Care Health Insurance for Diabetes & Hypertension - Care Freedom

Health Insurance for Diabetes & Hypertension by Care- Care Freedom

• Best health insurance features for Diabetes & Hypertension

  • Covers in-patient care expenses along with day care treatment
  • Consumable Allowance per day up to 7 consecutive days of hospitalization
  • Pre and post hospitalization medical expenses
  • Coverage for ambulance in case of emergency
  • Domiciliary hospitalization (if in case of hospitalization is not possible)
  • Recharge of sum insured if sum insured gets exhausted due claims
  • Pre-existing disease is covered after 2 years waiting period
  • Policy covers Dialysis
  • Annual Health Check-up

• Compare details of Care Freedom insurance

  Features	3 Lakhs (Plan1)	5 Lakhs (Plan1)	7 Lakhs / 10 Lakhs (Plan2)
  In-patient Care	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured
  Day Care Treatment(for selected ailments)	Upto Sum Insured	Upto Sum Insured	Upto Sum Insured
  Recharge of Sum Insured	100% of original SI upon exhaustion of SI	100% of original SI upon exhaustion of SI	100% of original SI upon exhaustion of SI
  Annual Health Check-up	Annually	Annually	Annually
  Consumable Allowance(Max. 7 days per Hospitalization covered after 3 days)	750 per day	1,000 per day	1,000 per day
  Companion Benefit(If Hospitalization exceeds 10 days)	10,000	15,000	15,000
  Pre-hospitalization expenses (valid till 30 days beyond the Policy End Date)	Upto 7.5% payable Hospitalization expenses	Upto 10% payable Hospitalization expenses	Upto 10% of payable Hospitalization expenses
  Post-hospitalization expenses (valid till 30 days beyond the Policy End Date)	Upto 7.5% payable Hospitalization expenses	Upto 10% payable Hospitalization expenses	Upto 10% of payable Hospitalization expenses
  Ambulance Cover	Upto 1,000 per Hospitalization	Upto 1,000 per Hospitalization	Upto 1,000 per Hospitalization
  Domiciliary Hospitalization	Upto 10% of Sum Insured covered after 3 days	Upto 10% of Sum Insured covered after 3 days	upto 10% of Sum Insured covered after 3 days
  Dialysis Cover	Upto 1,000 per sitting limited upto 24 consecutive months	Upto 1,000 per sitting limited upto 24 consecutive months	Upto 1,000 per sitting limited upto 24 consecutive months
  Tenure	1 Year/2 Years/3 Years	1 Year/2 Years/3 Years	1 Year/2 Years/3 Years

• Care Freedom health insurance - Policy terms and wordings

  1. Minimum Entry Age
     Care Freedom Pan - 1(3lac/5lac)
     Adult - 18 Years
     Child - 90 Days
     Care Freedom Pan - 2(3lac/5lac/7lac/10lac)
     a)Individual
     46 years
     b)Floater
     Eldest insured person – 46 years
     Other Adult: 18 Years
     Child:90 Days.
     
  2. Maximum Entry Age
     Individual :Lifelong, Child - 24 years, Floater : Lifelong, Age of proposer : 18 years or above
     
  3. Cover Type: Floater/Individual(upto 6 members)
     
  4. Renewal: Lifelong Renewal. The policy can be renewed under the then prevailing Health Insurance Product or its nearest substitute approved by IRDAI
     
  5. Grace Period: 30 days from the date of expiry
     
  6. Initial Waiting Period: 30 days from any illness
     
  7. Waiting Period-Name Ailments: 2 years of continued coverage
     
  8. Waiting Period-Pre existing Diseases: 2 years of continued coverage
     

  Sub limits

  Sum Insured	3 Lakhs	5 Lakhs	7 Lakhs / 10 Lakhs
  Room Rent/Room Category	Twin Sharing Room subject to a maximum of 1% of SI per day	Twin Sharing Room	Single Private Room
  ICU Charges	Upto 2% of SI per day	No limit	No limit
  Co-payment*	20% / 30% per claim	20% / 30% per claim	20% Beyond 70 years of age: increase in co-payment by 10% per claim (optional, though mandatory for first time entrants)
  Treatment of Cataract	Upto 20,000 per eye	Upto 30,000 per eye	Upto 30,000 per eye
  Treatment of Total Knee Replacement	Upto 80,000 per knee	Upto 1,00,000 per knee	Upto 1,20,000 per knee
  Treatment for each and every Ailment/Procedure mentioned below:- Surgery for treatment of all types of Hernia Hysterectomy Surgeries for Benign Prostate Hypertrophy (BPH) Surgical treatment of stones of renal system	Upto 50,000	Upto 65,000	Upto 80,000
  Treatment for each and every Ailment/Procedure mentioned below:- Treatment of Cerebrovascular and Cardiovascular disorders Treatment/Surgeries for Cancer Treatment of other renal complications and disorders Treatment for breakage of bones	Upto 2,00,000	Upto 2,50,000	Upto 3,00,000

  *The applicable Co-payment will increase by 10% per claim in the policy year following the insured person (or eldest insured person in the case of a floater cover) attaining age 71. If an insured person (or eldest insured person in the case of a floater cover) attains age 71 years during policy period, additional 10% co-payment will be applicable to the policy at the time of subsequent renewal. However, if the age of the insured person or eldest insured person (in case of floater) at the time of issue of the first policy with the company is 70 years or below, then the insured person has an option to waive the condition for the additional 10% co-payment upon payment of extra premium in this regard.

• Care Freedom exclusions

  • Any pre-existing ailment/injury not covered upto 24 continuous months from the date of policy issuance
  • Any diseases contracted during first 30 days of the policy start date except those arising out of accidents
  • Any OPD Treatment
  • 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 lenses, dental treatment expenses that do not require hospitalisation
  • 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.

  Remember, there are some treatments such as non-infective arthritis, joint replacement etc., which are covered only after completion of 2 consecutive policy years.