Care Health Freedom Health Insurance Plan

4.5

Paybima Rating

If you have ever purchased a health insurance plan, you may have noticed that there are certain exclusions and prerequisites for pre-existing disease coverage that make it challenging to find a reliable plan. Enter the Care Health Freedom plan, specifically designed to help adults and seniors suffering from pre-existing conditions.

Care Health Insurance Company has established its reputation by offering a diverse range of health plans tailored to the needs of every individual, and the Care Health Freedom plan is a testament to this.

Let’s understand how the plan carefully addresses every concern that you have related to pre-existing disease coverage.

Highlights of Care Health Freedom

Comprehensive coverage for pre-existing diseases.

Some insurance up to ₹10 lakhs.

No pre-policy health check-ups required.

Long list of pre-existing diseases for coverage.

Get all your insurance related queries answered

Care Health Freedom: Highlights

Here’s a detailed insight into the plan highlights for a better understanding:

Particulars	Details
Plan Name	Care Health Freedom
Insurance Company	Care Health Insurance
Policy Type	Available Options: Individual Family Floater
Sum Insured Options	Available Options: 3 Lakhs 5 Lakhs 7 Lakhs 10 Lakhs
Add-Ons	Available Options: Care Shield OPD Coverage Deductible Health Checkup+ Home Care
Waiting Period	Initial Waiting Period: 30 Days Named Ailment Waiting Period: 24 months Pre-Existing Diseases Waiting Period: 24 months
Network Hospitals	21700+
Claim Settlement Ratio	92.77% (as released by IRDA in 2025)

Wish to Enhance Coverage? Take a Look at the Riders Available

Enhancing coverage has become simpler through riders available under the plan that you can add to your existing policy. Take a look at some of the riders available under Care Health Freedom:

Riders	Details
Care Shield	Under this rider, the insured can enjoy coverage for multiple benefits that are not covered under the base coverage. The rider offers coverage for expenses incurred on 68 non-payable items during hospitalisation.
OPD Coverage	This rider is available for every insured and offers coverage for: Getting assistance from one general physician to 14 specialists. Access to 4 physical consultations in one policy year.
Deductible	Under this rider, the policyholder can save significantly on premiums. Here’s how Choose a higher deductible in exchange for a reduced premium. Enjoy several discounts on the premium.
Health Checkup+	Under this rider, the insured can get additional health checkup benefits. Primarily for cardiac and diabetes check-ups.
Home Care	Under this rider, the insured can receive benefits, such as a daily payment of ₹1000 to hire a qualified nurse, provided that this is recommended by a doctor. Note: The first 24 hours of hospitalisation are not covered under this.

Features and Benefits of the Care Health Freedom

Care Health Freedom is a reliable health insurance plan that allows individuals to build comprehensive coverage for various medical needs, including those related to pre-existing conditions. Let’s take a look at some of the features and benefits of the plant that make it a reliable option to invest in:

Comprehensive Coverage

This health insurance plan is designed to provide coverage to every individual, regardless of their current health status. The plan has a wide range of coverage for comprehensive protection. From hospitalisation expenses to ambulance cover, consumable allowance, recharge of sum insured, and health check-ups, the policy offers everything you're looking for in a robust health insurance plan.

Flexible Policy Features

When it comes to choosing a health insurance plan, you must already know that one size doesn’t fit all. This policy is designed with the same approach, and hence it offers flexible features. Here’s how

The sum insured offered starts from ₹3 lakhs and goes up to ₹10 lakhs.
There are both individual and family floater plans to choose from.

Multiple Optional Benefits

The Care Health Freedom plan has a wide and comprehensive base coverage for every insured individual. However, since the medical requirements of every individual vary, the plan also offers multiple optional benefits to enhance the protection. For instance, the Care Shield offers protection against multiple risks that are not covered by the basic insurance. Similarly, Home Care, Health Checkup+ and a lot more riders are available to enhance the protection under the plan.

