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Care

Care Freedom: If you have pre-existing conditions like diabetes, high blood pressure, or a high BMI, this might be your only option within the Care stable. However, there is a 2-year waiting period for these conditions and you'll need to share hospital bills.

What We Like

This section highlights the strengths and benefits of Care Freedom plan policy by Care. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

Short waiting period for Pre Existing Diseases

Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...

Good Restoration Benefit

Full Cover Restoration: You will have 100% of the cover restored so that you can use this benefit if you have multiple hospitalizations for different ...

Free Health Checkups every year

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

What Is Okay

This section outlines the satisfactory but not exceptional aspects of Care Freedom plan policy by Care. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Pre & Post hospitalization

Room Restriction (Shared Room Only): Tough luck if you’re thinking about opting for a single private room with a lower cover. The policy only allows y...

Some coverage if you are forced to hospitalize at home

Diagnostic Tests Coverage (7.5% of Hospitalization Expenses): No worries if the doctor has to run a host of diagnostic tests before or after hospitali...

What We Don't Like

This section addresses the limitations and drawbacks of Care Freedom plan policy by Care. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

Has disease wise sub-limits

Coverage Limits for Knee Replacement, Heart Diseases, Cerebrovascular Disorders: Your insurance cover won’t be fully available if you are treated for ...

You will have to pay a portion of the bill

Coverage Limits for Knee Replacement, Heart Diseases, Cerebrovascular Disorders: Your insurance cover won’t be fully available if you are treated for ...

Restrictions on the rooms you can pick and much more

Age-Based Co-Payment: You must pay 20% of the bill every time you're hospitalized if you're under 70. If you're 70 or older, the co-payment increases ...

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

No Cover for Alternative Medicine

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

You will have to pay a portion of the bill

Coverage Limits for Knee Replacement, Heart Diseases, Cerebrovascular Disorders: Your insurance cover won’t be fully available if you are treated for ...

Restrictions on the rooms you can pick and much more

Age-Based Co-Payment: You must pay 20% of the bill every time you're hospitalized if you're under 70. If you're 70 or older, the co-payment increases ...

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

No Cover for Alternative Medicine

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Restrictions on the rooms you can pick and much more

Age-Based Co-Payment: You must pay 20% of the bill every time you're hospitalized if you're under 70. If you're 70 or older, the co-payment increases ...

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

No Cover for Alternative Medicine

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

No Bonus for being healthy and not claiming insurance

Domiciliary Cover (10% of Sum Insured): The insurer will pay up to 10% of the sum insured if you are forced to hospitalize at home due to a medical co...

No Cover for Alternative Medicine

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

No Cover for Alternative Medicine

No Extra Cover for No Claims: Unlike some policies that offer extra cover for going a year without claims, this policy does not provide such benefits.

Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for Care Freedom Plan in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Care Freedom Plan is designed for individuals with lifestyle-related diseases such as diabetes and hypertension, offering specialized coverage.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The plan includes wellness benefits such as health check-ups, nutritional counseling, and access to fitness programs.

Yes, the plan includes coverage for outpatient consultations and diagnostic tests.

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