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Care Freedom: Health Insurance for Pre-existing Diseases

Lower your burden of treating your pre-existing illnesses, including diabetes, high blood pressure and BMI, with Care Freedom’s unique health and financial benefits.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

Affordable Health Plan Covering Diabetes & Hypertension

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Save Upto 10% on Health Insurance Premium##

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What is Care Freedom?

Care Health Insurance presents ‘Care Freedom’ as a dedicated health insurance policy for people dealing with pre-existing diseases like diabetes, hypertension, and high Body Mass Index (BMI). With wide-ranging sum insured options of up to 10 lakhs, the Care Freedom policy offers adequate hospitalisation and treatment expenses against the most common lifestyle diseases haunting people of all ages. While offering lifelong renewability, the policy is available on an individual and family floater basis.

As apparent, patients with high blood sugar and BP are at a higher risk of developing chronic ailments like heart and kidney diseases, eye problems, and blood vessel damage. With Care Freedom, we aim to lower the financial and medical stress of these people by reducing the waiting period for pre-existing disease coverage to 2 years. It ensures that people dealing with prolonged conditions can access quality medical treatment without much delay. Also, the policy helps old-age patients to customise and enhance their Care Freedom health plans with additional benefits like home care, health check+, and covid care with OPD, among others. Read on to learn more about the coverage benefits and eligibility criteria under the Care Freedom health plan.

Plan Highlights of Care Freedom Health Insurance Policy

While lowering the expensive hospitalisation costs of treating pre-existing diseases, the Care Freedom health cover comes with the following unique and valuable features:

  • Comes with a lifelong renewability option to provide coverage benefits for a lifetime
  • Minimizes the waiting period for treatment of pre-existing illnesses at 2 years
  • Available on an individual and family floater basis with the provision to add a newborn of 90 days
  • Offers consumable allowance with a specified amount paid per day
  • Includes domiciliary hospitalisation expenses up to 10% of the sum insured
  • Helps insured members keep a track of their health with free annual health check-ups

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

Features of Care Freedom

See all Sum Insured Options east

In-Patient Hospitalization
info Coverage for Expenses incurred for treatment that requires you to stay hospitalized for more than 24 hours. It includes expenses on – room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anaesthesia, blood, oxygen, operation theatre charges, etc.
Upto SI Upto SI Upto SI
Day Care Treatment
info Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more.- we cover more than 170 day care treatments
Upto SI Upto SI Upto SI
Annual Health Check-up
info To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
check check check
Ambulance Cover
info We will arrange ambulance transportation of the Insured person, to the nearest hospital; and/or transportation from one hospital to another hospital for the purpose of providing better medical aid to the Insured person, in case of certified medical emergency .
Upto ₹1,000/ Hospitalization Upto ₹1,000/ Hospitalization Upto ₹1,000/ Hospitalization
Companion Benefit
info Covers expenses incurred on travel of close relative if hospitalization exceeds 10 days
₹10,000 ₹15,000 ₹15,000
Consumable Allowance
info Expense on items needed for one-time use, mainly due to sterility and infection concerns. These include gloves, masks, sanitizers, cotton, etc. We cover Max. 7 days per Hospitalization covered after 3 days
₹750 per day ₹1000 per day ₹1000 per day
Domiciliary Hospitalization
info 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
info Covers kidney failure requiring dialysis on a regular basis 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
info 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.
check check check
Pre/Post-hospitalization Upto 7.5% payable
Hospitalization expenses valid till 30 days beyond the policy end date
Upto 10% payable
Hospitalization expenses valid till 30 days beyond the policy end date
Upto 10% payable
Hospitalization expenses valid till 30 days beyond the policy end date
Tenure 1 Yr/2 Yrs/3 Yrs 1 Yr/2 Yrs/3 Yrs 1 Yr/2 Yrs/3 Yrs
Room Rent
info We reimburse expenses occurred on the per-day room or bed charges the hospital charges during your treatment
Twin Sharing Room subject to
a maximum of 1% of SI per day
Twin Sharing Room Single Private Room
ICU Charges
info Coverage for amount charged by a hospital towards ICU expenses which shall include the expenses for ICU beds, general medical support services provided to any ICU patient including monitoring devices, critical care nursing and visit charges.
Upto 2% of SI per day No limit No limit
Treatment of Cataract
info Cover the cost for cataract surgery
Upto ₹20,000 per eye Upto ₹30,000 per eye Upto ₹30,000 per eye
Treatment of Total Knee Replacement
info Covers 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
info Covers expenses incured on
  • 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

Download the Brochure for Care Freedom Complete Plan Details

Download Care Freedom complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons To Cover Your Specific Needs


Home Care

Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on recommendation of doctor
See Details

Health Check+

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

Care Shield

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

Care OPD

Get covered for bills on OPD consultation, medicines and diagnostics for consulting any of the 14 specified specialists.
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

    • 20% Co-payment applicable till age 70 years.

