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Health Insurance
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Religare Health Insurance
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Care Freedom Plan
Care Health Insurance (formerly Religare) logo
Care Health Insurance (formerly Religare)

Care Freedom

Highlights

Recharge benefit - 100%
No pre-policy medical check
Companion Benefit
Consumable Allowance
Dialysis Cover
Coverage available upto 10 Lakh
Total cashless network hospitals 7988
95.47% Claim Settlement Ratio
Recharge benefit - 100%
No pre-policy medical check
Companion Benefit
Consumable Allowance
Dialysis Cover
Coverage available upto 10 Lakh
Total cashless network hospitals 7988
95.47% Claim Settlement Ratio
family premium calculation
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Overview

Care Health Insurance Policy is an indemnity based policy that covers you and your family against major healthcare expenses. Indemnity based health insurance policies are those policies that provide reimbursement for the amount spent on the entire medical treatment. This new age comprehensive health insurance policy is available in wide sum insured options. As per these options the sum insured ranges between Rs. 3 lakh & Rs. 75 lakh to cover all your healthcare expenses. The policy is available in different variants, varying in coverage benefits. The minimum entry age under the policy is 5 years (on individual basis, and 91 days on floater basis when at least 1 insured person is aged at least 18 years). Under floater plan, you can cover any member of your immediate family including self, spouse, parents, children, etc. The policy can be purchased for 1 year, 2 years, or 3 years. The policy comes with an initial waiting period of 30 days for any illness except for any injury, and a waiting period of 4 years for pre-existing diseases. A good news is that you have an option to change your sum insured upon renewal. Some coverage benefits under the policy include maternity cover, pre-hospitalisation and post-hospitalisation expenses, in-patient hospitalisation expenses, ambulance cover, etc. Read below to understand more in detail about the benefits of this plan. Less

Care Health Insurance Policy is an indemnity based policy that covers you and your family against major healthcare expenses. Indemnity based health insurance policies are those policies that provide reimbursement for the amount spent on the entire medical treatment. This new age comprehensive health insurance policy is available in wide sum insured options. As per these options the sum insured ranges between Rs. 3 lakh & Rs. 75 lakh to … More

Features of Care Freedom

Key features to look for while selecting your health insurance plan
Sum Assured:
20%

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
Twin Sharing

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
2 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease
Available

Health checkup

Health checkup
This plan offers a free health checkup (specific test package), every year.
20%

Copay

Copay
Copay is the percentage of the claim amount that is borne by an insured person.
Single Private Room

Room Rent

Room Rent
Room rent limit is the maximum amount of per day room charges that you can claim in case you get admitted to a hospital.
2 years

PED Waiting period

PED Waiting period
The amount of time you need to wait for, from the start of your policy, to be able to use the benefits in case of a particular disease
Available

Health checkup

Health checkup
This plan offers a free health checkup (specific test package), every year.

What is covered?

Sum Assured:
Pre hospitalization
30 days

Pre hospitalization

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What is Pre hospitalization
Pre (for diagnosis, tests etc.) and post hospitalization (recovery period) expenses up to Rs 22,500 will be covered in this plan. Expenses incurred 30 days pre and 30 days post hospitalization will be covered in this plan
Post Hospitalization
30 days

Post Hospitalization

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What is Post Hospitalization
Pre (for diagnosis, tests etc.) and post hospitalization (recovery period) expenses up to Rs 22,500 will be covered in this plan. Expenses incurred 30 days pre and 30 days post hospitalization will be covered in this plan
Health checkup
Available

Health checkup

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What is Health checkup
This plan offers a free health checkup (specific test package), every year.
Hospital Daily Cash
Rs 750

Hospital Daily Cash

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What is Hospital Daily Cash
For longer duration hospitalization, this plan provides a fixed amount per day for small expenses. Total limit for such expenses is Rs. 750
Restore benefits
Up to 100.0% of sum assured

Restore benefits

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What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim Rs. 1,000 per hospitalization up to a maximum of Rs. 1,000 for ambulance charges.
Home hospitalization
Covered

Home hospitalization

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What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 30,000 are covered in this plan.
Day Care
170 procedures upto S.I.