Quick Claim Settlement

The primary purpose of purchasing a health insurance plan is to ensure a comfortable experience while the insured is suffering from a disease, injury, treatment etc. This is why a plan that promises seamless claim settlement becomes a necessity. Care Health Insurance Company has a claim settlement ratio of 92.77%, ensuring that the likelihood of your claim being settled is high.

Network Hospitals for Seamless Claim Settlement

Every health insurance company has tie-ups with multiple hospitals, where the insured can obtain easy cashless settlements, hassle-free appointments, and several other benefits. This is why a plan like Care Health Freedom is worth the premium you pay. Care Health Insurance has over 21700 network hospitals where you can make cashless claims.

Care Health Freedom: Eligibility Criteria

To purchase the Care Health Freedom policy, you need to meet the following eligibility criteria:

The minimum entry age under the Care Health Freedom Plan 1 is 18 years for an adult and 90 days for a child.

The minimum entry age for the Care Health Freedom Plan 2 is:

If it’s an individual plan, then 46 years
If it’s a family floater plan, then the eldest insured person must not be more than 46 years of age.

The maximum entry age for a child is 24 years, and there is no limit for adults.

The policy proposer's age must be 18 years or older.

Care Health Freedom: What is Covered?

The Care Health Freedom plan has a long list of coverages, including:

Pre- and Post-Hospitalisation

From examination and tests to medication and recovery, sometimes hospitalisation starts before the actual date and ends a few days after the release. The plan offers coverage for such pre- and post-hospitalisation expenses.

In-Patient Cover

The policy offers coverage if the insured has been admitted to a hospital for inpatient care for more than 24 hours. Under this coverage, the following services are promised:

Room charges
Nursing expenses
Intensive care unit charges
Doctor’s fee
Expenses incurred on blood, oxygen, operation theatre charges, anaesthesia, etc.

Day Care Treatment

Under this, the policy promises to cover the expenses incurred on daycare treatment that requires hospitalisation for less than 24 hours. The policy has more than 170 listed daycare treatments.

Ambulance Cover

The insured can be reimbursed for expenses incurred when using an ambulance service offered by an authorised hospital or ambulance service provider.

Domiciliary Hospitalisation

Expenses incurred on domiciliary hospitalisation are also covered under the plan. Remember that domiciliary hospitalisation must involve medical treatment for at least three consecutive days and must be authorised by a medical practitioner.

Consumable Allowance

The expenses incurred on consumables or non-medical expenses like transportation, the attendant’s cost and several other miscellaneous daily expenses are also covered. Remember that the policy promises consumable allowance for a maximum of seven days per hospitalisation and is covered after three days of hospitalisation.

Health Checkups

Under the policy, the insured can receive health check-ups regardless of their claim record. Some of the checkups under the policy include:

Urine routine
Blood group
Fasting blood sugar
Lipid profile
Complete blood count with ESR
Kidney function test
ECG.

Care Health Freedom: What is Not Covered?

Before purchasing a health insurance plan, it is essential to understand the exclusions.
Here’s what is not covered under the Care Health Freedom plan:

Pre-existing ailment/Injury

Any pre-existing ailment or injury that has not been covered for up to 24 consecutive months starting from the date of policy issuance is not covered.

Self-Inflicted Injury

Expenses incurred on treating any self-inflicted injury, attempted suicide or suicide are not covered.

Congenital Diseases

Congenital diseases are those diseases that a person is born with, and the policy does not offer coverage for such diseases.

Specific Illness and Injuries

Expenses incurred on treating any illness or injury arising due to the consumption of alcohol or drugs are not covered.

Sterility and Infertility Treatments

The policy does not offer coverage for testing or treatments related to sterility and infertility.

Specific Expenses

Expenses incurred for ear and eye examinations, artificial teeth, dentures, or similar checkups/treatments that require external appliances are not covered.

