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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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Affordable Health Plan Covering Diabetes & Hypertension

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    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 arrow close

    KEY FEATURES 3L 5L 7L / 10L
    In-Patient Hospitalization
    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
    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
    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
    tick-mark tick-mark tick-mark
    Ambulance Cover
    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
    Covers expenses incurred on travel of close relative if hospitalization exceeds 10 days
    ₹10,000 ₹15,000 ₹15,000
    Consumable Allowance
    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
    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
    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
    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
    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
    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
    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
    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
    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
    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

    Covid Care With OPD

    Covid Care With OPD

    Get Covid Care with up to 1% of SI as OPD benefit after Govt. authorized confirmative diagnosis.

    See Details
    Covid Care

    Covid Care

    Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

    See Details

    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 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

    • 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 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.

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    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


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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 timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    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.

    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 hospitalization request related to my mother's operation. You were really helpful throughout.

    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 holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow 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 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


    30 Lakh + Claims Settled^^


    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    FAQs on Diabetes Insurance


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    Most Frequently Asked Questions

    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 21,100+ 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 till 31st Dec 2022

    **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!

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