Care (Formerly Religare) Health Insurance

Care Formerly Religare for Diabetes & Hypertension - Care Freedom

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Care (Formerly Religare) Care Freedom health insurance

It is a complete health insurance plan for patients suffering from High BP, diabetes, or high BMI.
  • Cashless treatment
  • No pre-policy medical check-up
  • Annual health check-up for all insured members
  • Automatic recharge of sum insured
  • Waiting period of 2 years in case of Pre-existing diseases
  • Free look period of 15 days

Care Health Insurance Review

Care Health Insurance
Care Health Insurance sum insured
4 lacs − 600 lacs options available
Incurred Claims Ratio *
55.00%
Care Health Insurance tenure options
1, 2 or 3 years options available
Claims Settlement Ratio **
93.44%
List of network hospitals
7,400+ hospitals
Number of policies issued *
6,91,739
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
1,07,13,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Health Insurance for Diabetes & Hypertension by Care (Formerly Religare) - Care Freedom

  • Highlights
  • Benefit Table
  • Policy terms
  • Exclusions

Best health insurance features for Diabetes & Hypertension

  • Covers in-patient care expenses along with day care treatment
  • Consumable Allowance per day up to 7 consecutive days of hospitalization
  • Pre and post hospitalization medical expenses
  • Coverage for ambulance in case of emergency
  • Domiciliary hospitalization (if in case of hospitalization is not possible)
  • Recharge of sum insured if sum insured gets exhausted due claims
  • Pre-existing disease is covered after 2 years waiting period
  • Policy covers Dialysis
  • Annual Health Check-up

Compare details of Care (Formerly Religare) Care Freedom insurance

Features 3 Lakhs (Plan1) 5 Lakhs (Plan1) 7 Lakhs / 10 Lakhs (Plan2)
In-patient Care Upto Sum Insured Upto Sum Insured Upto Sum Insured
Day Care Treatment(for selected ailments) Upto Sum Insured Upto Sum Insured Upto Sum Insured
Recharge of Sum Insured 100% of original SI upon exhaustion of SI 100% of original SI upon exhaustion of SI 100% of original SI upon exhaustion of SI
Annual Health Check-up Annually Annually Annually
Consumable Allowance(Max. 7 days per Hospitalization covered after 3 days) 750 per day 1,000 per day 1,000 per day
Companion Benefit(If Hospitalization exceeds 10 days) 10,000 15,000 15,000
Pre-hospitalization expenses (valid till 30 days beyond the Policy End Date) Upto 7.5% payable Hospitalization expenses Upto 10% payable Hospitalization expenses Upto 10% of payable Hospitalization expenses
Post-hospitalization expenses (valid till 30 days beyond the Policy End Date) Upto 7.5% payable Hospitalization expenses Upto 10% payable Hospitalization expenses Upto 10% of payable Hospitalization expenses
Ambulance Cover Upto 1,000 per Hospitalization Upto 1,000 per Hospitalization Upto 1,000 per Hospitalization
Domiciliary Hospitalization 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 Upto 1,000 per sitting limited upto 24 consecutive months Upto 1,000 per sitting limited upto 24 consecutive months Upto 1,000 per sitting limited upto 24 consecutive months
Tenure 1 Year/2 Years/3 Years 1 Year/2 Years/3 Years 1 Year/2 Years/3 Years

Care (Formerly Religare) care Freedom health insurance - Policy terms and wordings

  1. Minimum Entry Age
    Care Freedom Pan - 1(3lac/5lac)
    Adult - 18 Years
    Child - 90 Days

    Care Freedom Pan - 2(3lac/5lac/7lac/10lac)
    a)Individual
    46 years

    b)Floater
    Eldest insured person – 46 years
    Other Adult: 18 Years
    Child:90 Days.

  2. Maximum Entry Age
    Individual :Lifelong              Floater : Lifelong Age of proposer 18 years or above,

  3. Cover Type: Floater/Individual(upto 6 members)

  4. Renewal: Lifelong Renewal. The policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDAI

  5. Grace Period: 30 days from the date of expiry

  6. Initial Waiting Period: 30 days from any illness

  7. Waiting Period-Name Ailments: 2 years of continued coverage

  8. Waiting Period-Pre existing Diseases: 2 years of continued coverage

Sub limits

Sum Insured 3 Lakhs 5 Lakhs 7 Lakhs / 10 Lakhs
Room Rent/Room Category Twin Sharing Room subject
to a maximum of 1% of SI per day
Twin Sharing Room Single Private Room
ICU Charges Upto 2% of SI per day No limit No limit
Co-payment* 20% / 30% per claim 20% / 30% per claim 20%
Beyond 70 years of age: increase in co-payment by 10% per claim (optional, though mandatory for first time entrants)
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 each and every Ailment/Procedure mentioned below:-
  • Surgery for treatment of all types of Hernia
  • Hysterectomy
  • Surgeries for Benign Prostate Hypertrophy (BPH)
  • Surgical treatment of stones of renal system
Upto 50,000 Upto 65,000 Upto 80,000
Treatment for each and every Ailment/Procedure mentioned below:-
  • Treatment of Cerebrovascular and Cardiovascular disorders
  • Treatment/Surgeries for Cancer
  • Treatment of other renal complications and disorders
  • Treatment for breakage of bones
Upto 2,00,000 Upto 2,50,000 Upto 3,00,000
*The applicable Co-payment will increase by 10% per claim in the policy year following the insured person (or eldest insured person in the case of a floater cover) attaining age 71. If an insured person (or eldest insured person in the case of a floater cover) attains age 71 years during policy period, additional 10% co-payment will be applicable to the policy at the time of subsequent renewal. However, if the age of the insured person or eldest insured person (in case of floater) at the time of issue of the first policy with the company is 70 years or below, then the insured person has an option to waive the condition for the additional 10% co-payment upon payment of extra premium in this regard.

Care (Formerly Religare) Care Freedom exclusions

  • Any pre-existing ailment/injury not covered upto 24 continuous months from the date of policy issuance
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
  • Any OPD Treatment
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
  • Cost of spectacles/contact lenses, dental treatment expenses that do not require hospitalisation
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • Congenital disease
  • Tests and treatment relating to infertility.
Remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.

Care (Formerly Religare) health insurance FAQ's

There is no upper limit on the number of claims during the policy period. However, the total cumulative claim amount cannot exceed the Policy Sum Insured.

As on date Care (Formerly Religare) Health have settled 4.7 lacs + health claims

The process is as follows:
  • Cashless - For any emergency hospitalisation, the insured should intimate Care (Formerly Religare) Health within 24 hours from the time of hospitalization. For any planned hospitalization, the Insured should seek cashless authorization from us at least 48 hours prior to hospitalization.
  • Reimbursement - In case of a reimbursement claim, the insured pays the hospitalization expenses (which is otherwise claimable under his insurance policy) himself and then claims for a reimbursement of those expenses from Care (Formerly Religare). The Insured should submit all the bills and treatment papers in original to us and intimate regarding the hospitalization as per policy terms & conditions.

Brochure

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Proposal form

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Policy wordings

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    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
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