Our verdict

Managing medical expenses in today’s time can be tough, given the medical inflation in the country. This is where choosing a plan like Care Health Freedom comes into play, which offers comprehensive base coverage, protection against expenses incurred for treating pre-existing diseases, riders, and more. Once you have purchased the plan, you not only enjoy certain financial freedom from medical bills but also reduced anxiety.<br><br>If you haven’t already purchased the plan, head straight to Paybima for a seamless experience.

Speak to an Advisor

Claims Experience

Claims Experience Rating 4.4

% of claims settled in less than 30 days
Reflects on the speed of settling valid claims

98.61%

% of Complaints received on overall claims
% customers unhappy with claims experience

0.24%

Claims Incurred Ratio

72.71%

Claim Settlement Ratio (No. of claims)
What % of the claims received were paid?

90.24%

No. of Cashless Hospitals

11,000+

Hand-hold by our expert advisor till making the right choice

Talk to an Advisor

70% of customers choose our advisor support for better coverage clarity.

Paybima Trusted by Millions of Customers

4.5

40+ Insurers

Wide range of trusted providers

560+ Advisors

Expert guidance at every step

Ask Anything as We Have Answers to Everything in Insurance

Being a savings cum life insurance plan, the iSelect Guaranteed Future Policy offers 5 different variants to choose from, such as iAchieve, Flexi iAchieve, iAssure, Flexi iAssure, and Easy iAchieve. Be it any plan you choose, you would get life cover together with guaranteed maturity benefit and/or survival benefit.

It is a voluntary cover that is in-built. As per the Payor Premium cover, if the insured dies, all the premiums to be paid in the future would be waived off, while the policy would still stay active.

Guaranteed maturity is the benefit that is offered as the assured lump sum pay that is offered at maturity. The money that is offered as guaranteed maturity to the policyholder or beneficiaries is fixed at the time of policy purchase.

The payout is given as a lump sum or monthly pay. You can also opt for part lump sum and part monthly pay income under the plan.

You can buy the plan online via the official website of the insurer or via any partner website.

Yes, you can revive the iSelect Guaranteed Future Plan within 5 years of the date of last unpaid premium, as per the specified terms of the policy.

Yes, since smokers are at a higher risk of health issues, their premiums may also be higher than those of non-smokers.

Yes, the policy is a family health insurance plan. So, you can also get your parents covered under it.

Health insurance has become a necessity in today's times. It's no longer a luxury. A single hospitalisation can wipe out a major chunk of your savings or may even force you to compromise on quality health services.

The iProtect Smart comes with flexibility in choosing your premium payment. It can be done in a single premium, for a limited period, or throughout the policy term as per your income and evolving needs.

There are four payout options that are available with iProtect Smart. For instance, there is income option where nominee gets a monthly income for a set period; with lump sum income, the nominee gets lump sum + regular income for a set period; the lump sum, the nominee gets a lump sum amount; and with increasing income, the nominee gets an increasing income that increases every 10 years.

Yes, ICICI Prudential iPru Signature is a dual-purpose plan. It's a ULIP, or Unit-Linked Insurance Plan, that combines the features of life cover and investment components.

Partial withdrawals under the iPru Signature are free of cost and can be withdrawn unlimited times. However, the total amount should not exceed 20% of the fund value.

Yes, as per the value added covers, you can earn up to 20% rewards of the base premium. This can happen if you complete the Healthy Life Management Program.

ManipalCigna Sarvah Pratham offers discounts from the network provider on pharmacy, supplements, etc. Other discounts include:

5% discount on your first policy renewal
2.5% discount if the policy renewal is done 30 days before the policy expiry date
7.5% discount on a 2-year policy and 10% on a 3-year policy
10% discount on the premium if two members are covered under the same policy.

Disclaimer

10% Cumulative Bonus (CB) will be applied on the Base Sum Insured for each claim free Year, which can go up to a maximum of 100% of the Base Sum Insured.
# Expenses related to the treatment of a pre-existing disease (PED) and its direct complications shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with the insurer.

(For Detailed Information Refer to the Policy Wording)