Day Care

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What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. This plan covers listed day care procedures as mentioned in the policy wordings.
Pre hospitalization
30 days

Pre hospitalization

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What is Pre hospitalization
Pre (for diagnosis, tests etc.) and post hospitalization (recovery period) expenses up to Rs 70,000 will be covered in this plan. Expenses incurred 30 days pre and 30 days post hospitalization will be covered in this plan
Post Hospitalization
30 days

Post Hospitalization

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What is Post Hospitalization
Pre (for diagnosis, tests etc.) and post hospitalization (recovery period) expenses up to Rs 70,000 will be covered in this plan. Expenses incurred 30 days pre and 30 days post hospitalization will be covered in this plan
Health checkup
Available

Health checkup

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What is Health checkup
This plan offers a free health checkup (specific test package), every year.
Hospital Daily Cash
Rs 1,000

Hospital Daily Cash

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What is Hospital Daily Cash
For longer duration hospitalization, this plan provides a fixed amount per day for small expenses. Total limit for such expenses is Rs. 1,000
Restore benefits
Up to 100.0% of sum assured

Restore benefits

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What is Restore benefits
This plan reinstates your basic cover, in case you exhaust your cover in a policy year. Restoration works only for unrelated claims.
Ambulance charges
Covered

Ambulance charges

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What is Ambulance charges
You can claim Rs. 1,000 per hospitalization up to a maximum of Rs. 1,000 for ambulance charges.
Home hospitalization
Covered

Home hospitalization

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What is Home hospitalization
Treatment taken at home for any medical reason, if hospitalization is not possible. This is a rare scenario and is termed as 'Domiciliary Hospitalization'. In such a scenario, expenses of up to Rs 70,000 are covered in this plan.
Day Care
170 procedures upto S.I.

Day Care

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close icon
What is Day Care
Health insurance covers medical expenses only for hospitalizations exceeding 24 hours. Day care procedures refers to medical treatment undertaken in a hospital requiring less than 24 hours due to technological advancement. This plan covers listed day care procedures as mentioned in the policy wordings.
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What’s not covered

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Maternity
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Renewal Bonus
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AYUSH Cover
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OPD
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Organ Donor
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War related Injuries
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Cosmetic Surgery
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Lasik eye treatment
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Damage while driving under the influence of liquor or drugs
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Cashless network hospitals

You don’t have to pay a penny to get your treatment done in the network hospitals of Care Health Insurance (formerly Religare).
Search for number of nearby cashless network hospitals in your area.
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7988
Network Hospitals in India
Search cashless hospitals in your area
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6

Eligibility criteria

AGE ELIGIBILITY

18 years
Adult
100 years
Max age bar

POLICY PERIODS

1
year(s)
2
year(s)
3
year(s)

AGE ELIGIBILITY

3 months
99 years
Max age bar

No. of Members Covered

6
Members
Upto 2
Adults
Upto 4
Children

Policy Periods

1 year(s) 2 year(s) 3 year(s)

Waiting period

After
2 years
You can claim for any pre-existing conditions after 2 years of the policy start date.
After
30 days
A 30 days cooling period for all claims except any arising out of accidental injuries

Riders

Below mentioned are riders available for better coverage

Home Care

Covers expenses incurred towards hiring a qualified nurse for providing care to insured person on recommendation of your doctor.

Health Checkup

Upgrade your annual health checkup
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About Care Health Insurance (formerly Religare)

Care Health Insurance mainly offers health insurance services to individual customers, corporate employess & even for financial inclusion. They have a customer first philosophy. The company has always applied the trending technology to provide excellent customer service. They also use trending technology for product innovation & value-for-money services. Through all these efforts, the company aims for a financially secure future for their customers by delivering customized health insurance policies. These policies include Family Floater Plans, Critical Illness Cover, Maternity Cover, Diabetes Cover, Senior Citizens Health Policies & specific types of travel insurance plans. They also provide you with a hassle-free claims procedure. Less

Care Health Insurance mainly offers health insurance services to individual customers, corporate employess & even for financial inclusion. They have a customer first philosophy. The company has always applied the trending technology to provide excellent customer service. They also use trending technology for product innovation & value-for-money services. Through all these efforts, the company aims for a financially secure future for their customers by delivering customized health insurance policies. These … More

Other plans of Care Health Insurance (formerly Religare)

Care Senior

Care Health Insurance provides the Care Senior Health Insurance Policy …
View Details

Care Advantage

Care Advantage policy by Care Health insurance is a comprehensive …
View Details

Care Heart

The Care Heart Plan by Care Health Insurance is an …
View Details

Care - No Claim Bonus Super

Care Plan provided by Care Health Insurance is a comprehensive …
View Details

Care

Care plan provided by Care Health Insurance is a comprehensive …
View Details

Enhance

Care Enhance is a super top-up plan that offers you …
View Details
family premium calculation
Want Expert Advice?
Talk to our Insurance experts to choose the right plan as per your medical needs.
I hereby authorize Coverfox to communicate with me on the more
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. less
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Types of Health Insurance

Health Insurance
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Mediclaim Policy
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Health Insurance for Senior Citizens
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Health Insurance for Parents
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Maternity Insurance
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Critical Illness Insurance
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Want Expert Advice?
Talk to our Insurance experts to choose the right plan as per your medical needs.
I hereby authorize Coverfox to communicate with me on the given number for my Insurance needs. I am aware that this authorization will override my registry under NDNC. Less
I hereby authorize Coverfox to communicate with me on the More
Thank you for scheduling a call with us! One of our Health Insurance experts will call you shortly.
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