What is the Care Freedom Policy?

Care Health Insurance offers a specialized health insurance policy called “Care Freedom” for individuals with pre-existing conditions such as diabetes, hypertension and high BMI. With sum insured options up to 10 lakh rupees, the policy covers hospitalization and treatment costs for common lifestyle diseases. Additionally, it provides lifelong renewability and is available for individuals and families.

Patients with high sugar or blood pressure face a greater risk of developing chronic conditions like heart and kidney diseases, eye problems and blood vessel damage. Care Freedom seeks to alleviate the financial and medical burden on these individuals by decreasing the waiting time for coverage of pre-existing conditions to just 2 years. This adjustment guarantees that individuals dealing with long-term ailments can receive prompt and high-quality medical care.

The policy offers old-age patients the opportunity to personalize their Care Freedom health plan by incorporating extra benefits such as home care, health checks and COVID care with OPD. To discover more about the coverage benefits and eligibility criteria for the Care Freedom health plan, keep reading.

Care Freedom Policy Specifications

KEY FEATURES	₹3L	₹5L	₹7L / 10L
In-Patient Hospitalization	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured
Day Care Treatment	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured
Annual Health Check-up	✔	✔	✔
Ambulance Cover	Upto ₹1,000/ Hospitalization	Upto ₹1,000/ Hospitalization	Upto ₹1,000/ Hospitalization
Companion Benefit	₹10,000	₹15,000	₹15,000
Consumable Allowance	₹750 per day	₹1000 per day	₹1000 per day
Domiciliary Hospitalization	Up to 10% of the Sum Insured covered after 3 days	Up to 10% of the Sum Insured covered after 3 days	Up to 10% of the Sum Insured covered after 3 days
Daily Sum Insured Cover	Upto 1,000 per Sum Insured limited	Upto 1,000 per Sum Insured limited	Upto 1,000 per Sum Insured limited
Recharge of Sum Insured	✔	✔	✔
Pre/Post-hospitalization	Upto 7.5% payable Hospitalisation expenses valid till 30 days beyond the policy end date	Upto 10% payable Hospitalisation expenses valid till 30 days beyond the policy end date	Upto 10% payable Hospitalisation 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	Twin Sharing Room subject to a maximum of 1% of Sum Insured per day	Twin Sharing Room	Sum Insured Private Room
ICU Charges	Up to 2% of Sum Insured per day	No limit	No limit
Sub-limits
Treatment of Cataract	Upto ₹20,000 per eye	Upto ₹30,000 per eye	Upto ₹30,000 per eye
Treatment of Total Knee Replacement	Upto ₹80,000 per knee	Upto ₹1,00,000 per knee	Upto ₹1,20,000 per knee
Treatment for Ailments like Surgery for all types of Hernia, BPH, etc.	Upto ₹50,000	Upto ₹65,000	Upto ₹80,000
Treatment for Ailments like Surgery for Cancer, bone fracture, etc.	Upto ₹2,00,000	Upto ₹2,50,000	Upto ₹3,00,000

Coverage Benefits of Care Freedom Policy

The Care Freedom insurance plan offers a variety of unique benefits for its policyholders. These advantages include -

Benefits	Coverage
Cashless Treatment at Top Hospitals	Easily access cashless hospitalisation at more than 8350 hospitals with your Care Health card without any hassle.
Quick and Direct Resolution of Claim	You can receive speedy reimbursement for medical expenses without the requirement for a pre-policy medical check-up, regardless of your age or selected Sum Assured.
Different Policy Term Options are Available	You have the option to select from policy terms of 1 year, 2 years or 3 years, giving you the flexibility to choose the duration that suits your needs and preferences.
Pre-Existing Diseases Waiting Period	Pre-existing diseases are subject to a 24-month waiting period, after which they are covered comprehensively.
Grace Period Without Cost (Look-in Period)	To return the policy, send it back within 15 days of receiving it but the amount will be adjusted for the proportionate risk period and applicable stamp duty charges.
Recharge Sum Insured	The coverage limit for your claim can be exceeded, but do not worry, your sum insured will be recharged without any additional cost. This recharged sum can be used for other members covered by the same policy or for different ailments within the same year.
Yearly Medical Examination	It is important to prioritise an annual health check-up, which includes various tests such as complete blood count, urine routine analysis, fasting blood sugar, lipid profile, kidney function tests and ECG. This check-up is beneficial regardless of your claims history, as it allows for early detection of any potential health issues and helps in maintaining overall well-being.
Permanent Renewability	You can enjoy the plan’s lifetime renewability, which means you will have continuous coverage and peace of mind knowing that your insurance will not expire.
No Taxes to be Paid	Premiums paid for the Care Freedom Health Insurance Plan have the added advantage of being exempt from taxation under Section 80C of the Income Tax Act of 1961. This exemption provides additional financial benefit to policyholders.

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Care Freedom Health Insurance Claim Process

Care Health prioritizes your health and aims to alleviate stress during unexpected medical situations. This guide will simplify the process of filing claims under your insurance plan, whether it is for emergency hospitalization, planned procedures or selecting between cashless and reimbursement options.

Cashless Claims Process

1

Go to the closest network hospital of care health company.

2

Approach the front desk to speak with the TPA, or third-party administrator.

3

TPA will complete and submit your application to Care Health Insurance on your behalf.

4

If everything is authorized, the claim executive will examine the reports and proceed with processing the claim.

5

You can begin receiving therapy at the hospital as soon as you receive approval.

6

Your insurer and the hospital will settle the bill directly after treatment.

Reimbursement Claims Process

1

Notify Care Health Insurance of your hospital stay (within 48 hours in the event of an emergency, and 48 hours in advance if it is planned).

2

Pay your hospital costs in full and turn in all required paperwork.

3

Complete and send in a claim form.

4

Await the insurer's permission and status report.

Keep in mind that you must:

Submit all paperwork with your claim form within 15 days of discharge.
Save all properly signed paperwork for submission to ensure a seamless claim procedure.[3]

Care Senior Health Plan Contact Details

You may contact Care Health Insurance using the below-mentioned information if you have any queries about Care Health Insurance plans:

Connect with us on WhatsApp: +91-8860402452 (Services)
Connect with us on Call: 1800-102-4499 (Sales)
Website: Care Health Insurance

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SBI Health Insurance	Arogya Supreme Policy	Individual & Family Floater	₹2 Lakh - ₹6 Crore	18-65 years	Extensive network hospitals Customizable coverage options Wellness programs	Check Premium
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