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Health Insurance for Diabetes, High BP & High BMI

  • Religare Health Insurance is now Care Health Insurance
  • Annual Health Check-up
  • No Pre-Policy Medical Check-up
  • Life-long renewability
  • Tax Benefit u/s 80 D







Get quote in 1 minute




Is any member diabetic ?

Do they take Insulin?

7.5% OFF

10% OFF


All Members

- +
- +

Care Freedom ( --- )

rupee ----

(Premium includes 18% GST)

Base Cover


Additional Covers




Up to Rs.1000 per hospitaliztion payable if advised by treating medical practioner.


Lumpsum amount is paid if insured member is admitted to a hospital (once the hospitalisation exceeds 10 consecutive days).


Entire S.I. is reinstated once in a policy year whenever you run out of/exhaust your S.I.


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.

Copyright. Care Health Insurance (formerly known as Religare Health Insurance Company Limited).

Premium Benefits across 3 Plans

Cover Highlights

Annual Health Check-Up

Annual health

Pre & Post Hospitalization

Pre & Post hospitalization

Day Care Treatment

Day care treatments

Ambulance Cover


Dialysis Cover

Dialysis cover

Domiciliary Hospitalization


No Sub-Limit

No sub-limit on
Surgeon's fees,
cost of blood, oxygen etc.

Recharge of Sum Insured

Recharge of
Sum Insured

Benefits of Care Freedom arrow close
PLAN DETAILS 3 Lacs 5 Lacs 7 Lacs / 10 Lacs
In-Patient Hospitalization
If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours, we cover for your treatment expenses - right from room charges, nursing expenses and intensive care unit charges to surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.
Upto SI Upto SI Upto SI
Day Care Treatment
We also pay for your medical expenses if you undergo any of the specified day care treatments at a hospital or a Day Care Centre - we cover more than 170 day care treatments
Upto SI Upto SI Upto SI
Annual Health Check-up
Under this plan, you get Annual health check-up for all insured members, covered as adults, regardless of claims history.
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Ambulance Cover
In an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto ₹1,000/ Hospitalization Upto ₹1,000/ Hospitalization Upto ₹1,000/ Hospitalization
Companion Benefit
If Hospitalization exceeds 10 days
₹10,000 ₹15,000 ₹15,000
Consumable Allowance
Max. 7 days per Hospitalization covered after 3 days
₹750 per day ₹1000 per day ₹1000 per day
Domiciliary Hospitalization
We will indemnify for the medical expenses incurred by you during your treatment at home.
Upto 10% of Sum Insured
covered after 3 days
Upto 10% of Sum Insured
covered after 3 days
Upto 10% of Sum Insured
covered after 3 days
Dialysis Cover
upto 24 consecutive months
Upto 1,000 per sitting limited Upto 1,000 per sitting limited Upto 1,000 per sitting limited
Recharge of Sum Insured
A refill is always welcome! Get automatic recharge of Sum Insured if claim amount exhausts your coverage limit, at no extra cost. The recharged Sum Insured can be used by other insured members under the same policy for any future claim. The claimant can also use the recharged Sum Insured for any future claim, not related to the ailment already claimed during the same year.
tick-mark tick-mark tick-mark
We cover the relevant medical expenses such as doctor consultation, Diagnostic tests, medications incurred up to 30 days before your hospitalization/60 days post your hospitalization.
30/60 days Upto 7.5% payable
Hospitalization expenses
30/60 days Upto 10% payable
Hospitalization expenses
30/60 days Upto 10% payable
Hospitalization expenses
Tenure 1 Yr/2 Yrs/3 Yrs 1 Yr/2 Yrs/3 Yrs 1 Yr/2 Yrs/3 Yrs
Room Rent
We reimburse expenses occurred while you're staying in a hospital.
Twin Sharing Room subject to
a maximum of 1% of SI per day
Twin Sharing Room Single Private Room
ICU Charges
We take care of ICU charges incurred during your hospitalization.
Upto 2% of SI per day No limit No limit
Treatment of Cataract Upto ₹20,000 per eye Upto ₹30,000 per eye Upto ₹30,000 per eye
Treatment of Total Knee Replacement Upto ₹80,000 per knee Upto ₹1,00,000 per knee Upto ₹1,20,000 per knee
Treatment for Ailment like Surgery for all type of Hernia, BPH etc
  • Surgery for treatment of all types of Hernia
  • Hysterectomy
  • Surgeries for Benign Prostate Hypertrophy (BPH)
  • Surgical treatment of stones of renal system
Upto ₹ 50,000 Upto ₹65,000 Upto ₹ 80,000
Treatment for Ailment like Surgery for Cancer, bone breakage etc
  • Treatment of Cerebrovascular and Cardiovascular disorders
  • Treatment/Surgeries for Cancer
  • Treatment of other renal complications and disorders
  • Treatment for breakage of bones
Upto ₹2,00,000 Upto ₹2,50,000 Upto ₹ 3,00,000

