Product Overview
Care Care Freedom Health Insurance Plan is which offers comprehensive health insurance coverage with host of benefits like - Auto Recharge of the sum insured if exhausted, Treatment anywhere in the world, every year health check-ups, etc.
Unique Features of Care Care Freedom Health Insurance Plan
- Auto Recharge of Sum Insured
- Every year health check ups
- Pre-existing covered after 2 years
- No pre-policy medical check-up, for all ages and Sum Insured
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Critical features of Care Care Freedom Health Insurance Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
- For the sum insured of Rs 3,00,000 Room rent limit Twin sharing room or maximum 1% of the sum insured and ICU up to 2% of the sum insured.
- For the sum insured of Rs 5,00,000 Room rent limit Twin sharing room and ICU no limit.
- Co-Pay:
Specific % of admissible claim amount to be borne by Insured
- 20% for entry up to 70 yrs
- 30% for entry above 70 yrs
- No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
This plan does not have no claim bonus benefits.
- Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
This plans has a waiting period of 2 years is case of a pre-existing diseases
Eligibility Criteria
- Minimum Age of Entry:- Adult – 18 years / Child – 90 days
- Maximum age of Entry:- Adult – No upper limit /Child – 24 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- 3 lakhs, 5 Lakhs
- Policy Tenure:- 1, 2 & 3 years
- Family Definition:- Yourself or spouse, parents and children
- Premium Calculated on Basis of:- Age, (i.e. sum Insured Choosen)
Add-ons
- Good Health + (optional Cover):
Benefits like - 8 Cosultations are provides at the Network Hospitals for Regular Doctor Consultations. Discounts at the Pharamacies at the network hospital and wellness centers.
- Home Care + (optional Cover):
Expenses incurred for hiring a qualified nurse with the purpose of providing care and convenience to the insured person to perform daily activities as recommended by a Medical practitioner, subject to a max upto 7 days arising from any one illness.
- Health Check up + (optional Cover):
Option to upgrade the Annual Health Check-up to either diabetes health checkup or Cardiac Health Checkup.
Additional Discounts
- Family Discount - 5% discount up to 3 members and 4 member and above 10 % discount(One person of the same family are covered in the same policy Individually)
- Discount for multi-year polices - 7.5% discount for opting 2yr policy tenure and for 3yrs tenure 10%.
Exclusions
- Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
- Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
- 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 and in vitro fertilization.
- War, riot, strike, nuclear weapons induced hospitalization.
- Non Allopathic Treatments
- 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 lenes,dental treatment
- Medical Expenses relating to any hospitalisation primarily and specifically for diagnostic, X-ray or laboratory examinations and investigations
Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
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