a global diabetes capital and shares around 49% of the world’s diabetes population which is expected to be double by 2025. One out of three Indian adults is suffering from hypertension and a rapid upsurge in obesity amongst youth has also been recorded. This exponential increase in lifestyle diseases is taking a toll on the health of many in the country. Importantly, diabetes and hypertension are directly associated with obesity. So, if not treated well these diseases together constitute a significant burden in terms of morbidity and further, escalating the health care costs. Therefore, we have designed “Care Freedom”- health insurance for diabetes, hypertension & high BMI patients. It is the unique health insurance plan that lessens the financial burden of the patients and their families.
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.
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:
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:
Check: Health Insurance for Senior Citizens
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:
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.
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).
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
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.
You will also get the reimbursement for the expenses that you incur on ambulance service in case of a medical emergency.
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.
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.
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.
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
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.
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
Entry Age Minimum - Care Freedom Pan – 2
Entry Age- Maximum
Exit Age- Lifelong
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Most Frequently Asked Questions
A Pre-existing Disease is any condition, ailment, injury, or disease for which any signs or symptoms, leading to an illness or medical condition is presented at the time policy is issued.
In health insurance, a pre-existing condition is a medical condition –illness, injury or disease – that a person was suffering from before the time of buying a health insurance policy. Diabetes, High B.P or High BMI is considered as one of the pre-existing conditions for which CHI provides coverage, under their health insurance policies, after the specified waiting period.
One can buy the best health insurance for pre-existing diseases similar to normal health insurance. However, the patient has to declare the pre-existing latest condition, and the policy will be issued based on the tele underwriting.
Yes, you are eligible to buy a health plan even if you have a pre-existing condition. Depending on the terms and conditions of the policy, there is a specified waiting period that you have to complete before you can raise a claim for your treatment expenses.
Care Freedom is a health cover that has been designed particularly for people suffering from lifestyle diseases such as diabetes, hypertension and high BMI. It provides complete cover for various expenses related to these diseases after the waiting period. The coverage includes in-patient care, day-care treatment, pre-and-post hospitalization expenses, consumable allowance, ambulance cover, domiciliary hospitalization, and also dialysis procedure. Having a health cover will minimize the burden on one’s pocket and help in accessing quality healthcare without worrying about the medical bills.
The procedure for getting a claim for Care Freedom is very easy and simple. For reimbursement claim, the insured has to submit a duly-signed claim form along with essential documents like hospital bills. In case of a cashless claim, we will directly pay your bills to the hospital. Also, the policyholder should intimate the insurer as per a specified time for emergency and planned hospitalization.
The expenses covered under Care Freedom Health Insurance are:
Care freedom health insurance Plan for diabetes, high BP and high BMI offers various plans with coverage ranges from Rs.3 Lakh to Rs.10 Lakh.
Yes, if you have diabetes as a pre-existing condition, you are eligible to purchase Care Freedom.
If you have been diagnosed with diabetes, High BP, or if you are obese then buying a health insurance policy will be helpful. It is essential as the costs of health care services in India are getting expensive, especially in private healthcare centres. Having a health insurance policy will safeguard your savings and help you access the best treatment without any hassle.
Diabetes is considered as a pre-existing condition if the disease existed or was diagnosed prior to buying the health insurance policy.
Yes, a high BP, diabetic or hypertension patient can get health insurance. CHI Care Freedom is specially designed for people with a pre-existing disease such as hypertension & diabetes without a pre-policy medical check-up. So, that they can afford the best treatment and stay healthy.
You can easily buy the best health insurance for high BP online. Just go to our website, click "Care Freedom," and enter your details on the given form. You get the quote with a premium amount. You can make the payment online through our secure payment gateway and get the policy document online
Yes, the health insurance policy covers your pre and post hospitalization expenses for high BP. It is valid till 30 days beyond the policy end date.
Yes, you will get the ambulance cover as well under your health insurance policy for hypertension.
Yes, you can avail tax benefit under section 80 D of the Income Tax Act 1961. According to the section, the insurance premium paid for self, spouse, dependent parents, or children, is liable for tax exemption.
Care Freedom Plan is one of the comprehensive health insurance for diabetics. The Pre-exisiting waiting period is 24 months.
No, a pre-policy medical check-up is not essential to get the health insurance for Diabetics in India. However underwriter may ask to go for pre-medical policy checkup in some cases
Yes, with Care Freedom- the best health insurance for diabetics in India, you can avail of the cashless treatment facility under network hospitals
Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
*IBAI Claims Handbook for FY 19-20
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