Save tax up to ₹75,000~ u/s 80D
Care Freedom: Health Insurance for Pre-existing Diseases
Save Upto 10% on Health Insurance Premium~~- Reduced waiting period for PEDs
- Automatic Recharge
- Consumable Allowance
- Companion Benefit
Insured 7,00,00,000+ lives
Health history shouldn’t restrict your coverage!
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Cover Highlights
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Product Benefits
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Plan Highlights
- Coverage for pre-existing diseases has been reduced from 36 months to 24 months.
- Specially designed for individuals with pre-existing conditions such as diabetes, hypertension, and high BMI.
- The base sum insured is automatically recharged if your claim amount exceeds it.
- An annual health checkup can be availed by all adult members insured in the policy.
- Lifelong Renewability with access to cashless treatment across a wide network of hospitals.
Plan Details
- Policy Terms
- Exclusions
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- Cashless
- Reimbursement
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FAQs on Diabetes Insurance
Q. What is Care Freedom, and how does it help diabetic, hypertensive, 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 a co-payment under the Care Freedom policy?
Yes. As per standard policy terms, customers with pre-existing ailments are required to bear 20% or 30% of the admissible claim amount, while the remaining amount is covered up to the sum insured.
Q. Is a medical test required before buying Care Freedom?
No. Care Freedom does not require any pre-policy medical tests, making it easier for eligible individuals with pre-existing health conditions to get insured.
Q. What happens if my sum insured gets exhausted during the policy year?
If your sum insured is exhausted due to multiple hospitalisations, you can avail an automatic recharge benefit of up to 100% of the base sum insured once during the policy year, as per the policy terms and conditions
Secure Your Finances Now!
Get the best financial security with Care Health Insurance!
Reach out to us at
Sales:1800-102-4499
Services:
8860402452
Live Chat
Care Freedom: UIN - RHIHLIP21519V022021
Disclaimer: Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
^The premium is calculated for an insured individual (18) who opts for a sum insured of 5 lakh in a zone 3 city with add-ons that impact the premium reduction.
**Number of Claims Settled as of Dec 2025
~~Claim Settlement Ratio for the period April 2025 to Dec 2025
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Get freedom from hefty medical bills!
Lower the financial burden of treating pre-existing illnesses with a comprehensive health plan starting at ₹15 per day.^
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