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Home> Health insurance> Care (formerly Religare) Care Freedom

Care Freedom

NO MEDICAL TEST

7 lakhs

of health cover

13,111/year

EMI starts at ₹1,171

12 hospitals near you and 7,800+ across India

See all arrow-right
Top features
  • icon Dialysis cover upto ?1,000 for 2 years
  • icon All costs covered for stay in Private AC Room or lower category. Shared costs for deluxe room stay
  • icon Lowest wait time (2 years) to cover any existing illness

Hospitalization benefits

Hospitalization (24hrs or more)

Covered upto ?7 lakhs

Pre-hospitalization

Covered for up to 30 days before hospitalization (upto ?7 lakhs)

Post-hospitalization

Covers medical costs for 30 days after discharge (upto ?7 lakhs)

Room type / tariff allowed

Private AC Room or lower category

Co-Payment or Cost-Sharing

You share 20% of hospital bills on every claim and 30% after 71 years of age

ICU Charges

No limit on ICU charges, upto ?7 lakhs

Day care treatments

Pays for over 170 expensive same-day surgeries like cataract, chemotherapy (upto ?7 lakhs)

Daily allowance for hospitalization

?1,000 per day upto 7 days, if you stay for atleast 3 days in hospital

Restoration or Refill benefit

You can claim again for an unrelated illness within same year (upto ?7 lakhs)

Home hospitalization

Upto ?70,000 (if treatment period is greater than 3 days)

Ambulance charges

Upto ?1,000 per hospitalization in a year

Organ Donar cover

Non Allopathic (AYUSH) Treatments

Extra benefits

Preventive Health Checkup

Free annual health checkup for all insured members (once every year)

Grace Period

30 days for renewal

Air Ambulance for emergency care

No Claim Bonus (multiplier benefit)

Recovery Allowance

Waiting period & sublimit

  • Accidents

    Covered immediately
  • Hospitalization claims

    Accepted after 30 days
  • Pre-existing waiting period

    2 years
  • Cataract

    upto ?30,000 per eye

    after 2 years
  • Knee Replacement

    upto ?1.2 lakh per knee

    after 2 years
  • Hernia

    upto ?80,000

    after 2 years
  • Hysterectomy (uterus removal)

    upto ?80,000

    after 2 years
  • Prostate Conditions (BPH)

    upto ?80,000

    after 2 years
  • Kidney or bladder stones

    upto ?80,000

    after 2 years
  • Heart Diseases

    upto ?3 lakhs

    after 2 years
  • Cancer

    upto ?3 lakhs

    after 2 years
  • Other Specified treatments

    upto ?3 lakhs

    after 2 years

What is not Covered

  • Treatments within 30 days (except for accidents)
  • Treatments related to HIV/AIDS
  • Expenses related to self-inflicted injury (suicide attempt)
  • Treatments related to use of intoxicants or hallucinogenic substances
  • Treatments related to pregnancy and childbirth, miscarriage, abortion
  • Hospitalization due to war or nuclear, chemical, biological weapons
  • Any OPD Treatment
  • Dental treatment and external aids unless specifically covered in plan
  • Cosmetic surgery, mental disorders, congenital disorders and weight control treatments
  • Refer to the Policy Wording for the complete list of exclusions

Claims process
93.0%

claim settled

13,111
/year

EMI starts at ₹