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Care Freedom plan

Care Freedom could be your only choice within the Care stable if you have pre-existing complications like diabetes, blood pressure or a high Body Mass Index. But they'll make you wait 2 years before they start covering these illnesses. And you'll have to split a part of the bill when you are hospitalized. So do read more below.

What's good here?

ped

Short waiting period for Pre Existing Diseases

If you’re already dealing with diabetes, cardiovascular problems or any such illnesses, the insurer will cover all costs arising out of these pre-existing problems after just 2 years. It’s probably the best deal you can get to be honest.

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dayCare

Day Care treatments covered

If you’re hospitalized for less than 24 hours in lieu of a minor procedure, then the insurer will cover these costs too. Think dialysis, chemotherapy or minor surgeries.

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ayush

Covers Alternative Medicine

Think of getting Ayurvedic, Homeopathic or other alternative treatments to cure an illness? Your insurer will cover you fully, up to the sum insured.

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healthCheckup

Free Health Checkups every year

If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer will cover the costs.

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What's bad here?

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warning
Be aware of

Has disease wise sub-limits

Your insurance cover won’t be fully available in case you are treated for Cataract, Knee Replacement, Hernia, Hysterectomy, Benign Prostate Hypertrophy, Renal Stones, Cancer, Cerebrovascular & Cardiovasular disorders and a few other diseases. Meaning the insurance company has a cap on the total amount they’ll pay out if you are treated for these specific illnesses.

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coPay

You will have to pay a portion of the bill

The company will make you pay 20% of the bill every time you’re hospitalized — That is if you’re under the age of 70. If you’re 71 and above, then they’ll make you pay 30% of the bill. So co-payment in mandatory here.

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roomRent

Restrictions on the rooms you can pick and much more

Tough luck if you are thinking about opting for a single private room and a lower cover Because the policy only lets you stay in a shared room for cover of 5 lakhs. If you still want to pick a better room, then be ready to pay a lot more when the final bill shows up. Read more here

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What's okay here?

prePost

Pre & Post hospitalization

No worries if the doctor had to run a host of diagnostic tests before or after hospitalizing you. The insurer has your back. They will cover this amount upto 10% of hospitalization expenses incurred.

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restoration

Some Restoration Benefit

Even after you claim part of the cover on one occasion, you will have 100% of the cover restored, if you are hospitalized one more time in a bid to treat a different complication. In the same year, by the way.

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domiciliary

Some coverage if you are forced to hospitalize at home

The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical condition or the hospital running out of beds. In insurance lingo, they call this a policy with domiciliary cover.

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What's lacking here?

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No Bonus for being healthy and not claiming insurance

Some policies offer you extra cover if you go an entire year without claiming your insurance. This policy, however, offers no such benefit.

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Add-ons

Health Check+

With this add-on, the insurance company upgrades normal health check-up to either diabetes Health Check-up or Cardiac Health Check-up. This add-on is mandatory for insulin-dependent insured members.

Home Care

With this add-on, the insurance company provides coverage Upto Rs.1000/- per Day for Hiring Qualified Nurse at home. It is available for a maximum of 7 Days per hospitalization. But remember, this benefit is available only post-discharge from the hospital and on the Doctor's written advice with valid reason.

Care OPD

With this add-on, each insured member can avail up to 4 in-person consultations with a General Physician and 4 with a Specified Specialist annually on a reimbursement basis, with a maximum reimbursement of ₹500 per visit. This can be claimed once every quarter. Along with this, insured members get unlimited e-consultations from General Physician.

Aggregate Deductible

If you ever have to make a claim, then you’ll be expected to pay a sum before insurance company settles the claim. This amount is called the deductible. So if you want to buy a policy at a better price, you can opt to pay a higher deductible i.e. you can pay lower premiums by offering to pay a sum (a deductible) when a claim comes up.

Frequently Asked Questions

Yes. Care Freedom plan imposes 3 kinds of waiting periods -
  • 30-Day Waiting Period: Hospitalizations won’t be covered for the first 30 days of the policy unless it’s an accident.
  • Specific Illness Waiting Period: There’s a 2-year waiting period for a list of diseases which is a mandate before you can start claiming.
  • Pre-Existing Disease Waiting Period: There's a 2-year waiting period for any pre-existing disease you may have while buying the policy.
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