    • 30% Co-payment applicable after age 71 years.

    • Policy wherein the eldest member's age is less than 71 years at entry can pay an extra premium and reduce co-payment to 20% after attaining 71 years and above age.

  • 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

  • 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 spectacles/contact lenses, dental treatment expensess that do not require hospitalization

  • Medical expenses incurred for treatment of AIDS

  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences

  • Congenital disease

  • Tests and treatment relating to infertility.



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



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


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Voice of our Customer

V. Muthusrinivasan February 23, 2024
Care freedom

Thanks to Care classic Insurance

I am discharged from New medical centre after recovering from viral fever. Within two hours care insurance as cleared all my hospital bill amount .Thanks for their fast service .
Pawan Thakur December 01, 2023
Care freedom

Bahot badhiya service

Aapki service aur Team behaviour bahut achhi hai. Aapki policy kharid kar mujhe thoda bhi afsos nhi hai.
Vinod Kumar December 01, 2023
Care freedom

Good plan

Thanks to the Health Insurance. Care Health ke sath achha anubhaw raha. .
Prakash Kumar December 01, 2023
Care freedom


Mujhe thodi bhi umeed nhi thi, ki hospital kharche ka paisa mujhe etni jaldi aur aasani se mil jayega. Thanku so much.
Munish Bhandari December 01, 2023
Care freedom

Quick Insurance

Claim process is very fast everything going on smooth since i have taken the policy from them. Customer service support is fine. I hope care health will cooperate throughout my health journey like that.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

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) 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

Best Health Insurance
Company of the Year*

Total Claims Paid

38 Lakh + Claims Settled**

Cashless Claim


**Number of claims settled as of 30th June 2023     *India Insurance Summit & Awards 2023

FAQs on Diabetes Insurance

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

Care Freedom is a health cover designed particularly for people suffering from lifestyle diseases such as diabetes, hypertension and high BMI. It covers various expenses related to these diseases after the waiting period. The coverage includes in-patient care, daycare treatment, pre-and-post hospitalisation expenses, consumable allowance, ambulance cover, domiciliary hospitalisation, and dialysis procedure.

Q. What are the pre-existing conditions under the Care Freedom health insurance policy?

Under Care Freedom, diabetes, high blood pressure, and high BMI (Body Mass Index) are considered pre-existing conditions. We provide medical and non-medical coverage for these conditions after the specified waiting period, subject to policy terms.

Q. Do I need to bear co-payment under the Care Freedom policy?

Yes, as a standard, people with pre-existing ailments need to bear 20 or 30% of the final claim amount payable. We shall pay the remaining amount up to the sum insured. However, you may opt for a co-payment waiver benefit by paying a slightly higher premium according to policy terms and conditions.

Q. If I have pre-existing conditions. Can I buy Care Freedom?

Yes, you can buy a health plan even if you have a pre-existing condition. Depending on the underwriter's decreation, we will pre-define the waiting period you need to complete before raising a claim for your treatment expenses.

Q.Can a High BP, diabetic, or hypertension patient get Care Freedom in India?

A high BP, diabetic, or hypertension patient can get health insurance. Care Freedom is specially designed for people with pre-existing diseases such as hypertension & diabetes without a pre-policy medical check-up to afford the best treatment and stay healthy.

Q.Can I take cashless treatment under the diabetes insurance policy?

Yes, CHIL offers the best health insurance for diabetes in India, with a vast network of over 22900+ cashless healthcare providers.

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

^^Number of Cashless Healthcare Providers as of 30th June 2023
**Number of Claims Settled as of 31st May 2023

##10% discount is applicable for a 3-year policy


Download the Brochure for Care Freedom Complete Plan Details

Download Care Freedom complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Secure Your Finances Now!

Get the best financial security with Care Health Insurance!


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