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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.
Reasons to Choose Care Health Insurance?
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.
While lowering the expensive hospitalisation costs of treating pre-existing diseases, the Care Freedom health cover comes with the following unique and valuable features:
Cover Highlights
Annual health
check-up
Pre & Post hospitalization
Expenses
Day care treatments
AMBULANCE COVER
Dialysis cover
Domiciliary
hospitalization
No sub-limit on
Surgeon's fees,
cost of blood, oxygen etc.
Recharge of
Sum Insured
| KEY FEATURES | ₹3L | ₹5L | ₹7L / 10L |
|---|---|---|---|
| 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
|
|||
| 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.
|
|||
| 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 |
| Sub-limits | |||
| 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
info
|
Upto ₹ 50,000 | Upto ₹65,000 | Upto ₹ 80,000 |
| Treatment for Ailment like Surgery for Cancer, bone breakage etc
info
Covers expenses incured on
|
Upto ₹2,00,000 | Upto ₹2,50,000 | Upto ₹ 3,00,000 |
Home Care
Health Check+
Care Shield
Care OPD
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
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.
Best Health Insurance
Company of the Year*
38 Lakh + Claims Settled**
22900+
CASHLESS HEALTHCARE PROVIDERS^^
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.
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.
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.
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.
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.
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
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