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

See Details

Upgrade your annual health checkup to diabetes health checkup or cardiac health check-up.

See Details

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.

See Details

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

  • Co-payment

    • 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

Download Terms & Conditions
  • 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

  • Congenital disease

  • Tests and treatment relating to infertility.


Cashless Insurance


Intimate within 24 hours of your hospitalization

Planned 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 available
at 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



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection

Discount on Health Insurance Premium Discount on Health Insurance Premium


Look for hospitals around you


Detailed Hospital List
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Voice of our Customer

Radhika Seth

review I am thankful to Care Health Insurance for their prompt response while working on my claim. Highly Appreciate.

Nadeem Khan

review Hassle free buying process without pre-policy medical check-up. Thanks Care Health Insurance.

Amit Singh

review 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.

Raja Puri

review Good service provided by claim processing team durning health claim settlement. I'm so impressed .

Mamta Sethi

review I am very happy with Care Health Insurance because of prompt customer support. Always recommend to family & friends.
Ankita Sharma

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. View more

Ankita Sharma

Health Insurance

Indubala Nambiar

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. View more

Indubala Nambiar

Health Insurance

Vikas Singh

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! View more

Vikas Singh

Health Insurance

Sahil Khattar

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. View more

Sahil Khattar

Health Insurance

Aditya Sharma

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. View more

Aditya Sharma

Health Insurance

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

Health Insurance for Diabetics, High BP and High BMI

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.

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

FAQs on Care Freedom


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Most Frequently Asked Questions

Popular Questions

Q. What is Pre Existing Disease?

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.

Q. What is considered a pre-existing condition on health insurance policy?

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.

Q. How to get Health insurance for Pre-existing Disease?

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.

Q. If I have pre-existing conditions. Can I buy health insurance?

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.

Q. What is Care freedom and how does it help Diabetic, Hypertension and High BMI patients?

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.

Q. What is the claim procedure for Care freedom?

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.

Q. What are the expenses covered under Care Freedom health insurance?

The expenses covered under Care Freedom Health Insurance are:

  • Inpatient Hospitalization
  • Pre and Post Hospitalisation
  • Ambulance cost
  • Dialysis
  • Domiciliary Hospitalization
  • Consumable Expenses

Q. What is the amount of coverage provided under health insurance?

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.

Q. Can I get health insurance if I have diabetes?

Yes, if you have diabetes as a pre-existing condition, you are eligible to purchase Care Freedom.

Q. Why should I buy a health insurance policy?

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.

Q. Is Diabetes a pre-existing condition?

Diabetes is considered as a pre-existing condition if the disease existed or was diagnosed prior to buying the health insurance policy.

Q. Can a High BP, diabetic, or hypertension patient can get a health insurance policy in India?

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.

Q. How can I buy health insurance for high BP?

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

Q. Is the health insurance policy cover my pre and post hospitalization expenses for can I buy health insurance for high BP?

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.

Q. Do I get an ambulance cover as well under a health insurance policy for hypertension?

Yes, you will get the ambulance cover as well under your health insurance policy for hypertension.

Q. Is there any tax benefit for buying Care Freedom?

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.

Q. What is the waiting period in the Care Freedom policy for Diabetics?

Care Freedom Plan is one of the comprehensive health insurance for diabetics. The Pre-exisiting waiting period is 24 months.

Q. Is pre health check-up essential to get the best health insurance for Diabetics in India?

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

Q. Can I take cashless treatment under the Diabetes insurance plan?

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

Care Freedom complete plan details

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