General Insurance

Care Freedom

Eligibility Criteria

Minimum Entry Age 46 years
Maximum Entry Age No age bar


Free Health Check Up

A free medical check up is provided by the insurance companies to its policy holders every year.

Dialysis cover

Upto Rs. 1000/- per sitting limited upto 24 consecutive months.


Product Features

Key Features
Sum Insured

Sum Insured is the amount of cover provided by the insurance company.
The plan provides a cover of Rs. 3, 5, 7 and 10 lakhs.
In-patient hospitalization

This covers hospitalization expenses due to an illness or accident.
The plan covers hospital accommodation up to Single private room, charges for stay in Intensive Care Unit, related hospitalization expenses such as surgeon’s fees, nursing, anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs and consumables up to the sum insured.

It covers the medical expenses due to an illness before the insured is hospitalized.
The plan covers pre-hospitalization expenses which is payable upto 7.5% valid till 30 days beyond policy end date.

It covers the medical expenses due to an illness after the insured is discharged from hospitalization.
The plan covers post-hospitalization expenses which is payable up to 7.5% valid till 30 days beyond policy end date.
Health check-up

A free medical check-up is provided by the insurance companies to its policyholders.
This plan provides free health check-up every year.
Room Rent

Room rent specifies the sub-limit on room rent charges you can avail in case of hospitalization.
In the event of hospitalization, the policyholder is entitled to:
3 lakhs 5 lakhs 7/10 lakhs
Twin sharing room subject
to a maximum of 1% of
Sum insured per day.
Twin sharing
Single Private

Other Features

Day Care Treatments

These are treatments that don’t require a 24-hr hospitalization and conducted in a hospital or day-care center.
This plan covers the expenses of day care treatments up to Sum Insured.
Ambulance Cover

In case of an emergency, the ambulance charges are covered by the insurance company.
This plan covers ambulance cover up to Rs. 1000/- per hospitalization.
Domiciliary Hospitalization

If a patient is in a condition that he cannot be moved to the hospital or there is lack of accommodation in the hospital, he is been treated at home and this process is known as domiciliary hospitalization.
The plan covers domiciliary hospitalization up to 10% of Sum Insured covered after 3 days.
Recharge of Sum Insured

Under this feature, the policyholder’s entire sum insured is automatically restored back to him upon exhaustion of the limit of the coverage during the policy period.
If the policyholder’s basic sum insured inclusive of the no-claim bonus is exhausted, he will be automatically provided with 100% of sum insured.
Companion benefit

If the insured person is admitted to the hospital and the period of stay is more than 10 consecutive days, then the company pays a lump sum amount.
If the hospitalization exceeds 10 days, insured person gets,
3 lakhs 5 lakhs 7/10 lakhs
Rs. 10000/- Rs. 15000/- Rs. 15000/-

After a insured member turns a certain age, co-payment is applicable. Co-pay is that part of your claim amount, which you have to bear.
This policy has co payment of:
3 lakhs 5 lakhs 7/10 lakhs
20% / 30%
per claim
20% / 30%
per claim
20% beyond 70 years of age;
increase in co-payment by 10% per claim
(optional through mandatory for first time entrants)


  • Genetic Disorder.
  • Sexually transmitted disease or illness.
  • Artificial Life Maintenance.
  • Mental disorders (including treatments for mental health)
  • Eye Cover
  • Dental Cover
  • Congenital disease
  • Recovery Benefit
  • Any OPD cover



What is the difference between a family floater and critical illness or hospital cash insurance?

The individual or family floater health insurance works on the principle of indemnity. This means that these insurance policies will pay you only what you have spent for medical treatment in hospital. On the other hand, the critical illness or the hospital cash insurance pays you the amount insured, irrespective of the amount spent for medical treatment. These are a benefit based policies.


How would I benefit by buying health insurance at a young age?

Health insurance premium tends to increase with age - more the age, higher the premium.

You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.

In addition, each 'no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.

Lastly, income tax benefit under Section 80 D of the Income Tax Act.


How does the Auto recharge work?

We will automatically recharge the sum insured, in case the sum insured and any no claim bonus accumulated is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharge Sum Insured can be used for future claims and not against an illness/disease (including its complications) for which a claim has already been made in the current policy year.


Does the plan cover pre-existing diseases?

Pre-existing diseases/illness/injury/conditions will be covered post 24 months of continuous cover depending upon the plan opted.

Such waiting period shall reduce if the insured has been covered under a similar policy before opting for this policy, subject however to portability regulations.


How do you decide if a disease is a pre-existing one or not?

At the time of buying a health insurance you need to provide details of the illnesses you have suffered during your lifetime. The insurer refers such cases to their medical panel to differentiate between pre-existing and newly contracted illnesses.